Bilingual Senior Credit Analyst and Underwriter with proficiency in analyzing corporate credits and determining the length of solvency of a company. My diverse experience ranges from “mom & pop” businesses to Fortune 10 global companies. My strengths include ratio and cash flow analysis focusing on the company’s earnings, liquidity, asset quality and capital structure. As a motivated and hard-working individual, I have consistently contributed to a quality portfolio. Over the years, I have been recognized for excellent customer service, working well with others, strengthening both internal and external customer relationships, and bringing stability and integrity to the organization. Areas of Expertise: • Financial statement analysis• Ratio analysis• Business and industry risk assessment• Business segment analysis• Peer group comparisons• Trend analysis