JOSE DEGUZMAN

*** ********* *****, **********, ** 06610 203-***-**** Cell

acscp5@r.postjobfree.com

SUMMARY

Substantial expert experience analyzing and preparing complex financial statements, including researching and evaluating counterparty risk and making recommendations for credit approvals.

Earned a reputation with senior management as highly analytical, detail-oriented, quantitative problem solver, team player and individual contributor with a unique ability to work cross-functionally and entrepreneurially in deadline-driven environments.

Consistently ranked at top of peer group.

Solid background in Credit and Risk.

TECHNICAL SKILLS

Amphora, AMPS, Business Objects, Bloomberg, Capital IQ, Crystal Report, FAS Software, FRX, Great Plains, Hyperion Financial Management, JD Edwards, FAS software, JD Edwards-One World Microsoft Excel, Word, Powerpoint, Access, Moody’s, Monarch, Oracle, PRISM, Prophix, ProSystems, Quickbooks Pro, Quicken, Reflections, Right Angle, S&P, Solomon III & IV, SUNGARD, Turbo Tax, S&P, SQL, VBA

PROFESSIONAL EXPERIENCE

PERKIN ELMER – Shelton, CT July 2015-Sep 2015

Credit Analyst- Consultant

Review, analyze and research the Parent-Subsidiary hierarchy relationship of customers SAP Credit Project

CARTUS - Danbury, CT APR 2014–APR 2015

Senior Credit Analyst/Senior Pricing Analyst

Prepared, researched, evaluated counterparty Credit Reviews based on financial statements, market and industry trends, current events and various independent resources such as credit rating agencies

Make Credit Review recommendation and presentation to senior management with regarding counterparty’s creditworthiness, credit terms and credit risk grades.

Model various pricing scenarios to accommodate challenging client relocation needs and requirements

Coordinated with various groups such as finance, supply chain etc. to gather and collection accurate financial information for client needs for pricing, RFP’s

Analyze client profiles and make recommendations on best pricing scenarios to ensure clients receive best pricing for client needs

GE CAPITAL- Energy Financial Services – Stamford, CT JULY 2013- JAN 2014

Risk Analyst- Consultant

Data Governance: Review and clean-up of legacy data in portfolio system.

Assist with closing-out open items from gap analysis including writing related procedures

Perform reconciliations and audit between risk and finance data

Documented, updated and presented the LGD project business objectives, requirement and results per the BASEL III and US GAAP

Managed LGD project (Includes PD, EAD, risk ratings etc) from beginning until completion.

Coordinated with various groups such as IT, account management, finance etc. to be able to analyze, assess and understand the requirements, possible resolutions, goal and time line for the project.

Produced, created and provided management a user interface guidance to ensure that proper steps and procedures are done to assure the quality and integrity of data

Assisted and provided support in stress-testing scenarios (CCAR)

NOBLE AMERICAS CORP – Stamford, CT JUNE 2011- JULY 2013

Credit Risk Analyst – Consultant

Researched, reviewed and evaluated counterparty status, relationships, guarantees

Responsible as a Credit Administrator for the global commodities

Responsible for researching, coordinating issues with global AR over dues, accounting issues

Responsible for the weekly consolidated global MTM/ PFE calculation and reporting for various commodities (i.e. aluminum, cocoa, coffee, cotton, grain, power & gas, sugar)

Responsible for margining/ margin calls, margin analysis, issued payment and receipt instructions thru cash, letters of credits, prepayments, collaterals

Gathered and updated the documentation for various requirements for credit risk and market risk (such as procedures, various metrics, instructions etc.)

JP MORGAN CHASE/RBS SEMPRA COMMOD. - Stamford, CT SEP 2008 – JUNE 2011

Analyst – Global Credit Risk Management

Prepared, researched, evaluated counterparty Credit Reviews based on financial statements, market and industry trends, current events and various independent resources

Make Credit Review recommendation to senior management with regarding counterparty’s creditworthiness, tenor limits, LGD’s and credit ratings/ grades.

Approved Credit reviews, tenor limits, credit grades based on independent research and evaluation

Spread-headed the documentation, collection and updated the various regulatory credit requirements due to the Joint-venture of RBS and Sempra Energy Trading

SANTA ENERGY CORP - Bridgeport, CT APR 2007- AUG 2008

Senior Financial Analyst – Senior Accountant

Responsible to Budget, Forecast, Trend, Variance and Financial Analysis

Responsible for the maintenance and reconciliation of Fixed Assets

Responsible for recording Mark to Market Calculation and analysis

Inter-Company and inventory reconciliation

Responsible and prepared Consolidated Financial Statements

TEREX CORPORATION – Westport, CT MAR 2006 – APR 2007

Senior Accountant

Reconciled and analyzed Consolidated P&L, Balance Sheet

Reconciled and analyzed Retained Earnings reconciliation for restatement purposes

Prepared financial reports and analysis for 10-Q, 10-K purposes

Responsible and researched 2005 and prior issues for restatement purposes

Resolved and assisted issues with international entities regarding financial data entry to HFM, to account analysis

PREMCOR, INC./ VALERO - Old Greenwich, CT DEC 2003 – FEB 2006

Lead Accountant

Responsible for inventory, valuation and Mark- to- Market calculation and analysis

Analyzed and prepared inventory reports such as Position Reports, Roll-Forward and Weighted

Average Cost

Reconciled the sub-ledger to Oracle

H. MUEHLSTEIN & CO., INC. – Norwalk, CT FEB 1999- DEC 2003

Senior Accountant

Analyzed and prepared Balance Sheets and Profit & Loss Statements for Europe, Latin America, Hong Kong, and Canada

Converted foreign currency Financial Statements to US GAAP

Preparation of Consolidated Financial Statements

Prepared and analyzed Financial Statements for the Securitization Companies

Performed hedging of foreign currency transactions

Reconcile Inter-Company transactions and perform account analysis

EDUCATION

SACRED HEART UNIVERSITY FAIRFIELD, CT

MBA Major in Finance - May 2003

BS Accounting - May 1998

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