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
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
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
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
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