Highlights:

Skills:Communication, Risk Analisys, Due Diligence, Accounting, Solid Professional Standards, Stress Management

Credit Risk Officer 01/2023 - current
Hencorp Becstone Capital, LC, Antiguo Cuscatlan, La Libertad El Salvador
Industry: Financial
Moody´s Analysis of Financial Statements (Risks and Mitigating) for recommendation of credits (securitizations, workout portfolio, financing to corporate businesses in LATAM region, financial and risk analysis of Corporate Holdings and its subsidiaries.
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Fixed Asset Coordinator 09/2021 - 01/2023
LaGEO, S.A. DE C.V., Santa Tecla, La Libertad El Salvador
Industry: Renewable Energy
* Plan, coordinate, control and direct the activities necessary to maintain physical control of the fixed assets and stocks owned by LaGeo and Subsidiaries, through the collection of general physical inventories and registration in the available computer systems. * Responsible for designing, implementing, maintaining, documenting, reviewing and continuously improving the company's fixed asset control system. * Ensure compliance with the procedures for registrations, cancellations, transfers and temporary withdrawals of fixed assets owned by LaGeo and Subsidiaries.
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Financial Planning Analyst 01/2019 - 08/2020
LaGEO, S.A. DE C.V., Santa Tecla, La Libertad El Salvador
Industry: Renewable Energy
* Prepare forecast information of the Company´s Financial Plan (5 years) (Costs, Income, CAPEX, Inventory and Projects). * Prepare Balance Sheet with information based on the Rolling Forecast. * Prepare Annual Budget considering our Pre-closing of P&L, as well as Investments in Projects, CAPEX and Inventory, after review and adjustments issued by the Managers and President of the company. * Prepared sensitivity analysis and follow up of stock market issues, analysis of company valuation, evaluation of securitization tranches and analysis of interest rates for intercompany loans.
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Senior Financial Analyst 09/2016 - 12/2018
Comision Ejecutiva Hidroelectrica del Rio Lempa (CEL), San Salvador, San Salvador El Salvador
Industry: Energy
* Preparation for the long-term financial projections and monitoring area budget. * Monitoring most representative accounts receivable from the sale of energy. * Review of non-fuel variable cost indexation calculations (CVNC). * Elaboration of exchange rate risk sensitivity analysis (USD-JPY). * Drafting notes to the Financial Statements with special emphasis on Balance Sheet.
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Relationship Manager Corporate Banking 11/2011 - 04/2012
HSBC, San Salvador, San Salvador El Salvador
Industry: Banking
* Prepare qualitative and quantitative reports, as well as credit and financial analyzes for the approval of the Risk area and the respective committees. * Client portfolio management with net sales over $ 20 million and negotiation of new terms and rates for client loans. * Conflict management and negotiation with clients. * Follow up all the covenants established in the contracts.
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Credit Risk Approval Officer for Corporate Banking 06/2009 - 11/2011
HSBC, San Salvador, San Salvador El Salvador
Industry: Banking
* Credit loans firm of approval with accumulated amounts up to USD$3M and maximum growth up to USD$500k. Also I had recommendation signature of loans for companies in global banking, corporate, business and workout with maximum amounts up to USD$15M. * Moodys Analysis of Financial Statements (Risks and Mitigating) for recommendation and / or approval of credits (securitizations, workout portfolio, financing to government institutions. * Control and validation of limits for Global Markets (FX-Forwards & Trade) and balances of Nostro Accounts for Correspondent Banks (Market Risk).
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Factoring Executive 04/2007 - 06/2009
Banco Salvadoreño, San Salvador, San Salvador El Salvador
Industry: Banking
* Prepare qualitative and quantitative reports, as well as credit and financial analysis to factoring and revolving credit lines for the approval of the Risk area and the respective committees. * Negotiations with new and existing customers over interest rates and fees for the financial product of factoring and revolving lines. * Control of customer past due and recovery management.
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Universidad Centroamericana UCA 03/2013 - 10/2015
San Salvador, San Salvador, El Salvador
Degree: Bachelor's Degree
Major:Finance
Minor:Business Administration
Business Administration and Finance