LINUS VALENCIA

Canyon Country, California 91351

Phone: 213-219-4050
Email: linusvalencia@aol.com

SUMMARY

Excellent financial & analytical skills related to trade finance and commercial
lending. Expertise in analyzing financial statements and credit data to determine
the degree of risk involved in extending credit worthiness. Proven leadership
qualities and excellent communication skills. Over 15 years experience in
trade/finance and factoring industry.

PROFESSIONAL EXPERIENCE

FINANCE ONE, INC., Los Angeles, California 2009 to

present
A commercial finance company specializing in factoring, purchase order and trade
financing, and commercial property loans.

Marketing Consultant/Business Development Officer/Vice President

Responsible for sourcing, analyzing and structuring senior secured financial
programs for growth and restructuring businesses while providing prompt,
professional and reliable business financing solutions. Targeting companies with
financial needs and credit protection over $1 million dollars.

- Developed new commercial relationships with small to mid-sized businesses by

providing financial counseling and expertise to prospects in order to achieve
commercial loan and other lending goals.
- Identified qualified prospects and closed new commercial sales opportunities by
being committed in providing the best possible services and helping its prospect
succeed in their business endeavors in this highly competitive market.
-Underwrite detailed new business proposals to senior management for approval by
analyzing financial stability, comparative financial analysis, credit and
collateral worthiness, and management experience in a prompt and timely basis.

CIT GROUP, INC., Los Angeles, California

2006 to 2009
A bank holding company with more than $60 billion in managed assets that provides
financial products and advisory services to small and middle market businesses.

Client Service Officer/Account Executive/Assistant Vice President

Managed a portfolio of 35 clients with emphasis in resolving credit department,
accounting and operation issues. Liaison between clients and CIT operations for
problem identification and resolution.

Client Service Officer

- Served as day to day operation focal point contact for clients on any credit,
accounting and operation inquiries by providing timely responses and decisions.
- Improved client and customer credit quality by ensuring that credit worthiness
and collection problems are identified and handled promptly to minimize credit
losses.
- Provided excellent client and customer service by retaining all existing clients
during the year.

Account Executive/Assistant Vice President

- Presented to the credit line committee all required updated financial statements
and information and a recommendation for lending clients on a semi-annual basis by
showing in detailed the customers capital, liabilities, asset compositions, sales
and profit performance and made sound analysis on the clients overall financial
status. In addition, ensured proper sign-off has been obtained in accordance with
the credit grading policy.
- Reviewed clients statistical information on a monthly basis by monitoring client
profitability report and took action as necessary to avoid loss in revenue.
- Submitted prospects to new business department and exceeded requirements by $50
million in annual revenue for the department.

BANK SINOPAC, Los Angeles, California 2004

to 2006
A full-service commercial foreign bank with banking services equally emphasized in
corporate and individual sectors.

Credit Manager
Managed a staff of 5 consisting of credit officers, collector, accounting
representative and assistant administrator.

- Played a key role within the department in underwriting and clearing unsecured
credit exposures reaching a high eight figures.
- Monitored financial performances on marginal customers credits in support of
ongoing risk by ensuring all updated financial data are reviewed on a quarterly
basis.
- Worked closely with collector(s) to provide guidance on collection issues with
the assigned customer portfolio.
- Assisted with the retention of existing clients portfolio by providing excellent
client and customer service.
- Proactive in the development of new business by recognizing and referring
prospective new clients.
- Responsible for other aspects of the branch’s operation by effectively cross-
selling the banks products.

HSBC BUSINESS CREDIT(USA) INC., Los Angeles, California 1997-2004

Provides various banking and financial services worldwide.

Senior Credit Specialist/ Assistant Vice President

- Managed and responsible for customer credit portfolio that generated an
annualized volume exceeding $240 million comprised of wholesale and retail
customers including textile/apparel manufacturer and importers.
- Analyzed credit data and financial statements to determine the degree of risk
involved in extending credit or releasing pending and credit holds.
- Prepared reports that include the degree of risk involved in extending credit
and set credit limits and established open account terms of sale for new and
existing accounts.
- Managed receivables through the employment of prompt and thorough collection
procedures.

EDUCATION

B.S., Business Administration

California State University, Los Angeles

SKILLS

Microsoft Word and Excel

Lotus Notes