Manager Analyst

MÁRCIA REGINA P F M JACOBINA

Rua Divinópolis, *** – Apto. 44

Vila Brasilina - São Paulo

(11)2638-1798 / (11-975**-****

************@*****.***.** Married Brazilian

52years

Area of Expertise

Professional Profile

Now, due to the pandemic I opt to work in home office because I am diabetic but following security protocols, I can attend the company for meetings and other appointments where attendance is necessary.

I am professional with 22 years of career in the financial area, worked in credit and collection in medium and large companies, as well as in banks in the commercial, foreign exchange, administrative, recovery and lending area.

I maintain my relationships in the financial market, I always try to study the internal and macroeconomic scenario.

I developed skills throughout my career as proactivity, ability to concentrate, good communication with internal and external clients, scenario analysis, creativity, team spirit, empathy, organization, and sense of responsibility.

Technology has always been present in my career, but I have no training and I am studying programming and large files to develop and increase my skills.

My current goals are relocation in the labor market, skills development, new skills, continuation of academic studies and execution of training activities aimed at human development.

Language

English - Intermediate - ongoing - Private class

Spanish - Basic - Private class at Banco Santander

Education

Graduation - Accounting Sciences - Unip 2018

SPECIALIZATION PEC - Controllership - FGV 2000

Graduation - Business Administration - PUC/SP 1995

Complementary Training

Credit Analysis Legal Entity - Serasa

SAS - ongoing- online Udemy

Vision Plus - Rumba

Credit Analysis of Individuals and Legal Entities - Union of Bankers

Trading Techniques - Banco Santander

Professional Experience

09/2014 -05/05/2015 Banco Máxima S.A.

Commercial Bank with expertise in the foreign exchange financial market and real estate portfolio.

Junior Credit Analyst

Credit analysis of middle market companies and individuals, in home equity, as well as analysis of purchase of real estate portfolios of construction companies and developers.

Presentation of operations in credit committees.

Participation in meetings with external credit originators.

Attendance to the commercial area in structuring operations and credit lines.

Salary R$ 3,500.

Results

Implementation of own origination portfolio of home equity product.

Increased bank participation in real estate portfolio.

09/2008 - 01/2013 BANIF - International Bank of Funchal S.A

Operations Analyst

Junior Credit Analyst

2010 to 2013: Full Operations Analyst

I developed work working in the analysis of credit individuals, statistics, analysis, compilation, and control of the portfolio of losers through SAS system, Vision Plus and Visa online, analysis of requests for increase of card limits.

Presentations of results in committees, graphical display of the meaning of balance sheet indices, analysis of advanced statistical studies of weight allocation to indices, presentation of companies regarding the concepts of economic /financial and investment /financing, financial flow graphs, debt limits, cash flow analysis, strategies through average terms, concepts of liquid current capital/capital and capital need, management of working capital, concepts for calculating profitability such as profitability profit and remunerative liability and techniques of deep profit analysis of profitability.

Participation in meetings with suppliers and representatives of companies in the card market

Presentation of monthly and fortnightly reports of positions of overdue operations and measures to the committee and presidency of the bank.

Attendance to the commercial area regarding the position of the portfolio of each unit and its participation in litigation.

2008 to 2010: Junior Credit Analyst

I developed work performing credit analysis of small and medium-sized companies, balance sheet analysis, cash flow analysis, current media, economic and financial profile.

Preparation of credit reports, visits, and sector.

Visits and negotiation to companies with contracts to renew or prospecting clients.

Analysis of documentation, registration, payment capacity and contacts with the market.

Participation in credit committees and presentation of companies, their economic, financial, sector and credit proposal aspects.

Results

Compilation and dissemination of information regarding the portfolio of losers to the agencies, providing greater interaction of the network of agencies the collection of losers.

08/2001 - 08/2006 BANCO SANTANDER

Senior Credit Recovery Analyst

Analysis of debt renegotiation operations for legal entities with amounts above R$ 50,000.00.

Direct negotiation with entrepreneurs and their legal representatives, balance sheet analysis and cash flow.

Audit for fraud prevention, financial reengineering, lectures in agencies belonging to the Regional.

Attended meetings with other creditor banks, monitoring of losers' portfolios and performance of accredited law firms.

Visits to customers and analysis of payment capacity and debtors profile.

Participation in strategic planning groups to leverage the results of campaigns and goals of the department.

Results

Collaboration with the structuring and training of the credit recovery sector that had 3 employees in 2001 for service nationwide and after 5 years with the integration of Banco Santander's clients, had 70 employees.

07/1999 – 04/2001 SUDAMERIS BANK

Individual Manager

Service and sale of products and services directed to the market of individuals and small merchants.

Negotiation of anticipation of receivables and credit products for individuals.

Negotiation with payroll companies and organization of differentiated salary payment systems, according to the company's profile.

11/1993 - 07/1999 BANCO HSBC

Relationship Manager

Clerk

Exchange closing (sale of traveler's checks) and foreign currency in kind in the exchange department and analysis of derivative products.

Exchange closing and sale of products such as ACC/ACE and letters of credit.

Negotiation of banking products for small and medium-sized companies such as leasing, working capital and anticipation of receivables.

Relationship with market, quotation of operations and service to the public.

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