Danilo (Dan) Cardenas Email & Phone Number

Washington Dc-Baltimore Area

• Partnered with Business Banking Relationship Managers to develop sales strategies by using portfolio analytics and industry insights to recommend customized Products/Services for clients and prospects with a sales size between $10MM - $50MM+. • Developed an "Analytics Tool” to identify Top Products/Services by industry, sub-sector, and micro-segment. This tool enabled the market to achieve sales targets. • Supported the Market Executive with the National Not-For-Profit Project and helped Commercial Associates from 8 markets (New York, Chicago, Los Angeles, Houston, Atlanta, Seattle, Tennessee, and Washington DC) determine the Top Solutions per Industry/Sub-Sector. These insights were instrumental in identifying potential sales opportunities within a list of prospects.• Advised RMs to recommend growth and improvement opportunities for their clients through financial analysis.

Washington Dc-Baltimore Area

• Awarded the Financial Center MVP 2021 by the FC Manager and Market Leader.• Built meaningful and effective relationships with clients.• Identified solutions for new and existing clients based on their financial well-being.

Costa Rica

The Management Consulting Project (MCP) is a 9-week consulting project for all MBA candidates at INCAE Business School. The project was developed in Bananera El Esfuerzo (Costa Rica), a banana producing company with annual exports of $US 7 Million. The consultant team proposed a reduction cost plan of 5% in the production process of the banana box.

Bolivia

Company (SME) from South America which imports clothes from the US.• Increased annual sales and equity by 1.5x and 2.0x respectively in 4 years.• Proposed and executed a scaling plan to increase 2 branches in the first 2years, reaching a CAGR in revenue of 26%.• Implemented a cost control system that helped the business end with a netprofit between 17%-20%.• Negotiated new strategies that allowed favorable terms with suppliers inNew York and Los Angeles.• Trained personnel in quality in customer service.

Cochabamba, Bolivia

• In 6 months I succeeded in increasing the SME loan portfolio in 7x.• Proposed and collaborated in the development of a new SME loan product.• Proposed a new customer approach and enhanced communication betweencolleagues which helped me succeed in controlling the branch's mostimportant KPIs (customer service, compliance and loans).• Executed a credit and risk analysis training for my existing team and newhires.• Created a collaboration culture that helped the branch and team of 16people to stand out as the best customer service office in the city.

Cochabamba, Bolivia

• Presented 70+ financial research reports of medium and corporate businesslenders to the Board of Directors.• Prepared & supported colleagues in compliance audits.

Cochabamba, Bolivia

• Performed financial analysis to 50+ corporate lenders.• Specialization in construction, transportation and manufacturing loans.• Performed company and industry research analysis.• Assisted in training and supervision of Credit Analysts.• Monitored the utilization of funds on construction lenders through property valuation reports and Gantt Reports.

Cochabamba, Bolivia

• Analyst with the highest productivity (evaluated 25% of all loans).• Carried out the historical financial analysis, modeling and forecasting forSME banking loans.• Assisted in monitoring utilization of funds for the construction lenders through property valuation reports.

Bolivia

I completed an internship in the credit area for Corporate Banking and Corporate clients. The tasks involved the collection of information, analysis and forecast of Financial Statements.

Master On Business Administration (Mba), Finance & Economics And Marketing

INCAE has the Triple Crown of Accreditation (AACSB, EQUIS and AMBA) and is SACS accredited

Financial Modeling And Valuation Analysis (Fmva)®

Graduate Diploma - Marketing And Sales, Marketing

Master On Corporate Finance, Finance

Graduate Diploma - Comprehensive Management Of Financial Risk, Risk Management

Graduate Diploma - Applied Corporate Finance, Finance

Bachelor'S Degree, Finance, General