Management Analyst

SUMMARY

Bilingual credit analyst with extensive knowledge and 10 years of

experience working for fortune 100 companies. Fluent in the Spanish

language and working knowledge of Portuguese. Dedicated, well-organized and

the ability to multitask which resulted in 100% customer satisfaction.

Effective when confronted with change, ambiguity and work pressure. Strong

work ethics and fast learner.

PROFESSIONAL EXPERIENCE

General Electric Capital Vendor Services (formerly Citi Capital Healthcare

& Energy Finance) Danbury, CT

2006 - 2009

GE is a global infrastructure, finance and media company that serves

customers in more than 100 countries. Citi Capital was acquired in late

2008 and as a result of the acquisition GE Capital added $13.2 billion in

assets.

Credit Officer

. Managed successfully 40% of the Healthcare Vendor Portfolio which

delivered quality solutions and exceptional service to existing clients

. Conducted in-depth underwriting for new and existing customers' loans and

leases from small to large ticket transactions which exceeded established

department productivity goals by 10% or more each year

. Performed annual vendor and customer review for transactions with

exposure over $1,000,000 and prepared approval memoranda to appropriate

credit authorities

. Worked with Sales, Credit and Asset Management team to assure

transactions are processed within business guidelines and customer's

expectations

. Reviewed and analyzed personal and corporate financial information which

includes tax returns, financial statements and consumer credit reports to

determine individual cash flows and projected debt service coverage

. Structured customer's accounts to relief their monthly payments

. Acted as management backup during absences

. Authority increased from $250,000 to $500,000 within a period of 6 months

International Business Machines Corporation, Armonk, NY 1999

- 2006

IBM Global Financing is the largest IT lender in the world, with an asset

base of $36 billion and operations in more than 55 countries.

Financial Analyst (2006)

. Performed in-depth financial reviews describing the supplier's level of

financial risk, its main risk drivers and mitigations plan

. Provided updated financial assessments for highly confidential

presentations presented to senior management including the CFO

. Maintained a close look on industry events and general market conditions

for suppliers identified as higher risk

. Coordinated with credit teams in the different GEOs to ensure adherence

to deadlines

. Hosted weekly meetings for IBM Procurement employees to communicate

upcoming process or procedures changes and to raise awareness of general

risk factors affecting the suppliers' business profile

Team Lead U.S. Credit Analyst (2004 - 2005)

. Conducted in-depth analysis for non-investment grade companies, made

recommendations and presented the detailed credit reports to senior

management on an ongoing basis

. Managed and trained 4 employees located in Brazil on computer systems,

programs and processes which resulted in excellent customer satisfaction

and quick turnaround time

. Provided excellent credit support during quarter-ends which was relayed

to the Executive Director of the Credit Group by numerous customers

. Collaborated with key members of the finance and information technology

departments to develop and implement the auto- approval model. 40% of

the transactions were processed through this model which resulted in cost

and time efficiency

. Handled all vendor payments for the Credit Department that totaled about

$2.5M. With this information, management was able to explore different

options and enter into negotiations with the various vendors

. Processed Non- IGF Chargeback to the various IBM business units on a

quarterly basis. This resulted in a Chargeback of over $2M in revenue

per year

Junior /Collection Analyst (1999- 2003)

. Analyzed public and private companies' financial statements and performed

full financial ratio analysis

. Worked closely with IGS, S&D by providing guidance via conference calls

and working through issues quickly

. Took initiatives to drive processes and systems efficiencies

. Monitored credit analysts' level of authority in decision making

. Reviewed cash escrow accounts each month to determine if security deposit

should be retained, returned or applied towards a delinquent account

. Approved credit transactions based upon escrow request

EDUCATION

Iona College, New Rochelle, NY

1997 - 1999

Degree: Bachelors of Business Administration

Major: International Business

AWARDS

*Dean's list

*Alpha beta Gamma

*Peers to Peers Award - Team Work

*Letter of recognition by management

*On the Spot Award - Performance and Leadership

SKILLS

Microsoft (Word, PowerPoint, Excel), QMF, Fast Finance

Attended Credit Lending Forums run by Risk Management Association

Strong verbal and written communication skills

Knowledge of federal banking regulation and commercial lending policies,

procedures,

practices and techniques

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