Andrea R. Alarcon
Summary
With extensive experience in credit and financial analysis, I offer a strong analytical mindset and professional approach to my work. Currently, I am pursuing an opportunity to apply my diverse skill set and unwavering work ethic in a new environment. Having consistently delivered accurate and insightful analysis, I am confident in my ability to make valuable contributions to any organization.
Overview
14
14
years of professional experience
Work History
Senior Financial Analyst II
Formosa Plastics Corporation, USA
Livingston, NJ, USA
01.2017 - Current
- Promoted to Senior Financial Analyst II in January of 2023, now Team Lead and overseeing a junior team
- Promoted to Lead Credit Analyst in January of 2020
- Assessing, analyzing and interpreting income statements, balance sheets, cash flow and other financial data to determine customer’s financial health
- Thorough scrutinization of customer’s10-K filings,10-Q filings, news articles and other financial briefings
- Calculating financial ratios including liquidity ratios and leverage ratios to accurately determine customer’s ability to meet financial obligations
- Examining customer’s internal credit history for annual reviews and/or requests for credit amount increases
- Examining current/prospective customer’s external credit history using Dun and Bradstreet Risk Management Solutions, Credit Risk Monitor and The National Chemical Credit Association through NCCA ABC Omega
- Obtaining & reviewing supplier references and bank information
- Collaborating with Legal and prospective customers to complete corporate guarantees when financial analysis indicates heightened level of risk
- Preparing recommendations supporting customer’s financial capability to management with the goal of keeping company’s credit exposure within set risk bearing limits
- Communicating with customers, business unit sales and business unit personnel as the situation requires
- Performing customer visits for the purpose of reviewing financials data provided in confidence by the customer
- Go to for Ad-hoc, sensitive and urgent projects within Finance division
- Lead Credit Analyst (2020-2022)
- Credit Analyst II (2017-2020)
Senior Financial Analyst
Arxada, Formerly Troy Corporation
Florham Park, NJ
04.2014 - 01.2017
- Senior Financial Analyst for manufacturer of specialty chemicals in Personal Care, Metal Working Fluid, Energy and HI&I markets amongst others
- Provided financial support to Director of Treasury and FP&A, CFO, Regional Controller, Business Unit Managers and Senior Management
- Prepared and provided commentary of the monthly reporting package to Board of Directors
- Prepared and performed analysis of P&L and Balance Sheet
- Prepared monthly pricing file for all regions (prices, cost and margin by customer and YTD pounds for all products)
- Monitored, analyzed and reported actual performance against budget/forecast/PY on a customer level for all business units and regions
- Planned, directed, and coordinated deliverables with my direct report, (Financial Analyst)
- Loaded, reconciled and maintained data in IBM COGNOS TM1
- Generated reports using SAP Business Planning and Control System (BPCS)
- Organized and created yearly global budget and reviewed final numbers with regional sales managers, business unit managers and vice presidents
- Calculated BOMs, Transfer Prices, Royalties, Commissions, Rebates, Price Analysis and FX impacts
- Traveled to Europe and Asia to train regional sales managers and finance department multiple times a year
Finance Leadership Development Program Intern
Verizon Communications
NJ & CA
06.2011 - 08.2013
- Performed an operational audit on their Self Installation department and suggested annualized savings of $6.2MM in 2013
- Performed an operational audit on their B2B Demo Program and suggested restructured program, realized proposal and saved Verizon more than $5 Million in 2012
- Performed an operational audit on their Business License Tax department and suggested accrued savings of $7.2MM in 2011
- Presented ideas effectively each summer to CEO and CFO of Verizon
Education
MBA - Accounting/Finance
University of Massachusetts, Lowell
Lowell, MA05-2025
Bachelor of Science - Finance/ Management
Seton Hall University
South Orange, NJ12-2013
Skills
- Credit Risk Analysis
- Financial Statement Analysis
- Data Analysis & Interpretation
- Customer Relationship Management
- Advanced Excell Skills
- Problem-Solving & Critical Thinking
- Fluent in English & Spanish
- Time Management & Organization
Timeline
Senior Financial Analyst II
Formosa Plastics Corporation, USA
01.2017 - Current
Senior Financial Analyst
Arxada, Formerly Troy Corporation
04.2014 - 01.2017
Finance Leadership Development Program Intern
Verizon Communications
06.2011 - 08.2013
MBA - Accounting/Finance
University of Massachusetts, Lowell
Bachelor of Science - Finance/ Management
Seton Hall University