Financial Analyst Manager
Resume:
Rosa Ines Palacios Arevalo
P: 203-***-**** E: ************@*****.***
Financial Modelling Portfolio Management Due diligence Financial Advising Financial Reporting Financial Risk Management Financial Strategy Financial Planning Financial Services Business Strategy Financial Analysis
Financial Analyst / Investment Analyst / Treasury Analyst
Summary:
Extensive experience financial planning and statistical analysis, project management, cash flow forecasting, budgeting, investment, strategic and critical thinking skills.
Provide coordination support to the development and management of divisional budgets, forecasts, and analysis of program financial results, and develop a variance analysis framework that tracks and explains deviations from planned activities.
Collect quantitative and qualitative data to develop financial models, analyze financial performance, and provide recommendations to support future financial planning activities and management’s strategic and new business initiatives. +
Expert in implementing effective strategies and support operations through analysis of key performance indicators and trends to improve organizational performance and profitability.
Education
Baruch College - City University of New York, New York City April 2020
Finance and Investment Certificate - Contemporary American Business Practices GPA:3.90/4.00
Catholic University Santiago De Guayaquil, Guayaquil, Ecuador 2012
Master of Business Administration GPA:3.75/4.00
Catholic University Santiago De Guayaquil Guayaquil, Ecuador
Bachelor’s Degree in Economics GPA:2.80/4.00
Certification:
Anti - Money Laundering Expert
ISO 9001 Quality Management System Auditor
Human Resources Management
Licenses: Finra - Securities Industry Essentials (SIE)
Work Experience
Regional Manager, Financial Analysis and Management 2014 – 2018
Fiduciaria Ecuador Fiduciary Trust Company
Increased by 20% the company investment income managing the company s treasury and budgeting.
Managed the company s and of the 750-million-dollar portfolio managed by the company fundamental analysis, variance analysis, financial ratios and due diligence.
Implemented key performance indicators increasing the productivity by 16%.
Prepared company s annual strategic plan, budgeting and forecasting, increasing the operational income in 20%.
Cash flow, accounts receivables, payables and investments management, decreasing 15% in operational expenses due to supplier’s review
Established pricing analysis strategy. Suppliers management.
Negotiated with banks, analyzed legal documents included company supplier contracts, insurance and civil responsibility policies, corporate contracts and new managed portfolios contracts.
Managed Key Performance Indicators analysis.
Conducted monthly profit and loss reports meetings before of Shareholders’ board. Attention of external audits and regulatory institutions.
Market research and analyzed competitor performance.
Managed operational, anti- money laundering process and politics and financial risk.
Deputy Manager, Financial Analysis and Management 2008 – 2014
Banco del Pacifico Financial Group- Fiduciary Banking Division
Implemented an automated cash flow control report
Managed the company s and of the 900-million-dollar portfolio managed by the company fundamental analysis, variance analysis, financial ratios and due diligence.
Create monthly Management Discussion and Analysis documents for Board of Directors.
Manage Invoicing and Collections Specialist to reduce invoicing delays and improve business cash flow.
Increased 15% in the company investment income.
Decreased 30% in operational expenses due to supplier’s review and management
Implemented clients reporting process increasing productivity and decreasing personnel hiring expenses by 9.00%
Accounts receivables and payables, recovered 20% of bad debt
Increased the operational income in 15% due to improvements in setting goals Implemented and managed anti-money laundering and risk management systems
Developed a pricing setting system.
Conducted monthly profit and loss reports meetings before of Board of Directors and Shareholders’ board.
Analyzed competitor s performance
Financial Analyst, Financial Analysis 2001 – 2007
Noboa Corporation International Division
Managed the quarterly financial analysis, Kelso Enterprises, Longford Insurance, South Pacific Shipping, Fruit Shipping Limited.
Controlled and updated the national purchases and sales of North American, Japanese and Mediterranean markets.
Controlled international expenses.
Reconciliated off shore bank accounts.
Managed account receivables and account payables.
Repos management
Tax Compliance Officer, Tax Compliance 2001
Internal Revenue Service
Tax compliance control
Trained companies’ staff, startups and individuals about the internal tax regime law. Reviewed private institutions tax compliance periodically.
Volunteer experience:
Instructor - Coaching
Real Estate Brokers Association ACBIR 2010 – 2013
Compliance, Due Diligence, Anti Money Laundering Practices, Know your Costumer Process, Trust Management and Securitization
Universidad del Pacífico 2011 – 2012
Financial Analysis for Undergraduate Students
Banco del Pacifico Financial Group 2008 – 2014
Compliance, Due Diligence, Anti Money Laundering, Know your Costumer Process, ISO 9001, Risk and Trust Management.
Internship Experience
Guayaquil Stock Exchange
Operations Rueda – Area
CHILDREN EDUCATOR
Society for the Protection of Children Ines Chambers Vivero
High School General Knowledge
Technical Skills
Strategic and analytical thinking
Attention to detail
Performance optimization
Team player and self-starter
Ability to multi-task
Effective communication
Innovation and improvement
Ability to learn quickly
Project Management- WBS Chart Pro
Oracle Sun System
Bizbank, Gestore, SACI, SIINCO, SISAF
OFFICE: Word, Excel, PowerPoint, Explorer, Access, Visio, Publisher
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