Carolina Martinez Email and Phone Number

- Conducted credit risk assessments over dealerships and corporate clients by analyzing financial statements, cash flows, and industry trends.- Implemented credit risk models and scoring systems to assess creditworthiness and assign appropriate credit limits.- Monitored and managed credit exposure and counterparty risk through scheduled reviews and ongoing surveillance according GMF policies by collaborating with underwriters, account managers, and risk officers.- Prepared detailed credit risk reports and documentation that include background checks, key risk factors over financial performance and securities review for clients’ proposals.- Recommended actions over identified risks to improve financial conditions of clients to maintain quality credit relationships with obligors.- Collaborated with cross-functional teams to create a variety of tools that contribute to department productivity and analysis accuracy. Successfully integrated reports into dashboards that reduce time consuming in analyst tasks.- Provided guidance and support to junior analysts by conducting training sessions on credit risk analysis techniques and tools.- Proposed solutions for automation improvement in credit risk assessment tools integration and performed test over credit risk software releases to ensure adequate functioning

- Coordinated the transition of several analyst positions from Europe Business Center to Mexico Business Center.- Created organized data structures to streamline access for analytics and reporting to support Order to Cash department operations and corporate management decisions; and conducted management activities for transitions across departments and financial project integration.- Analyzed the data to provide accurate operational and financial metrics by working with IT teams in developing tools and data extracts that respond to business concerns.- Analyzed the reports to identify gaps, trends and opportunities for improvements and automation, including risk measurement in data quality, compliance, and deliverable frequency.- Assessed cross-functional teams needs by taking initiative in research, data validation, design of new reports and data management.- Coordinated the team tasks to ensure report delivery timeliness and promoted sustainable process to build reports by sharing financial knowledge and best practices across team members.

- Provided business financial results and analysis for two global business units by integrating financial data from different ERP’s, operational teams, and countries.- Developed department-level financial forecasts for operating expenses utilizing inputs from departments, project-focused expenditure plans and specific trends related to expenditure to project annual budgeting.- Reviewed financial forecast and analyzed key performance indicators (KPIs) by providing a monthly cost variance analysis to explain business results variances from the approved financial plan. Including an individual analysis of gross margin, headcount, cost roll -ups, marketing campaigns and engineering projects.- Developed new reports to assist other departments as engineering, logistics, marketing, and general management at several manufacturing plants by research and use of data bases.- Collaborated in the integration of financial information according to the M&A global process (Hyperion/Essbase solutions)

- Conducted commercial credit risk assessment over companies in diverse industries as agribusiness, manufacturing, credit unions, wholesalers, franchises businesses, retailers and real estate.- Performed economic and financial research to evaluate financial performance to determine obligor’s credit quality.- Tracked portfolio and industry behavior to achieve credit processes on time according to Citi’s policies and risk appetite. Main tasks included early warnings in movements on the industry, reacting to news, escalating credit concerns to credit risk officers and business managers.- Prepared credit reviews and presented credit proposals to risk committee for open discussions over credit lending decisions.

Responsible for the analysis and structure of a Sales Force Program, designed for a financial product, through BPMN.

Preparation of bank reconciliations and analysis of supplier accounts.

Conduct study and research of strategic management topics for a Museum Management Project.

Review of import records for bill payment transactions to customs agencies.