Renato Penafiel Castillo Email & Phone Number

Miami, Florida, Us

Panama, Panama, Pa

As part of Babson MBA Program academically sponsored team-based project I managed to deliver and give recommendation for a new business model and strategy for their digital products, enabling future presence in LATAM and revenue growth opportunities.Key Achievements:- Analyzed different Business Models, Cost-effective opportunities, and Employee Workforce to develop their new Digital Transformation strategy.- Conducted comprehensive IT Market analysis, research and recommendations to secure innovation hubs for future business growth model that will help expands market share presence in Latam through digital products.- Performed strategic consulting in the field of IT industry in Latam.

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As a Senior Financial Analyst at Banco Santander Chile, I facilitated the business development efforts of the company and help established long-term business relationships to broaden the client base. I assessed profitable opportunities with the Corporate & Investment Banking products departments for revenue growth and evaluated risk reduction plans. I also trained and mentored new Risk Financial Analysts on portfolio management and risk analysis.Key Achievements:- Collaborated with Trade Finance & Working Capital Solutions department to helped established a $160m structured working capital solution for Pulp and Paper Company.- Coordinated and supported activities for a $500m structure debt equity increase for leading local bank.- Developed automated data workflow, reducing human error and average human task time from two days to one.

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As a Risk Analyst at Banco Santander Chile, I facilitated the business development efforts of the company and collaborated with Portfolio Management department to develop risk strategies that helped increase market expansion and be in compliance with regulatory authorities. I also designed a Credit Rating Indicator for factoring companies, helping the company compete in this industry.Key Achievements:- Collaborated in business initiatives increasing portfolio earnings by 13% each year during two consecutive years.- Guided a debt renegotiation plan for whole portfolio, reducing expected portfolio 10% annual default to 4%.- Introduced a Risk Alert Tool achieving $5M in debt reduction first 6 months.- Planned and managed a write-off reduction plan, achieving an 8% reduction during first year of implementation.

Professional Internship IIAs a Risk Analyst at Factoring Security, I facilitated the product development and collaborated with the business department to develop strategies for underperformed customer and helped market expansion.Key Achievements:- Instituted detail Industry Reports and Future Forecast for different industries as the norm, improving decision making of board of directors.- Managed to create a database of 300+ potential customers to help growth company revenues.- Collaborated in credit risk analysis and rating for 1,500+ portfolio clients.

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- Managed a portfolio of 400 personal accounts.- Accomplished to grow client portfolio in more than 150 new clients.- Executed financial due diligence and prepared financial analysis for prospective clients.

Master Of Business Administration - Mba, Concentration In Quantitative Finance (Stem)

Certificate, Corporate Finance / Accounting

Bachelor Of Science In Business Administration, Business Administration And Management, General

High School Diploma, Business/Commerce, General