Manager Financial

JENNIFER RAMIREZ

**** ***** ***** ***** *****, FL 33014

305-***-**** Email: *********@*****.***

SUMMARY OF QUALIFICATIONS

Proficient in multiple computer software, such as Microsoft office, SAP, DAC Easy, Counterparty Information Management System, Lotus, and QuickBooks

Experience in customer service and ability to multi-task

Knowledge of platforms, such as Bloomberg, Citi Pulse, and JP Morgan

Comprehensive background in financial reports, budgeting, and maintaining data

Analytical skills

Excellent client building relationship ability

Detailed and team oriented, good motivator, very enthusiastic, and optimistic

Excellent written and verbal communication and interpersonal skills

Fluent in English and Spanish, Basic French

Member of the Golden Key National Honor Society

EXPERIENCE

Credit Analyst

COAVE SRL June 2015- To Present

Maintained credit files and databases for clients throughout the market

Assisting in the developing and improving credit analysis, portfolio monitoring, and reporting tools

Helped in management of bank and financial counterpart relationships

Determine the credit worthiness of people or companies applying for loans & credits

Filling out loan applications and including the credit analysis and loan request summaries, then submitting these loan applications to loan committees for their approval

Analyze and assess the financial statements and credit history of existing and potential clients.

Review credit applications and perform credit checks.

Structure deals and perform risk assessments.

Forecast reports monthly & weekly for accounts receivables for all kinds of clients.

Pricing Analyst

CMA-CGM (Americas), Inc. April 2014 – February 2015

Pricing for outbound nominated services

Fixing the targets and guideline rates for the export of assigned zone (Dry Cargo from and to Peru & Ecuador

Validating Tariffs & Special Rate Requests (SQ) under LARA

Monitor price trends and competitors to ensure that CMA CGM policies remain competitive in the market

Developed strategies for assigned trades to ensure maximization of revenue, cargo mix and vessel utilization.

Implemented CMA CGM Strategic marketing plan within agreed parameters.

Liaise with CMA CGM Agents and Sales Regions to assist with relevant Pricing Policy

Solved all export matters pertaining to the zone assigned

Assumed responsibility for ensuring the timely and accurate preparation, collation and distribution of all ‘pricing’ related reporting requirements.

Credit Analyst

Bunge Latin American LLC, Coral Gables, FL July 2013 – November 2013

Performed Credit Analysis Reviews and prepared reports for Credit Approval for clients throughout Latin America

Assessed the credit risks and financial strength of new & existing customer accounts,

Negotiated related credit terms of trade contract agreements and ensure CRM customer approval process is completed within established guidelines.

Compiled data from various commercial, banking and public sources to help in the due diligence of credit customers.

Coordinated and provided assistance on any Operational, Business Structuring and administrative

Monitored country risk and conducted research on Latin American exposures

Assisted the Finance Manager with certain month end and exposure monitoring and reports including:

Prepared account Receivables Exposure Reports and Reconciliation Reports

Maintained credit files and databases for clients throughout the region

Assisting in the developing and improving credit analysis, portfolio monitoring, and reporting tools

Helped in management of bank and financial counterpart relationships

Forex Trader/Factoring Division Latin American Financial Service Corp. (LAFISE) Miami, FL October 2010 – June 2013

Responsible for Foreign Exchange Trading with $50,000,000.00 in annual trading volume with $200,000.00 in profits

Prepared and handled reports for referred clients in all banks and financial offices in Central America and Europe

Adhered to compliance procedures and participate in all required compliance training

Balanced, reconciled and managed spreadsheets within department policy limits

Acted as liaison between the LAFISE regional offices and Miami based headquarters

Evaluated cost structure and revenue trends for annual budgeting

Managed the accounts for multinational companies in the Central American Region

Responsible for International Factoring and handled Euler Hermes’ Insurance Policy coverage

Situate and maintain databases & spreadsheets to perform data analysis

Served as an underwriter for the factoring business between Central America and US Buyers

Gathered collected information by the creditor and passed along for underwriting

Assisted in prospect application review, due diligence and underwriting procedures

Assisted in review of new prospect packages, narratives and documentation

Invoice verification and audit bills of lading. Reviewed and approved debtor credit limits

Accounts Payable Coordinator AMA Pharmaceuticals, Doral, FL January 2009 –April 2010

Provided administrative support to C.E.O

Monitored pharmacy operations, including purchasing and distribution

Checked and replenished supplies inventory, packages and label products

Responsible for daily processing of Accounts Payable: matched invoices, voucher coding, processing of check requests

Reconciled, audited and prepared weekly analysis of past due invoices

Prepared account reconciliations; reviewed, investigate, and resolved any differences noted to vendor inquiries

Assisted and prepared Ad Hoc reports for management upon request

EDUCATION

Escuela de Negocios Europea March 2019

Credit & Management Certificate

Universidad de Cádiz Hybrid Program April 2018

Master of Business Administration

Florida International University, Miami, FL April 2010

Bachelor in Business Administration Overall GPA: 3.56

Major in International Business & Management

Study Abroad in Italy, Greece and Turkey Summer 2009

Dean’s List 2009 & 2010

Contact this candidate