Qualified professional with more than 12 years of experience in Private Financial Institutions, with MBA in Finance, Graduate in Business Administration and MBA in Strategic Management of People;Expertise in business development, problem-solving and customer relationship;Currently as an English language student in Sydney - Australia.Acted for 9 years as Account Manager when conducting credit negotiations, monitoring credit recovery, prospecting and opening accounts, and maintaining customer relationships;Experience in formalization and monitoring of credit operations, management of tools for credit decision and rating assignments;Acting in departments of analysis of credit and risk and recovery of credit in liquidation;Relationship with people in the ease of identifying needs, presentation of situations in a clear and objective manner and problem-solving;Knowledge in various financing instruments for clients through the assignment of credits, in the anticipation of contracts and securitization of receivables;Ability to communicate objectively, with agility in the execution of processes and problem solving, ease of relationship, initiative;Capacity to identify needs and implement demands;English Upper Intermediate.