HERNAN R. GARCIA-EDWARDS

Calle Magdalena *, *****

San Leonardo, Soria, Spain

Tel: 638409399

EDUCATION

• Yellow-Belt Lean Six-Sigma Fully Certified by Pfizer. October-2012

• Green-Belt Lean Six Sigma Fully Certified by Pfizer October-2012

• BLOOMBERG CERTIFIED (14 exams) July 2003

• M.S. FINANCIAL MATHEMATICS, PHD. Candidate. 1997-2000

• THE UNIVERSITY OF CHICAGO, Chicago, IL

• Paper on “The Yield Curve as a Predictor of Economic Cycles” U.of Chicago

• B.S. INDUSTRIAL ENGINEER

• UNIVERSIDAD DE BUENOS AIRES (U.B.A) (facultad de Ingenieria) 1988-1994

• B.S. BUSINESS ADMINISTRATION (6-year program)

• UNIVERSIDAD DE BUENOS AIRES(Facultad de Ciencias Economicas) 1988-1994 LANGUAGES / COMPUTER SKILLS

• FULLY TRILINGUAL (English, Spanish, Italian).

• Working knowledge of, FRENCH and PORTUGUESE

• Financial Softwares: SAP HANA, BLOOMBERG, REUTERS, ESSBASE, HYPERION; SAP Module FI(Finance)Banking Industry and Pharmaceutical, ORACLE Production Environment.

• Financial Simulation Software’s : PERTRAC, IBBOTSON(Optimal Portfolio)

• Microsoft Office:EXCEL Macros.Pivot Tables, POWERPOINT and POWER BI presentations.

• Computer Languages: C++; FORTRAN; PASCAL; VBA; MATHEMATICA; Matlab; Minitab-16.

• SAP “Super User”“Module FI(Finance), SAP Hana-Credit Management & Collections, AR-AP- CREDIT MASTER SHEET. JD-EDWARDS Credit & Collection. OTHER EUROPEAN/ARGENTINE CITIZENSHIP/SWISS WORK PERMIT Skills, abilities and Personal Traits.

• Ability to monitor employee performance.

• Ability to lead, support, and motivate teams and individuals.

• Good decision maker.

• Polished verbal and written communication skills plus outstanding presentation skills.

• Proficiency in the use of technology to increase productivity.

• A passion for the financial markets and highly developed aptitude for quantitative and analytical. PROFESSIONAL EXPERIENCE

AXALTA COATING SYSTEMS Llaneras,Asturias, Jan 1st 2024-Present Credit Risk and Collections Manager North America

• Enhance Revenue and Mitigate Risk: Improve revenue generation while maintaining low risk by overseeing credit issuance and monitoring customer credit profiles.

• Manage North America Customer Portfolio: Meet account receivables targets, minimize past due percentages, and optimize Days Sales Outstanding (DSO) for the North America customer ba

• Cash Collection: Collaborate with customer, sales and AR/Cash Application teams to ensure timely collections through dunning procedure and effective order control.

• Discrepancy Resolution: Collaborate with customer, sales and AR/Cash Application teams to ensure prompt resolution of customer discrepancies

• Credit Risk Assessment: Evaluate credit risk and establish credit limits and payment terms within the scope of authority. Implement credit risk mitigation strategies based on thorough customer investigations and risk assessments.

• Consistent Application of Credit Policies: Maintain strict adherence to credit policies and procedures, emphasizing solid internal controls.

• Participate in Credit Projects: Actively engage in or lead credit-related projects to enhance operational efficiency.

Nestle, North America Solon, Ohio, USA January 2015-December 2023 Senior Specialist Supplier Risk

• Performed API’ reports, dynamic spreadsheets linked to excell for public vendors.

• Responsible of calculating montlhy global working capital position.

• Maintained Bloomberg, Dun & Bradstreet, CRM, Bureau Van Dyke. Experian sand Creditsafe scoring solutions.

• Financial and cash flow statements and business intelligence reports’s analysis of global suppliers, geopolitical intelligence, competitive landscape, industry and industry data.

• Assigned risk ratings for new/potential vendors and reviewed risk ratings for existing vendors.

• Advised procurement – Vendors representing high risk of supply chain/business disruption.

• Engaged vendor’s management for financial disclosure and to discuss financial issues and communicate risk factors with Nestle.

• Performed customer service capacity by answering inquiries from vendors and Nestle procurement.

• Assisted with reviewing, development and maintaining the integrity of the Nestle global Vendor approval (VAP) tool used globally by Nestle Procurement for the preliminary risk assessment of new vendors.

• Assisted procurement with contingency strategies and planning. PFIZER PHARMACEUTICALS (Global Financial Shared Services) Memphis, Tennessee, Dec. 2009-Dec 2014 Credit Risk and Collections Manager

• Responsible of $200Million AR portfolio for NOLA Markets, Mexico, Costa Rica, Puerto Rico and Panama, all business units, Pharma, Animal Health, Nutritional, Consumer and Generics.

• Ensured adequate internal controls existed in areas of customer credit limits and their respective ADA and DSO analysis for each market in compliance with Sarbanes-Oxley.

