Real Estate Management

PATRICIO MORAT

**** ******** *****, *********, ** 28277 - 786-***-****, ********@*****.***

- Financial & Risk Management Leadership-

Analytical Problem Solver, Leader, and Team Player who accomplishes goals on time by taking initiative &

expanding business opportunities for mutual benefit. Persistent, willing, and adaptable Senior Financial Analyst

committed to strengthening the bottom-line by improving productivity and boosting profitability. Looking for

challenging position in growing companies where I can apply my expertise. Currently preparing for the CFA

Institute examination and seeking Toastmasters International Competent Leader designation – attained Competent

Communicator designation in May 2009. Fully fluent in English and Spanish.

EDUCATION

University of North Carolina, Charlotte, NC August 2008 – May 2011

Master of Science in Economics, Quantitative Finance concentration.

University of Miami, Coral Gables, FL January 2002 – May 2004

Master of Business Administration, Emphases: Investments & International Business.

Former President of ALPFA (Association of Latino Professionals in Finance and Accounting) Charlotte Chapter;

Member of NSHMBA (National Association of Hispanic MBAs). Member of Toastmaster’s Uptown Club.

Universidad de Palermo, Buenos Aires, Argentina January 1995 – July 2000

Bachelor of Business Administration, Emphases: General Management.

EXPERIENCE

Bank of America, Charlotte, NC October 2007 – March 2009

Senior Auditor, Corporate Audit – Global Corporate and Investment Banking (Portfolio Review Team)

Assessed exposure of the collateral in the CDO and whole loans book to sub-prime market meltdown.

Relationship manager for RMBS (residential mortgage backed securities) and Funding (repos/interest rate swaps)

businesses. Extensive participation in valuation reviews. Member of the Emerging Risks team.

Performed valuation analysis of the entire $80B Capital Markets portfolio including treasuries, RMBS securities

(Agency and Non-Agency CMOs), commodities (grains, energy and financials), Asset Backed Securities (ABS–

credit card receivables), Commercial Mortgage Backed Securities (CMBS) and credit derivatives (CDS).

Developed a “base case” and “stress case” forecast of prepayment, default rates and loss severity assumptions

based on macroeconomic inputs that were provided under the TARP program (CMBS, RMBS and ABS).

Worked with external audit, the SEC and the OCC to ensure SOX compliance and address all questions and

requests pertaining to the valuation of the balance sheet at the individual position level.

Provided management with daily market updates including exchange rates, ratings changes, yield curve and

macroeconomic trend, utilizing Bloomberg, Reuters, Intex, MarkIt Partners and other sources.

Active participant as subject matter expert for RMBS (secondary marketing and whole loans, collateral analysis),

commodities and CVA (Credit Valuation Adjustments – Counterparty risk) audits. Manage 4 auditors/analysts.

AVP - Senior Financial Analyst, Capital Markets (Consumer Real Estate) October 2005 – October 2007

Jointly developed loan level valuation engine for all locks and all channels – single point aggregation tool of loan

level asset values, customer prices, estimated fees and costs for producing measures of expected economic

profitability at the time of lock. In this project I managed 3 Financial Analysts (consumer real estate pricing).

Manage transfer of Conforming and Non-Conforming Whole Loans from CRE balance sheet to Corporate

Investments ($80Bn), including reconciliation with MSP, among other loan tracking systems.

Migrated all loan level detail from past transfers to CI from Excel to Access/SQL to ease data analysis and P&L

production, while reducing margin for error. Assisted on Hyperion ESSBASE implementation.

Introduced and maintained forecasting model for loan origination using Excel, Access, and SQL Server.

Create, maintain, and manage reports –P&L- for MSR and whole loan origination.

Rubicon Partners (Bank Leu – Switzerland), Miami, FL October 2004 – September 2005

Senior Business & Financial Analyst

Analyzed and managed investments -$100 million- to European clients and Hyatt Regency Hotels (Mexico).

Investigated real estate and commodity markets and provided advice for two $50 million funds.

Presented and executed business and investment opportunities to Guggenheim Partners and Black Rock Capital

Management. Positioned clients’ funds -$50 million- in commodity (grains, oils, meats) in Argentina, Brazil and

Uruguay. Managed/coached junior analysts and client relationship associates.

Worked closely with Chief Strategist for building trading, investment and funding strategies; pricing and

analyzing complex deals (collateral); financial-engineering transaction structures; performing risk & return and

portfolio optimization analyses; and quantifying asset and liability management framework.

Kroll Inc. – Latin America & the Caribbean, Miami, FL May – September 2004

Summer Associate, Financial Services & Anti-Money Laundering Consulting Group/Business Intelligence

Provided data crunching of Money Services Businesses and providers of Money Transmitting and Foreign

Exchange Brokerage services operating in the U.S. Implement automated reporting systems for hedge funds, and

fund-of-funds to create if/then systems for protection of these institutions against suspicious activity.

Presented Global intelligence/Know your customer programs to new customers in the U.S. and Latin America.

Strategized plans for increasing business with existing customers by providing Patriot Act/Bank Secrecy

Act/Sarbanes-Oxley compliance and consulting.

Citibank International, Amsterdam, Netherlands May – September 2003

Summer Associate, Global Relationship Banking - Global Corporate and Investment Banking

Heineken, ABN AMRO, Rabobank, ING & Unilever - Rapidly learned companies’ worldwide operations; created

valuation research reports (NPV and IRR) and assisted senior bankers in making presentations and winning

business to Heineken in Europe and Unilever in Latin America; performed cash-flow and ROI analysis for KPN

& Unilever securitization deals in Europe and the Americas.

Heineken, KPN Telecom, ABN AMRO & Unilever – Jointly created bond and syndicated loan offers.

Devised strategic plans for increasing existing customer business in 20 European countries to country and

relationship managers in a matrix environment.

Advised on divestment strategy for Ahold (Santa Isabel Supermarkets), in Chile and Argentina.

Rubicon Partners, Miami, FL April 2001 – April 2003

Business & Financial Analyst

Protected $9 million of client funds from impending economic crisis in Latin America. Structured the model to

value fixed income, equity, currency and commodity portfolios.

Met with former Ministers of Finance, economists and traders to proactively plan investment strategies.

Utilized valuation research reports; ROE, ROI, including financial reports of local companies to determine

investment strategies. Optimized various portfolios utilizing financial models such as Monte Carlo Simulation.

Ensured continued improvement of analytical approaches for pricing, trading, hedging, risk management and

performance assessment through simulations and parametric models within financial engineering framework.

Monitored and computed duration, convexity, swap, credit and option adjusted spread of fixed income securities

to guide dealers on relative value trading and portfolio allocation.

Scotiabank, Argentina, Brazil, Chile, Ecuador, and Mexico January 1998 – December 2000

Corporate Finance Associate, Corporate and Investment Banking

Conducted financial analyses and proposed strategic planning on major clients in the export (commodities and

consumer goods), finance and telecommunications industries.

Assisted investment bankers with financial analyses (ROI and cash flow), for M&A operations in the region,

including investments and divestments. Actively participated in all phases of equity / fixed income research.

Collected clients’ financial information and validated future business perspectives in the region, to support

advisory activities (privatization, divestments, financing).

TECHNICAL SKILLS

MS Excel and Access (Pivot Tables and Macros/VBA), Power Point, MarkIt Partners, Bloomberg; Oracle Crystal

Ball (predictive modeling, forecasting, simulation, and optimization), Hyperion, Tableau (VizQL-Visual Query

Language), Business Objects, STATA, Java, SQL, Teradata (The “W”), SAP, SPSS 14.0; TOAD.

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