Gonzalo R. Donoso
Baltimore
Summary
Commercial banking asset-based lending professional with over 28 years of expertise in collateral operations, risk assessment, and relationship management. Strong track record with small to middle-market companies across various industries, contributing to portfolio stability through proactive financial performance analysis and compliance monitoring.
Overview
28
28
years of professional experience
Work History
ABL Portfolio Manager
SLR Healthcare ABL
Philadelphia
07.2023 - Current
- Manage and monitor an assigned RLOC facilities' portfolio (19 borrowers), with the individual facilities under management ranging from $3MM to $16MM.
- Conducted financial performance analysis, credit risk ratings, and monitored quarterly covenant compliance, contributing to risk management and strategic oversight.
- Prepared and presented credit write-ups for loan renewals, amendments, waivers, and quarterly/annual loan reviews, facilitating informed lending decisions.
- Collected financial reporting, including monthly financial statements, quarterly covenant compliance certificates, annual corporate/personal tax returns, and guarantor personal financial statements, ensuring compliance and informed decision-making.
ABL Business Credit Relationship Manager - Vice President
PNC Bank
Philadelphia
01.2023 - 07.2023
- Managed and monitored an assigned client portfolio of ABL loans, including facilities where PNC was an agent or a syndicated participant, focusing on credit risk, loan quality, client retention and cross-selling bank products and services.
- Prepared and presented loan renewals, amendments, and annual reviews, enhancing client relationships and supporting portfolio performance.
- Collected financial reporting, including monthly financial statements, quarterly compliance certificates, annual corporate/personal tax returns, and guarantor personal financial statements, ensuring compliance and informed decision-making.
- Reviewed daily and weekly BBC Loan Status Reports to evaluate Borrower's collateral and borrowing capacity, facilitating proactive risk management.
- Periodic financial performance analysis, credit risk ratings and quarterly covenant compliance monitoring and testing.
- The individual ABL loan facilities under management ranged from $8,000M to $40MM.
Senior Portfolio Manager / Capital Funding, LLC / Bridge, Bridge-HUD, RE Finance, Securitization and Cash Flow Loans
Capital Funding Group
Baltimore
09.2021 - 12.2022
- Managed and monitored bridge loan facilities' portfolio, ensuring compliance and performance across CFG's agency and syndicated participation.
- Conducted financial performance analysis, credit risk ratings, and quarterly covenant compliance monitoring and testing to support informed decision-making.
- Collected and analyzed financial reporting, including monthly statements, quarterly compliance certificates, and annual corporate and personal tax returns.
- Prepared and presented loan renewals, loan amendments and annual loan reviews.
- The individual bridge/term loans facilities under management ranged from $5,000M to $30MM.
- Trained and developed junior portfolio managers.
ABL Senior Portfolio Manager - Vice President / ABL Group
Atlantic Union Bank
Columbia
08.2020 - 09.2021
- Managed and monitored an assigned revolving line of credit facilities' portfolio, including facilities where AUB was an agent or a syndicated participant.
- Conducted periodic financial performance analysis, credit risk ratings, and quarterly covenant compliance monitoring to proactively identify risks and support portfolio stability.
- Collected financial reports, including monthly borrowing base packages, financial statements, quarterly compliance certificates, annual corporate tax returns, and guarantor personal financial statements, ensuring timely and accurate compliance with lending requirements.
- Prepared and presented RLOC renewals, loan amendments, and annual loan reviews to facilitate informed decision-making and strengthen client relationships.
- Prepared pre-screens and credit approval memos on prospective new transactions.
- Managed individual RLOC facilities ranging from $4,000M to $30MM.
ABL Senior Portfolio Manager / Healthcare ABL Group
Capital Finance, LLC / Capital Funding Group
Baltimore
07.2017 - 08.2020
- Managed and monitored an assigned healthcare revolving line of credit facilities' portfolio (Skilled Nursing Facilities), including facilities where CFG was an agent or a syndicated participant.
- Reviewed daily/weekly BBC loan status reports to assess borrower collateral and borrowing capacity.
- Reviewed and approved daily/weekly loan advance requests.
- Collected financial reports, including monthly financial statements and quarterly compliance certificates.
- Periodic financial performance analysis, credit risk ratings and quarterly covenant compliance monitoring and testing.
- Monitored industry and regulatory developments, including federal and state reimbursement rates, to inform portfolio strategies.
