- Annemarie Musignac is a results-driven commercial lending executive with over 25 years of experience in commercial credit operations, loan closings, portfolio management, and SBA loan programs. - She has worked at several banks in Puerto Rico, most recently as a Relationship & Credit Solutions Manager at Scotiabank where she managed an $18M commercial loan portfolio. - Musignac has a Bachelor's degree in Business Administration and continuing education in areas like commercial credit analysis, risk management, and banking products and services.

1. ANNEMARIE MUSIGNAC
400 Union St. Apt. 313 Casa Maggiore
Guaynabo, PR 00969
(787) 367-1603
musignac@yahoo.com
SUMMARY
• Results driven, forward-thinking, client focused and solutions oriented Commercial Lending Executive
with a solid background in credit analysis and risk management. Proficient in commercial credit
operations, loans closings, credit administration and loan portfolio management. Strong organizational
skills that have resulted in the ability to lead and deliver projects timely and in high pressure
environments. Vast Experience in Small Business Administration Loan Programs. Willing to travel and
relocate.
PROFESSIONAL EXPERIENCE
SCOTIABANK San Juan, PR (2011 to 2015)
Relationship & Credit Solutions Manager
• Managed a commercial loan portfolio of approximately $18MM of Real Estate, Asset Based and SBA
lending among others.
• Develop and implement strategies to maximize business opportunities for prospects and existing clients
to maintain sustainable growth of the Bank’s Commercial portfolio in the Mid-Market segment,
focusing on the cross-sell, up-sell, and retention.
• Perform timely analysis, structuring and presentation of credit proposals within the prescribed segment
and, provide prompt and sound recommendations in the analysis and decisions of credit proposals.
• Ensure the ongoing quality of the assigned credit portfolio through control and administration of the
specific conditions and reporting requirements.
• Provide supervision, guidance and coaching to Client Portfolio Analyst.
DORAL BANK San Juan, PR (2004 to 2011)
Commercial Credit Officer (2007 to 2011)
Government Guaranty Commercial Loan Officer (2004 to 2007)
• Responsible for the credit underwriting of commercial loans, including detailed financial analysis,
collateral coverage, repayment ability, leverage, feasibility and eligibility.
• Originate, package and close SBA loans.
• Provide assistance to Branch Managers and Relationship Officers in the processing and marketing of
SBA loans.
• Portfolio Management of SBA Loan Programs, including the SBA 1502 monthly reports.
• Contribute in the achievement of various SBA Awards, including Top 504 Participant Lender award in
2004 and 2005, and the SBAExpress Lender designation in 2005.
BANCO SANTANDER San Juan, PR (2001 to 2004)
Guaranteed Loans Officer, Small Business Division
• Responsible for the origination, underwriting and closing of SBA loans.
• On-going follow up with SBA Loan Processing Centers.
• Assisted in the On-Site SBA Lender reviews to maintain the PLP & SBAExpress classifications.
• Accountable for the servicing of SBA loans portfolio.

2. • Contribute with processing of the Bank’s first SBAExpress Loans under the SBA E-tran System
resulting in an increase in the SBA Portfolio of 70% in one year.
BANCO POPULAR DE PUERTO RICO San Juan, PR (1997 to 2001)
Supervisor Government Guaranteed Loans/ Business Banking Division
• Managed staff of five Government Guaranteed Loans Officers.
• Underwriting SBA loans in accordance with the SBA’s and Bank’s policies and procedures.
• Supported Branch Managers and Relationship Officers in the marketing and structuring of SBA loans.
• Responsible for the development and implementation of SBA trainings to different management levels,
including Branch Managers and Relationship Officers.
• Bank’s liaison with the Small Business Administration, PR-SBDC, Women's Business Resource
Institute, Certified Development Companies Business Resource Center and other business associations.
• Accountable for the SBA PLP Review: obtained the “Substantially in Compliance” classification.
BANCO SANTANDER San Juan, PR (1993 to 1997)
SBA Credit Analyst – Industry & Commerce Department
• Responsible for the underwriting of SBA Loan Programs.
• On-going follow up to the SBA Loan Processing Centers.
• Review closing documents.
• Compiled statistics, special reports and special projects as requested by the Bank's management.
EDUCATION & PROFESSIONAL DEVELOPMENT
UNIVERSITY OF PHOENIX, Guaynabo, PR
Bachelor of Science in Business Administration (2007)
INTERNATIONAL FINE ARTS COLLEGE, Miami, FL
Associate Degree, Fashion Merchandising (1989)
Continuing professional development: Commercial Credit Analysis; Financial Statements Analysis;
Commercial Sales; Effective Business Writing; Risk Management; Banking Products & Services; Loan &
Closing Documentation; Banking Policies & Regulations; SBA Loan Programs.
SKILLS
• Fully bilingual (English and Spanish)
• Computer literate (Microsoft Office, Loan Management System; RA Spreadsheets, Moody’s Financial
Analyst; TSoft SBA FormMaster+ )