Design and implemention of new risk strategies and policies, optimizing credit processes, formulating credit procedure documents amongst others.

Responsible for the performance of the UWs team.

Responsible for performing underwriting analysis of Borrower's character, credit worthiness and financial condition. Supports the lending function by providing analytical supportThoroughly analyzes financial statements, management profiles, business and product cycles, cash flow ability, collateral, agings, etc. of future and existing Customers to identify trends, measure performance, assess financial strength and develop an assessment of credit risk

Co-founder of fixture bath Retail Company. involved in the creation of the company, design of operating and commercial strategy.

Risk Analysis of large companies listed on the MARF ( Mercado Alternativo de Renta Fija), Research industry specific information from internal and extenal sources, which include conversation with clients, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the Internet.

Support the business unit and overall company strategic initiatives relating to the development of new scoring products. Maintenance and actualization of scoring reports.

Determine the probability of a company's clients not paying for the loans provided, and how that might affect the company’s balance. Analysing financial statements, industry trends, and external credit rating reports (D&B, Experian), maintaining, evaluating, developing, implementing and monitoring Credit Risk Analytics. Been a key contact for portfolio management responsibility within High Risk Account Management.Support on the Development and design of risk scorings for small and large business, based on the market trends and present economic environment. Training and advice to new commercial financial advisors

Researching and analysing global merger & acquisition (M&A) transactions, including looking at company fundamentals, transaction valuations and structures and investigating funding information in leveraged buyouts. I was also responsible for running data analysis for various publications and journals as well as providing a monthly report on the Latin American market.

Actively participated in Research by internet, founding corporate information in order to make surveys on the Euro Market. I used my computing skills in excel updating data base, and making weekly reports in power point.

Credit Risk Analysis of SMEs and personal Loans