Madrid, Community of Madrid, Spain
I am a motivated recent grad poised to contribute to bank decision-making by developing financial models based on analyses of financial statements and trends and creating reports for leadership. I have a history of conducting cash flow, SWOT, and budget analysis, developing financing alternatives, assessing risk, and preparing credit reports. Proven ability to effectively collaborate with leadership and work with customers to determine/meet their needs. I am familiar with Bloomberg Marketing Concepts and passionate about portfolio management, real estate, investments, and derivatives. I have been recognized by colleagues, customers, and organizational leaders as a resourceful problem solver with excellent relationship-building and communication skills; bi-lingual: English (fluent) and Spanish (native). MS Finance (3.85 / 4.0 GPA) BBA Finance, and BS in Economics with Financial Applications. Core Competencies Financial Analysis | Cash Flow Analysis | SWOT Analysis | Financial & Credit Report Generation | Macro & Micro Economics | Risk Management | Commercial Banking | Currency Trade | Wealth Management | Customer Service & Engagement | Budget Modification | New Procedure Development & Implementation Technical Proficiencies Finance: Bloomberg Terminal, Financial Modeling Macros, Optimization Solver Data Analysis: FactSet, RStudio Coding Program, Eviews Econometrics, Python Colab Microsoft: Word, Excel, PowerPoint, Outlook Awards SMU First Place Entrepreneurship Capstone Project Golden Key International Honor Society Beta Gamma Sigma Honor Society
Responsible for preparing financial reports to assess the company’s financial health and strategy, as well as for the monitoring and coordination of international transactions in collaboration with 35 correspondents worldwide. Key Accomplishments: • Analyzed financial statements and balance sheets, reducing the debt ratio during 2023–2024 by optimizing the debt structure through improved inventory management and the renegotiation and updating of existing loans. • Organized and participated in strategic meetings with existing clients to review, monitor, and plan commercial agreements. • Led the organization and execution of international payments, ensuring compliance with deadlines and financial terms for clients in the United States.
Collaborated with a team of three to analyze financial statements and determine the business viability of A/C service provider company in Guyana. Prepared company for new investors onboarding. Key Accomplishments: • Developed cash flow analysis and SWOT analysis to facilitate improvement of company’s operations. Implementation of receipts discounting system increased on-time customer payments. Employee efficiency improved with implementation of new devices (e.g., tablets). • Presented owner with alternatives for financing. Highlighted the potential of selling shares to new investors. Recommended investor to owner, who subsequently initiated due diligence process for merger.
Rotated as an analyst on three areas of bank’s business: Commercial Corporate Banking, Risk Management, and Currency Trade. Prepared macro and micro economic reports about risks affecting agricultural businesses in Peru; helped determine viability of lending money to the industry, which was suffering from decreased productivity. Key Accomplishments: • Analyzed financial statements of 15 to 20 companies to prepare credit reports for management to facilitate approval of revolving credit lines; secured approval for two $100M companies. • Accompanied bank executives on visits to two current and two potential clients to establish a fluent commercial relationship with the bank; all four companies chose to start or maintain relationship with the bank.
Analyzed company’s financial statements, oversaw operations, and helped efficiently allocate resources. Key Accomplishments: • Collaborated with the manager to modify the budget - prioritizing oil expenses - for upcoming quarter’s sail schedule of industrial fishing boats; improved cost-effectiveness of fishing trips by 15%. • Authored and presented a report about the production cycle and logistics of the fish and squid meal to a government division from China; division approved importing of product to China, which added approximately $2M in revenues per year. • Implemented new procedures for placing new merchandise into the cold storage; reducing workers time in freezers by 20%.