JUANCARLOS ANDUIZA

Miami, Florida, United States 305-***-**** adm34l@r.postjobfree.com www.linkedin.com/in/juancarlosanduiza DIRECTOR OF CREDIT & PORTFOLIO RISK MANAGEMENT

CREDIT ANALYSIS RISK MANAGEMENT OPERATIONS MANAGEMENT PORTFOLIO MANAGEMENT Performance-driven and analytical professional with a robust portfolio of financial skills including, but not limited to, Underwriting, Portfolio Management, Risk Management, New Credit Origination, Customer Services and Relationship Management for various small to mid-size businesses. Saved Millions of dollars in fraud and recoveries. Strong ability to interpret financial statements for purpose of determining creditworthiness. Pragmatic and result-oriented, with a focus on customer service goals. A track record of achieving and exceeding the standards of customer services in the JP Morgan Customer services call center for credit cards and World wide consumer banking. Proficient in AS400, Fast Data, Boss System, MRI Systems, Lotus Notes, CARS System, and FDR. Possess exceptional track record in growing small business by 25% in one quarter and over 50% in less than two quarters. AREAS OF EXPERTISE

● Risk Management

● Underwriting

● Portfolio Management

● FDR Platform

● Fraud Detection

● Customer Services

● Tsys Payment Solutions Platform

● Strategy Development

● Financial Analysis

● Credit Analysis

● Customer Relationship Building

● Lending

● Metrics Analysis

● Training & Development

● Operations Management

● Risk Analysis

● Chargebacks

● Call Center Management

PROFESSIONAL EXPERIENCE

DIRECTOR OF CREDIT & PORTFOLIO RISK MANAGEMENT Sep 2017 - Present Ventura Business Solutions Inc., Miami, Florida

● Managing and monitoring the credit quality of a portfolio of assigned corporate clients including periodic review of borrower financial statements, covenant compliance reports, rating agency, equity analyst reports, and industry trends, etc.

● Assessing the credit and financial strength of the firm's corporate borrowers and counterparts by performing fundamental credit analysis using both quantitative and qualitative factors.

● Reviewing the credit facilities applications and ensure that all Cash Advance, Credit Card Factoring, Business Loan, ABL, and Stock Up applications are in line with credit structure, due diligence collateral, and appropriate security and conditions.

● Identifying and communicating policy and operational improvements that are enhancing credit quality and increasing the efficiency and effectiveness of the loan review process.

● Formulating and implementing strategies to improve business and organizational risk. Analyzing business processes and propose optimizing solutions.

● Assessing the credit risk aspect of each business initiative driven and supported by analytics.

● Ensuring the implementation of 1st Global’s Credit and Risk Management policies as well as that Credit Documentation process is proper and centralized as per regulated framework.

● Guiding, directing, training, and motivating the direct reports and subordinates to perform to a high standard and to realize their full potential, ensuring that department goals are achieved. DIRECTOR OF CREDIT & PORTFOLIO RISK MANAGEMENT Sep 2015- Sep 2017 One West Capital, LLC., Hallandale Beach, Florida

● Designed and implemented credit risk criteria and conducted quality control audits to ensure process accuracy, completeness, and timeliness.

● Generated opportunities for new business growth by drafting policies that drove improved compliance and risk protocols and complied with changing economic environment.

● Facilitated end-to-end implementation of operational efficiency improvements that helped in strategic business objectives such as system enhancements and productivity gains in a cost-effective framework.

● Monitored and reviewed the credit portfolio and company’s exposure to credit from all angles, and provided appropriate recommendations to ensure the company’s security and interests.

● Conducted portfolio reviews by providing an independent opinion on the quality of client's existing portfolios.

● Performed analysis of customer’s claim and transactional data to identify emerging fraud trends, and improved fraud strategies.

● Recommended continuous improvement to the systems, processes, and practices taking into account international best practices.

● Developed credit management tools including the development of appropriate credit risk metrics and key performance indicators.

HR AND TRAINING SPECIALIST Feb 2015 - Sep 2015

Everest Inc., Doral, Florida

● Led & developed the Team to maximize productivity, departmental revenue, risk control, guest satisfaction & department COS/CSI scores.

