Jose Miguel Rosal Email & Phone Number

Guatemala

Guatemala

We are raising debt in local banks for CAPEX investments, in Guatemala, El Salvador, Honduras, Nicaragua and Paraguay.

Guatemala

Guatemala, Guatemala

Sales Director for SME’s, entrepreneurship, and Institutions. - Boosting cross sell among bank’s products for business.- Moving towards digital banking for companies.- Leading a team of 20 Relationship Managers.

Guatemala

-Created a financial model for an agro forestry cardamom production. It is a sustainable development project for migratory birds conservancy. The model started with forest and cardamom plantation to processing and export, all up to 29 years, considering two full cardamom production cycles. The model considers NIF 41 for biological assets. The project raised around USD 15 Million in a mix of debt and equity. -Performed company valuation with DCF, multiples, and venture capital methodologies for a regional logistics company; revenues over 73M USD a year. Built relationship with finance and commercial teams to develop growth assumptions and forecast financial statements. -Co-created a business plan for a Swiss company interested in entering liquid packing in the region, starting in Guatemala; Company with over 1.8B in revenues a year. -Market research and acquisition opportunities for hardware stores for an international partner. Initiated conversations with key managers in the industry for the acquisition of their business.

Guatemala Area

- Managed to increase credit lines for the bank, locally and internationally from $7MM to $15MM. Opened a Euro account at a European bank for trading- Increased the client portfolio for foreign exchange transactions, PNL increased 30% from previous years.- Performed repo operations, negotiated daily around $5 - $7 million in local currency.- Actively involved in the negotiation and trading of fixed income bonds, portfolio growth of 75%.- Acted as the certified trader for the bank at the Stock Exchange (BVN, S.A.) in Guatemala City. Responsible for the close and liquidation of investment transactions.- Worked independently as an individual contributor and potentially lead a group of individuals - Performed the renewals and new opportunities to facilitate the processing of all transactions. - Leader in the creation of the local branch CRM.- Managed pipeline deals and client activity to facilitate the monitoring of opportunities and client relationships.- Responsible for all aspects of the relationship including annual reviews, early problem recognition, and remedial management.

Guatemala Area

My main role was to attract clients and increase the portfolio. Our main products were factoring, leasing, and credit lines. - Managed a portfolio and performed risk analysis for factoring and leasing transactions. - Improved my portfolio, mainly in factoring and leasing, achieved a growth of 15%.- Analyzed client financial results, metrics like cash conversion cycle, and trade flows to propose the best solution for the client needs.- Performed financial projections for clients, mainly for working capital, and CAPEX investments. - Made presentations for the credits committee. - Managed, multi-product client relationships as the primary relationship manager- Negotiated pricing structures with clients. - Opened revolving credit lines, back-to-back, and other forms of collateralized credits.- Identify customer needs and recommend solutions to address these needs, such as financing, streamlining of cash management operations, foreign currency solutions, etc.

Guatemala

My role was to support the General Manager in specific projects and activities.- Created a monthly report for the Board of Directors. - Leader in the creation of the Corporate Governance Manual. - Created financial projections for banks and other creditors, such as international lending agencies.- Implemented new projects such as a pricing model, acquisition of new software, and CRM implementation. - Accompanied the General Manager in new business meetings and business presentations.

Universidad Francisco Marroquín

Teachers assistant in courses of Microeconomics, Cost Analysis, Macroeconomics, and Political History.- In the Economics courses I learned deeply about banking, money, central banking, strategy, and human behavior. - In Cost Analysis I developed critical thinking regarding costing and improvements in costs for different companies. -In Political History, I developed a more broad scope of thinking. I worked with Francis Fukuyama's books on political order.I had to cover several times for the main professor, which helped me develop public speaking skills.

Guatemala

I lead the creation of UFM Market Trends (http://trends.ufm.edu/). As the project manager I also worked as an editor for the publications: - I helped in the creation of the website, mainly content and public image. - I created the image and helped to develop the strategy for an online magazine. - I coordinated content with authors, proofreaders, and different stakeholders. - Developed excellent organizational and time management skillsI also worked as an investigations assistant. - Data mining. - Participated in several forums and academic discussions mainly in money, banking, central banking, and business cycles.

Guatemala

Financial modeling for several projects. Valuation using WACC and APV. - Latex plant expansion, double in size. - Sawmill purchase to process rubber trees. - Small hidro-electric power plant (2MW).- Latex rubber band manufacturing plant. Supported the due diligence for the sawmill purchase. - Cost analysis for actual products and new sku. - Financial modeling for the expansion of the saw mill. - Market analysis for wood and lumber markets in Central America and USA.

Master In Business Administration - Mba

MBA Global Perspective; dual specialization: Economics-Finance and Sustainable Development

Master'S Degree, Economics

Master'S Degree, Economics

Bachelor Of Arts (B.A.), Economis And Finance