Management Financial

Robert Ramirez

**-** ** ****** *** **, Astoria, New York 11102

Email: *********@*****.***

Home: 718-***-****

Cell: 914-***-****

SUMMARY

Analytical professional seeking to secure a position in financial services.

Core competencies in the areas of credit risk analysis, commercial lending,

credit research analysis, leverage finance, financial modeling, and credit

documents. Effective communication and time management skills, proven

ability to work effectively in a fast paced environment.

EMPLOYMENT

Key Food Co-Operative, Staten Island, New York

(6/2009-Present)

Financial Analyst-Finance/Accounting Department

. Responsible for the financial reporting and analysis of Key Food's

Income Statements, Balance Sheet schedules, and Cash Flow schedules.

. Conduct monthly and quarterly P&L analysis of 5 internal divisions and

communicate analysis verbally and written to senior management.

. Create weekly volume and sales analysis from 112 stores on frozen

products, dairy products, meat products, and grocery products variance

reports.

. Conduct financial analysis on competitive landscape of retail-

groceries industry for internal management and buyers uses.

Moody's Investor Service, New York, New York

(3/2007-

8/2008)

Senior Associate- Corporate Finance Group

. Provided analytical support to Senior Credit Analysts' in the rating

process and credit research of high yield and investment grade

companies in the energy, oil/gas.

. Monitored a portfolio which consisted of 36 energy companies in the

area of exploration/production, oilfield services, midstream/pipeline,

and local distribution companies.

. Utilized models such probability of default models, loss-given default

(LGD) assessment models, cash flow models, liquidity model,

speculative-grade liquidity models (SGL), and financial projection

models.

. Communicated analysis of rating models to Senior Analysts' and RCM

(rating committee members) and provided a recommendation in writing.

. Produce credit research on issuers' annual and current performance,

and drafted press releases on rating actions for publication on

moodys.com and various news outlets.

. Participated in the analysis and rating of initial debt offerings and

merger and acquisitions ranging from $100 million - $2 billion.

. Attended internal and external meetings as well as investor briefings

with clients and issuers.

Landesbank Baden- Wurttemberg (LBBW), New York, New York

(8/2006-3/2007)

Credit Analyst- Consulting Assignment

. Conducted analysis of financial results, operating performance, and

liquidity status on exiting bank borrower and prospective borrowers.

. Assisted credit department in internal and external bank audit, and

worked closely with VP of Credit department on ad hoc projects.

. Entered and updated financial spreads of existing and new borrowers in

Excel, and made appropriate accounting adjustments as needed.

. Prepared monthly corporate credit exposure reports to Branch

Management and the Credit Department in Germany.

. Tracked and monitored covenant agreements, compliance issues,

syndicated loan agreements of 50 corporate borrowers in consumer

products, retail/manufacturing, technology, healthcare, and utilities.

National Cooperative Bank, Washington, DC

(7/2005-

6/2006)

Associate- Professional Development Rotational Program- (formal credit

training program)

Corporate Banking/Risk Management Associate:

. Conducted annual and quarterly credit memos including checking of

1000+ loans during audit season.

. Analyzed key issues relating to the credit risk of specific borrowing

relationship to the Bank as well as determined an appropriate internal

risk rate of the relationship.

. Communicated with Relationship Managers regarding discrepancies

pertaining to borrowers' portfolio.

. Prepared credit waivers and amendments pertaining to borrowers'

portfolio.

Robert Ramirez

*********@*****.***

Independent Financial Marketing Group, Purchase, New York

(12/2002- 6/2005)

Accounting Specialist II (F/T while in school)

. Processed and reconciled annuity and life insurance commission

statements for IFMG's biggest client Quick & Reilly.

. Assisted in the integration process of IFMG's commission processing

system for Quick and Reilly into Bank of America Securities processing

system, during the time of B of A's acquisition of Fleet Boston.

Accounting Specialist I (F/T while in school)

. Processed and reconciled commission statements from annuity and life

carriers in proprietary system including and matching open

receivables; applied cash to trades in systems; 1035 exchanges; and

reconciled commission checks.

. Communicated with insurance and mutual fund carriers to obtain

additional information regarding payments on

. Researched and resolved unsettled trades, discrepancies with

commission rates, and commission payout pertaining to trades from

financial representatives in the field, and managers in the home

office.

EDUCATION

Iona College, New Rochelle, New York

(8/2006)

Bachelors of Business Administration

Concentration: Finance

Westchester Community College, Valhalla, New York

(5/2001)

Associate Applied Science

Concentration: Liberal Arts

COMPUTER SKILLS

Microsoft Word, Excel (macro, micro, and financial modeling), PowerPoint,

Access, Bloomberg, Lexis Nexus, Dun & Bradstreet, Homeland Tracker,

Factiva, PeopleSoft, Moody's KMV, Merchant online, S&P Net Advantage, and

Business Objects.

Contact this candidate