Sign in

Manager Financial

Miami, Florida, United States
January 02, 2018

Contact this candidate


Gustavo A. Betancourt

Mobile: 305-***-****



Finance Management Executive with successful experience and proven records of establishing cross-functional partnerships in different industries such as banking, aviation and electronic payments. Sturdy financial knowledge and revenue creator with strong business analysis and negotiation skills, quantitative modeling, process thinking and relationship management mastery.

Credit and risk professional with intensive background in the financial services industry.

Accurate understand of numbers with a very analytical approach.

Credit and Risk Analysis

Budgeting and Forecast Reporting

Extensive knowledge in LATAM

Persuasive negotiator

Quantitative and qualitative analysis

Organizational and leadership skills

Strong negotiation

Excellent interpersonal and communication skills

P & L forecasting

Corporate Finance

Financial modeling and analysis

Highly detail-oriented

Complex problem solving

Comprehensive knowledge of accounting and auditing principles, A/P, A/R


Corporate Treasurer

Grupo Condor 2013 to 2017 Miami, FL

Corporate Treasurer of a group conformed by 3 international airlines and its related companies with more than 2,500 employees and operations in 8 countries including Venezuela Panama, United States, Dominican Republic and the Caribbean. The group has a fleet of 27 aircrafts. Report directly to the Directors Committee and the Corporate Financial Advisor.

Duties and responsibilities:

Implement forecast 12 weeks cash flow positions and advise to the owner and upper management on the liquidity aspects of its short- and long-range planning, providing financial input to strategically enhance financial performance and business opportunities after evaluation and analysis.

Manage daily cash balances’ ensuring the company’s cash flow is adequate to operate effectively.

Participate in the preparation of annual budgets.

Provide guidelines and direction, with a leadership role in financial decision making that affect different business units to the use of the financial resources ensuring the sustainability of the business.

Participate in the preparation of the annual and 5 year projected strategic plan.

Effectively and clearly communicate potential risks in a timely manner and collaborating with colleagues to implement policies and develop improvements.

Develop and manage all fuel strategies to PAWA Dominicana, establishing and maintaining effective relationships with suppliers including the payment strategy (monthly payments around USD 1.5 millions). Negotiates and administers fuel contracts with suppliers and oversees all fuel related performance.

Analyze cost control and provide timely financial information to support corporate goals.

US Treasurer

SBA Airlines 2013 to 2015 Miami, FL

Treasurer for the US operation of SBA Airlines. Lead and implemented a debt restructuring initiative with suppliers, reducing the levels of debt in more than 40%. Responsible for managing the relationship with providers, negotiating conditions and price.


Forecast cash payments and anticipating challenges arising from limited cash flow.

Key partner to management levels on developing and implementing business strategies.

Leaded the processes of enhancing the company’s financial services, such as credit card processing and banking relations.

Able to prepare the complete set of financial statements as well as manage accounts payable and competent in maintaining accurate company-wide financial records, producing financial reports.

Senior Financial Analyst - Development Manager

Juno Moneta Networks 2012 - 2013 Miami, FL

Denarii Systems 2011 – 2012 Miami, FL

Provided financial advising as it relates to managing money outside traditional avenues offered by financial institutions through a suite of diverse products and services to the unbanked but economically active population.


Business leader in the development, sales, establishment and implementation of electronic distribution networks to support and expand Company’s ability to deploy its portfolio of electronic transactions processing solutions, prepaid card issuing of traditional and non-traditional payment instruments and distribution of prepaid products for LATAM with emphasis on Cross Border value transfer.

Evaluated different LATAM markets and their economic sectors’ profitability to identify potential business opportunities. Leader in the transition from business development to project implementation.

Senior Loan Specialist – Mortgage Broker

America Mortgage Brokers Group 2008 - 2010 Miami, FL

Creative Home Mortgages 2002 - 2007 Miami, FL

As a Loan Specialist I was responsible for representing a full range of mortgage financing; generate mortgage and process loans through solicitation of individual consumers, groups, real estate brokers and builders/developers. Provide advice to customers on mortgage products according to customers’ needs with clear objective of ensuring their satisfaction.

Credit Manager & Project Leader

LAN Airlines 2001 -2002 Miami- FL

LAN Airlines is a leading and one of the most prestigious airline in the industry with the unique mix in revenues for its operation in passengers and cargo. I was responsible for managing the Credit Department in the Cargo division.

Duties and responsibilities:

In charge to lead the development conceptual functionality development and implementation of a credit control system to mitigate the losses in the cargo division which operated successfully and was very useful for the airline, reducing in almost 60% the default and loss ratio for uncollected clients’ accounts.

Responsible for assign the credits limits and manage the credit exposure for the cargo clients managing a team of 4 employs.

Corporate Banking & Corporate Finance

Banco Fivenez 1993 - 1999 Caracas- Venezuela

VP Relationship Manager & Senior Credit Analyst

Banco Caracas 1988 - 1992 Caracas- Venezuela

Started in Banco Caracas as a credit analyst, attending Formal Banking Training Programs specialized in credit and risk analysis with a corporate banking approach.

During my tenure in Banco Fivenez I held different management positions in the Credit and Corporate Banking and member in several upper management committees like credit, finance, treasury and strategic development. Appointed as Director to the Board of Banco Fivenez (1994-1999) recognized as one of the top prestigious financial institutions in Venezuela.

Duties and responsibilities:

A member of the bank’s Board of Directors, actively participating in the treasury, audit and budgetary committees, finance, as well as credit & risk committees.

In charge of the bank’s most important and key corporate clients, managed a portfolio of about $73 million in loans with a 0% default rate.

Part of the team in charge of the merge of 4 financial institutions developing and implementing the strategy, overseeing the organizational structure and operation.

Prepared credit proposals to the Credit Committee and Board based on credit standing, financial and business ratios, assessing sources of repayments by evaluating cash flow, guarantor's financial condition and collateral value, establishing credit limits, covenants, debt repayment capacity and projecting feasibility under the bank’s lending criteria.

In charge of the Corporate Finances Unit leading the structuring of syndicated loans and the issuance of commercial papers and bonds. Co-lead structuring the highest amount syndicated loan among 6 other financial institution in Venezuela.


Instituto de Estudios Superiores en Administración - IESA

Master - Advanced Management Program – XIII Caracas- Venezuela

Banco Caracas / Executive Development Center

Formal Banking Training Program / Credit & Risk Analysis ** Caracas- Venezuela

Universidad Santa María

B.S. Business Administration - Concentration in Finance Caracas- Venezuela

Colegio San Ignacio de Loyola

High School Caracas- Venezuela

Courses & Workshops: Negotiation, Leadership, Credit Analysis under inflation, Value Creation, Sale & Negotiation strategies, etc.

Advanced computer skills, including proficiency in MS Office (Excel, Word, PowerPoint, Vizio), Quickbook.

** Participated in a ten (10) months Credit Analysis Training Program which included a deep review of financial skills, risk management.

Contact this candidate