Ms. Claudia Palmer-Martinez having obtained her BBA in Finance from Stetson University and an MBA from the University of Miami commenced her banking career with PineBank in 1994 as a Credit Analyst. In 1996, having thus far, worked exclusively in credit, Claudia utilized her credit skills in internal audit and compliance with International Finance Bank in Miami, Florida. In 2000, Claudia joined BAC Florida Bank in Coral Gables Florida as a Senior Credit Analyst underwriting C&I as well as Commercial Real Estate loans. In 2012, Claudia was promoted to Risk Analytics Manager, responsible for the Bank’s Allowance for Loan and Lease Losses as well as all credit risk portfolio analysis, country exposure reviews and monitoring. Since then Claudia has developed a successful allowance methodology for a very complex loan book and automated this function with the introduction of MST. Claudia is the main lead with the Bank’s examiners and auditors as well as leads the Bank’s CECL Implementation Team.