Marcus T. Delgado

Profile

Senior Credit Analyst with 8 years of experience in commercial and middle-market lending, specializing in leveraged finance and borrower financial statement analysis. Deep expertise in cash flow modeling, covenant monitoring, and credit risk rating systems across manufacturing, healthcare, and real estate sectors. Reduced portfolio default exposure by 18% over two years by redesigning internal risk-tiering criteria and early-warning watchlist protocols.

Work Experience

Senior Credit AnalystMar 2020 - Present

Piedmont Commercial Bank, Charlotte, NC

Underwrote and presented 60+ commercial loan packages annually totaling $420M, maintaining a portfolio charge-off rate 31% below the regional peer average.
Rebuilt the bank's 5-tier credit risk rating model in collaboration with the Chief Credit Officer, cutting misclassification errors by 22% and reducing manual review time by 14 hours per week.
Monitored a $310M middle-market loan portfolio across 48 borrowers, identifying 6 covenant breaches 90+ days before default triggers and initiating workouts that preserved $27M in at-risk principal.

Credit Analyst IIJun 2017 - Feb 2020

Arrowood Capital Partners, Atlanta, GA

Analyzed financial statements, tax returns, and industry benchmarks for 80+ borrower relationships annually, supporting approval of $185M in new credit facilities with a 0.4% first-year delinquency rate.
Built dynamic Excel-based debt service coverage and leverage ratio models used across a 4-analyst team, reducing underwriting turnaround time from 11 days to 7 days on average.
Prepared quarterly portfolio stress-test scenarios under rising-rate and recession assumptions, flagging 9 high-risk credits that were subsequently restructured before market deterioration.

Junior Credit AnalystAug 2015 - May 2017

First Meridian Bank, Raleigh, NC

Supported underwriting of 35 small-business SBA 7(a) loans totaling $22M, compiling credit memos that achieved a 96% approval rate at committee review.
Scored and tracked 120 consumer and small-business credit files monthly using Moody's RiskCalc, maintaining data accuracy at 99.1% across two annual audits.
Assisted in transitioning loan origination workflow to nCino LOS, reducing document exception rates by 17% within the first quarter post-launch.

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