- Prepared RLOC renewals and loan amendments, initiated and executed forbearance agreements, and conducted quarterly loan committee credit reviews and presentations.
- The individual RLOC facilities under management ranged from $500M to $18MM.
- Mentored and trained collateral analysts/loan administrators and junior relationship/portfolio managers.
ABL Senior Field Examiner, Associate III - Vice President
PNC Bank
East Brunswick
08.2012 - 06.2017
ABL Senior Collateral Examiner / Consultant
Beacon Hill Consulting LLC
Pompton Lakes
08.2008 - 08.2012
ABL Relationship Manager / Account Executive - Vice President
Wachovia Capital Finance
New York
03.2008 - 05.2008
Senior Collateral Asset Based Lending Examiner / Collateral Asset Based Lending Examiner Manager, AVP
Wells Fargo Business Credit - Asset Based Lending
Boston
06.2000 - 03.2008
Commercial Loan Analyst (US Trust merged with Citizens Bank)
US Trust Bank / Citizens Bank - Asset Based Lending
Medford
02.1998 - 06.2000
Education
Associate Degree - Business Administration / Accounting Field Concentration
Quincy College
Quincy, MA05-1994
Skills
- Credit Analysis
- Loan Management
- Portfolio Analysis
- Financial Modeling
- Risk Assessment
- Risk Mitigation
- Financial Reporting
- Asset Management
- Data Management
- Data Analytics
- Business Intelligence
- Excel
- Underwriting Process
- Client Relationship
Custom Section 1
- Automotive ~ Upholstery / Felt Interiors Manufacturing and Distribution
- Computer ~ Hardware Parts Fabrication and Distribution
- Construction ~ Residential and Commercial Building Materials Distribution
- Electrical ~ Circuit Board Fabrication and Distribution
- E-Commerce ~ Fulfillment Services
- Food ~ Seafood, Fruits / Vegetables and Italian Imported Products Distribution
- Healthcare ~ Skilled Nursing Facilities Lending
- Home Furnishings ~ Furniture Manufacturing and Distribution
- Industrial Products ~ Hole Saws Manufacturing and Distribution
- Insulation ~ Electrical Wiring, Vinyl / Rubber Tapes Manufacturing and Distribution
- Liquor ~ Wine and Spirits Distribution
- Medical ~ Equipment / Supplies Manufacturing and Distribution
- Plastic Injection ~ Lawn Ornaments Manufacturing and Distribution
- Printing ~ Offset and Digital Printing Services
- Professional Services ~ Staffing / Temporary Consulting Services
- Retail ~ Diamond / Jewelry, Lingerie, Casual Shoes and Men’s Apparel Distribution
- Steel ~ Billets, Bars/Solar Panels Fabrication and Fasteners Manufacturing
- Textiles ~ Printed and Stamped Fabrics
- Trucking ~ Logistics Services
Timeline
ABL Portfolio Manager
SLR Healthcare ABL
07.2023 - Current
ABL Business Credit Relationship Manager - Vice President
PNC Bank
01.2023 - 07.2023
Senior Portfolio Manager / Capital Funding, LLC / Bridge, Bridge-HUD, RE Finance, Securitization and Cash Flow Loans
Capital Funding Group
09.2021 - 12.2022
ABL Senior Portfolio Manager - Vice President / ABL Group
Atlantic Union Bank
08.2020 - 09.2021
ABL Senior Portfolio Manager / Healthcare ABL Group
Capital Finance, LLC / Capital Funding Group
07.2017 - 08.2020
ABL Senior Field Examiner, Associate III - Vice President
PNC Bank
08.2012 - 06.2017
ABL Senior Collateral Examiner / Consultant
Beacon Hill Consulting LLC
08.2008 - 08.2012
ABL Relationship Manager / Account Executive - Vice President
Wachovia Capital Finance
03.2008 - 05.2008
Senior Collateral Asset Based Lending Examiner / Collateral Asset Based Lending Examiner Manager, AVP
Wells Fargo Business Credit - Asset Based Lending
06.2000 - 03.2008
Commercial Loan Analyst (US Trust merged with Citizens Bank)
US Trust Bank / Citizens Bank - Asset Based Lending
02.1998 - 06.2000
Associate Degree - Business Administration / Accounting Field Concentration
Quincy College