• Responsible for recommending ADA’s reserve position and DSO-Aging to market Finance Directors for NOLA’s markets.

• Developed strong working relationships with commercial and finance directors/teams, and implemented country risk analysis framework and commercial credit risk policies.

• Advised on critical credit risk drivers to senior management/treasurers/controllers in the Latam Region achieving consensus and established direct contact with the largest distributors.

• Developed and implemented credit monitoring process for existing processes to evaluate credit risk of new distributors and territories on consistent basis

• Created a credit scoring model establishing corporate policies on f/s requirements, confidentiality agreements and manage customer credit files.

• Developed from scratch an statement of cash flow to analyze all sources and sinks of cash

(Operational, Financing, Investing, Free and Shareholders Cash-Flow and financial ratios) to be able to forecast customer repayment capabilities.

• Evaluated use of various credit mitigation instruments, and advised to finance directors on the use of third party credit risk management tools to protect account receivables, Credit Insurance, Factoring, diverse options.

• Developed and implemented collection strategies for delinquent accounts, bankruptcies, and/or implemented, along with legal departments, Promissory Notes or Collateralls.

• Managed a team of 6 middle level financial/credit professionals.

• Supported Strategic Vendor Financial Health Check requirements by providing formal risk analysis/assessment for Pfizer business partners with anticipated annual spend exceeding $5.0M.

• Provided input for functional re-design of existing SAP and FSCM. PFIZER PHARMACEUTICAL (Dublin Treasury Group) Dublin, Ireland, Feb. 2007-Nov.2009 Global Treasurer Assistant

• Obtained and developed cash flow forecasts and evaluated working capital needs

• Developed investment strategies for cash need and manage day-to-date relationship with banks

• Advised on Treasuries, risk management and hedging strategies

• Oversighed all aspects of International Treasuries: governance; strategy; balance-sheet management; funding/liquidity; transfer pricing and market risk

• Supported dialogue with insurance brokers, underwriters, and surety companies to optimize coverage and premiums. Recommended options to manage commodity, foreign exchange, and interest rate risk

• Supported all quarterly and annual SEC filings with oversight of disclosure in areas involving debt and liquidity management

• Trading of Repos/ Reverse Repos and Commercial Papers issuance and trading.

• Ensured comprehensive cash management operations and defined processes were properly working

• Budgeting and forecasting oversight (analysis and submission to FP&A) related to interest expense and other operating expense categories related to Treasury. BNP PARIBAS Miami, USA, Jan. 2006-Dec. 2006

Senior Portfolio Manager

• Development of sensitivity models to analyze asset-backed synthetic securities.

• Preparation, using Ibbotson Encore, of Client’s Proposals. Hedging of client’s portfolios using Index-Linked financial instruments and structured products.

• Determined credit risk classification of all institutional customers purchasing the fund portfolio

• Completed quarterly analysis and formal written credit evaluation of all identified high risk customers

• Responsible for assigning credit lines to customer opening letter of credits for import/export and line of credits for mortgages.

• Portfolio Manager of discretionary brokerage accounts. BANKBOSTON/BANKAMERICA INTL PRIVATE BANKING Miami, USA, March 2001-Feb. 2005 Semi-Senior Product Manager

• Supervisor for the Opening/Renewing CD and TD’s of clients for BankofAmericaTreasury Funding.

• Supervisor for the Fixed Income Mutual Fund (Proprietary and Third Party) trading activity

• Selection and preparation of a Recommended Daily Fixed Income/Preferred/Tips/Callable list for officers.

• Generation of a Weekly “Hot List” of Latin Fixed Income issues, suggesting FI. Arbitrage opportunities.

• Generation of a Weekly list of Structured Products/Linked Notes/Step-Ups/Exotics…

• Selection and Recommendation of best Trust Products (Bahamas) as well as the Marketing Distribution and training.

• Selection of on-shore and offshore funds and Hedge Funds conducting performance attribution analysis used to present value added vs. benchmark, for client’s portfolio allocation.

• Liaison between Third Party Mutual Funds Companies and the Bank and coordinator of Third Party Presentations. Provided financial analysis reports and the evaluation of financial strength on entities seeking to ask loans to the Bank. Sensitivity analysis on model portfolios to determine effect of changes in holdings on risk profile used to position portfolio according to client risk parametersControl of logs and reports, KYC Procedures. LLOYDS BANK PLC -Buenos Aires, ARGENTINA 1994-1997 Research Associated

• Pricing of futures and forwards on foreign currencies for funding and trading.

• Information tools development for traders and Fund Managers (Yield curve of domestic

• and Latin American Brady bonds, equity analysis, fundamentals).

• Valuation of Repos and Reverse Repos.

• Valuation of Equity Link Deposits for Pension and Mutual Funds clients.

• Eventually trading of bonds and Fixed Income instruments, covering Traders on vacation.

• Implementation of market risk management framework. VAR, DAR.

• Calibrated valuation risk models. Performance evaluation of non-linear position.

• Estimation of spread volatilities and correlations based upon FX crosses.

• Portfolio Full-Valuation, using Montecarlo techniques for generating random scenarios.

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