Cosimo Saracino Email and Phone Number
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Work experience covering roles in risk information, credit assessment and underwriting in Financial Services, Leasing and Credit Insurance.During my work experiences I gained the professional knowledge of credit management with a focus on several sectors:- Metal- Construction- Machines- Electronic- Transportation & Shippings- Energy - Financial InstitutionsSkills focused on financial statement analysis and commercial information from Credit bureaux. Assessment of clients starting from customer overview, shareholders structure, ultimate and direct parents for corporate' group entities. Main items analysed involves liquidity [liquidity ratios,working capital, cash flow], elasticity, capitalization, repayment capacity [interest coverage ratio, debt service coverage analysis], profitability analysis and credit cycle.Credit bureau check.Responsible for approving new credit risk proposal and monitor existing plafonds; Prepares Credit application including Cash flow forecasts, Balance sheet analysis, Industry outlook;Applies underwriting principles and procedures where the company is considering underwriting new risk or modifying existing plafondsResponsible for setting underwriting strategy for each known company and group.Support Management, performing portfolio reports and adopting Risk Management techniques to identify risks and monitor portfolio exposure.
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Senior Credit AnalystAxa Italia Sep 2024 - PresentMilano, Lombardia, Italia -
Team Leader - Lombardia EstAllianz Trade In Italia Jun 2024 - Sep 2024Milano, Lombardia, ItaliaCoordinating 6 analysts within Lombardia Est Area -
Risk Office - Deputy - Senior Field AnalystAllianz Trade In Italia May 2017 - Sep 2024Milano, ItaliaWithin Credit Assessment department, analysis of buyers of assigned portfolio and Grade attribution.Portfolio monitored through buyer visits and structured call conference.All sectors are covered by the variety of buyers included in the portfolio.Credit Committee for sensitive cases.Large risks reports for top exposure to BU, Regional Director and Top management.Gathering of market information and financial flexibility.Strong combination of negotiations abilities and technical skills required by the profile covered.
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Credit Risk - Machinery And Metal & Construction SectorAtradius Jun 2012 - May 2017Milano, ItaliaRole focused on the credit assessment of companies included in the customers portfolio of Insured companies and the decision of related credit limits applications. This role involves Credit Risk analysis using financial analysis techniques in assessing the credit risk associated to potential new cover and existing plafonds. Managing the portfolio within defined risk parameters. Business units mainly approached are: Metal Sector, Construction, Commercial Vehicle, Real Estate and Machinery.Analysis of new vendor agreement proposed by sales force and credit policy review. Monthly analysis of bad debt portfolio.Rating calculation and manual override.Financial reporting to Regional Director and to European Credit Committees for relevant exposuresMeeting with clients, buyers and brokers in order to keep loss ratios to a minimum and to grant good business relationships.Financial analysis:- solidity and leverage- indebtedness coverage- credit cycle and working capital- cash flow statement- profitabilityMarket Analysis:- Peer analysis- Sector's analysis- Unpaid rate distinguished per sectors -
Credit AnalystVfs Volvo Servizi Finanziari S.P.A. Sep 2010 - May 2012It - 24040 - Zingonia - Boltiere (Bergamo) - ItalyCustomer's focus: Financial statement assessment and company overview analysis for internal rating purposes on Volvo large and small client’s portfolio (Shipping, Transport, Trading, Consumer Goods, Utilities).Business information analysis: Credit Bureau check in order to detect client's payment behaviour and any reported critical.Credit Dossiers: English reports for European Credit Commitee and discussion about the overall situation of the client.Credit assessment about the sale network in order to define the credit limit of the factoring exposure.Rating System implementation. Long list indicators analysis and short list selection. PD calculation and Notches assignation. -
Credit AnalystLeaseplan Mar 2008 - Aug 2010Cernusco Sul Naviglio
Cosimo Saracino Skills
Cosimo Saracino Education Details
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Istituto Tecnico Commerciale Sandro PertiniEconomia Aziendale
Frequently Asked Questions about Cosimo Saracino
What company does Cosimo Saracino work for?
Cosimo Saracino works for Axa Italia
What is Cosimo Saracino's role at the current company?
Cosimo Saracino's current role is Senior credit analyst.
What is Cosimo Saracino's email address?
Cosimo Saracino's email address is sa****@****cali.it
What schools did Cosimo Saracino attend?
Cosimo Saracino attended Università Degli Studi Di Bari, Istituto Tecnico Commerciale Sandro Pertini.
What are some of Cosimo Saracino's interests?
Cosimo Saracino has interest in Photography, Football, Economics Literature.
What skills is Cosimo Saracino known for?
Cosimo Saracino has skills like Credit Management, Risk Management, Investor Relations, Credit Analysis, Business English, Write English, Probabilty Of Default, Altman Algorithm, Rating Systems, Corporate Credit Assessment, Small Business Assessment, Credit Risk Underwriting.
Who are Cosimo Saracino's colleagues?
Cosimo Saracino's colleagues are Erika Capodieci, Agenzia 7700, Stefania Ferrara, Nicola Macchiarolo, Adriano Gaudioso, Elena Pisano, Federica Merlo.
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Cosimo Saracino
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