Jose R.

I am offline now

Bank of Promerica

Credit Risk Analyst

Reduced non-performing loans by 12% through comprehensive credit risk assessments and improved evaluation processes. Strengthened financial control systems, enhancing cash flow and operational efficiency. Developed advanced credit evaluation frameworks to improve approval accuracy and minimize default rates. Utilized BT and TC Global, Excel, Equifax, Jotform Sign, and Adobe Acrobat (PDF) to streamline credit analysis and documentation processes.

PROASOL

Financial Analyst

Conducted financial analysis and forecasting to support strategic planning and decision-making. Prepared detailed reports on performance, trends, and variances to guide management actions. Evaluated investment opportunities and performed risk assessments to optimize portfolio outcomes. Developed and maintained financial models for scenario analysis and budgeting processes. Utilized SIAFI, advanced Excel formulas, and Microsoft Office Suite to enhance accuracy and efficiency in financial reporting.

Finance Representative

Reduced financial risk through strategic assessments, mitigation planning, and KPI monitoring. Aligned financial objectives with business goals by collaborating with cross-functional teams during budgeting and funding evaluations. Improved forecast accuracy by analyzing market trends and refining financial assumptions. Mentored junior staff and strengthened team performance through clear communication and collaboration. Utilized tools such as Excel, QuickBooks, SharePoint, Monday.com, and Docketwise to streamline financial processes and reporting.

MARHCOFFEE S.A.

Chief Financial Officer

Designed and executed financial strategies that boosted annual revenue by 30%. Led investment planning initiatives that expanded operations into international markets. Reduced operational costs by 18% through process automation and cost-control measures. Negotiated strategic agreements with global suppliers and clients, securing advantageous financial terms.