● Designed and instructed training programs to educate credit analysts on cash flow analysis and loan structuring, enabling the company to improve the quality of its underwriting staff.

● Developed, reviewed, and updated all credit risk-related policy documents.

● Provided business support to the other groups within Everest Inc., including sales, while ensuring that risk policies are upheld, maintained, and explained.

MANAGER OF CREDIT & PORTFOLIO RISK MANAGEMENT Oct 2013 - Jan 2015 NextWave Enterprises., Miami, Florida

● Supported in the development, implementation of models in risk management with a focus on Credit Risk, Market Risk, and Operational Risk related to NextWave Enterprises’s Credit and Risk Management policies and guidelines.

● Exhibited astute credit judgment and ensured that all Cash Advance, Business Loan, and ABL applications met with a high quality of credit structure, due diligence, collateral, and appropriate security and conditions.

● Mitigated risk by ensuring loans are approved following the company’s Lending Policy and approval terms.

● Performed credit analysis and prepared credit memoranda for assigned accounts including new transactions, annual reviews, renewals, amendments, waiver requests, and financial updates.

● Prepared periodic reports to upper management against pre-defined key risk indicators.

● Reviewed credit recovery and studied trends to provide appropriate advice to judicious credit deployment and maximum recovery. MANAGER OF CREDIT & PORTFOLIO RISK MANAGEMENT Jun 2012 - Oct 2013 AmeriMerchant Inc., New York, NY

● Developed and implemented the Risk Management framework: defined risk modeling and methodology adapted to AmeriMerchant Inc’s activities

● Approved credits within delegated credit limits and made recommendations to Senior Manager.

● Provided ongoing guidance to team members and assisted in resolving grievances and complex situations.

● Ensured that all assigned tasks and projects are executed within the approved policies, procedures, and SLAs of the department.

● Monitored and analyzed risk performance indicators independently, proposing improvements to the risk processes & strategy.

● Controlled & organized the proper follow-up on all collection accounts as well as direct all collection activity.

● Maintained reporting related to the portfolio including pipeline tracking, exposure tracking, and other general reports. MANAGER OF UNDERWRITING, RISK MANAGEMENT AND OPERATIONS Aug 2009 - Jun 2012 Capital Processing International, Inc., Hollywood, Florida

● Ensured that risk management and underwriting procedures and processes are effectively implemented to operate within operational and credit risk appetite.

● Advised top management in the continual improvement of Risk systems, underwriting, and performance.

● Managed and assigned accounts to personnel in the Underwriting and Risk department.

● Analyzed daily exception reports and reviewed ACH reject reports for potential operational, credit, and fraud risk exposure.

● Managed the operations of Underwriting and re-underwriting merchant accounts through reviewing credit Reports, Dunn & Bradstreet, merchant processing statements, and reviewing merchant business and personal bank statements.

● Created and maintained BSA/AML risk assessment; Oversaw BSA investigations and BSA/AML monitoring program, Identified and monitored high-risk, cash-intensive, and exempted customers.

● Reviewed chargeback report and assigned accounts to personnel to acquire information necessary to assess potential chargeback loss and complaints issues with Visa & MasterCard’s rules and regulations. OTHER EXPERIENCES

MANAGER OF UNDERWRITTING AND RISK MANAGEMENT Feb 2005 - Aug 2009 Merchant Data System Miami, Florida

FRAUD & RISK MANAGEMENT ANALYST Feb 2002 - Mar 2005 First Data Corporation Florida & New York

FRAUD INVESTIGATOR (INCLUDING OTHER RISK POSITIONS & CUSTOMER SERVICES) Mar 1994 – Feb 2002 JP Morgan Chase Bank Jericho, New York

PROFESSIONAL EDUCATION

BUSINESS ADMINISTRATION

New York Institute of Technology, New York, New York BUSINESS ADMINISTRATION

Miami Dade College, Miami, Florida

LANGUAGE PROFICIENCY

English Fluent

Spanish Fluent

REFERENCES

Excellent References Available Upon Request

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