Irma Arce Fernandez Email & Phone Number

Mexico City, CDMX, MX

Paseo De LA Reforma Av. 383 Mexico, City

• Responsibilities
• Led, coordinated, and supervised a team to assess credit risk through financial analysis, financial structuring, sensitivity analysis, financial modeling, due diligence, and comprehensive credit analysis for Single and.
• Direct sound credit decisions, apply a risk management philosophy, balance the bank's and the customer's needs, facilitate smooth approvals, and ensure compliance with the risk appetite approved by the Risk Committee.
• Negotiate financial settlements of applications with the leaders of the business units, customers, and internal areas of expertise and propose improvements to them, safeguarding the Bank's interests.
• Manage the Corporate Banking credit portfolio with an approximate value of 50 billion Mexican pesos through quarterly monitoring and follow-up.
• Manage credit risks through macroeconomic analysis, recommend strategic actions, and advise on credit restructuring facing national, international, economic, and statutory implications.

Paseo De LA Reforma 383, Mexico, City

• Responsabilidades:
• Led, guided, and supervised a highly competent credit team to perform credit analysis and financial due diligence for payment sources such as Federal Governments, suppliers, public productive enterprises, Public.
• Work closely with the Credit Executive to conceptualize and refine innovative credit products tailored to changing market demands.
• Oversee the financial structuring of the various loans, ensuring alignment with strategic objectives and risk management protocols.
• Present meticulously prepared proposals to the Executive Credit Committee, articulate compelling business cases, and secure necessary approvals.
• Ensure strict adherence to stringent banking regulations and policies in all credit-related activities.

Mexico City, Mexico

• Responsibilities:
• Led, directed, supervised, and coordinated a team of analysts to prepare credit studies, financial analysis, sensitivity analysis, financial modeling, and qualitative analysis for Corporate, Agribusiness, Corporate.
• Present the opinion of the analysis area, financial analysis, liquidity analysis, and cash flow analysis to the Credit Executive Committee.
• Structure credit applications following the policies and guidelines of the Institution and the needs of the Risk Management Committee (Simple Credit, CCC, Factoring, Credit and Guarantee, Refinancing, Pure Leasing.
• Contribute to the implementation of credit policies and implementation of new products.Achievements.
• Managed the structuring of loans, achieving a 20% reduction in non-performing loans. This initiative resulted in significant savings and strengthened the bank's financial health.

Mexico City, Mexico

• Responsibilities:
• Supervise and evaluate the Credit Risk of Financial Counterparties and treasury Credits (Issuer Credit Risk, Liquidation Credit Risk, and Future Fluctuation Risk), as well as structure and instrument the credits.
• Manage the Business Banking portfolio (portfolio qualification, reserve calculation, collateral valuation)
• Supervise the Control of internal policies and regulatory requirements
• Develop credit policies and implementation of new products.
• Prepare a budget for the acquisition and placement of the Business Banking Area,

Mexico City, Mexico

Mexico City, Mexico

Master Of Business Administration - Mba, Organizational Leadership, Master Degree

Master'S Degree, Banking, Corporate, Finance, And Securities Law

Master'S Degree, Bank And Finance

Diploma´S Leadership, Business Administration And Management, General, Diplomate