Summary
Overview
Work History
Education
Skills
Languages
Timeline
Generic

Claudia Pina Ramos

New Rochelle,NY

Summary

Highly motivated and goal-driven Financial Analyst skilled in collecting, monitoring and studying data to analyze financial status and recommend business strategy. Experienced in qualitative and quantitative analysis, contract management and forecasting.

Overview

17
17
years of professional experience

Work History

Financial Advisor

CICALIFE
10.2018 - 05.2023
  • Developed personal rapport with each client to maintain customer loyalty and establish long-term accounts.
  • Cultivated and strengthened relationships with new clients and educated clients on account services and capabilities.
  • Assisted clients with estate planning to organize distribution of assets based on client wishes.
  • Management of work team based on goals and incentives.
  • Assisted in preparation of presentations, data tables and other documents for investor meetings.
  • Met with clients to discuss assets, expenses, and long-term and short-term investment goals to devise personalized financial plans.


Corporate Credit Analyst

BBVA Provincial Bank
09.2017 - 10.2018
  • Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
  • Analyzed credit scores to determine borrowers' creditworthiness.
  • Made decisions and recommendations about extending lines of credit.
  • Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
  • Assessed credit risk and analyzed financial statements.
  • Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
  • Negotiated payment plans and loan terms with delinquent customers.

Area Credit Manager

BBVA Provincial Bank
12.2012 - 08.2017
  • Work cross-functionally with sales, management and other departments to maintain effective operations.
  • Oversaw reporting, documentation and recordkeeping requirements for department.
  • Investigated and evaluated customers for creditworthiness and potential risk factors.
  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
  • Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
  • Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
  • Reviewed and analyzed loan procedures.
  • Located and known costumer needs of a personal portfolio for their growth and placement of new products.

Credit Manager

BBVA Provincial Bank
02.2008 - 11.2012
  • Investigated and evaluated customers for creditworthiness and potential risk factors.
  • Obtained and interpreted financial statements to assist in credit limit reviews.
  • Oversaw reporting, documentation and recordkeeping requirements for department.
  • Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
  • Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.

Cashier

BBVA Provincial Bank
08.2006 - 01.2007
  • Greeted customers entering store and responded promptly to customer needs.
  • Built relationships with customers to encourage repeat business.
  • Operated cash register for cash, check, and credit card transactions with excellent accuracy levels.
  • Worked flexible schedule and extra shifts to meet business needs.
  • Counted money in cash drawers at beginning and end of shifts to maintain accuracy.
  • Assisted customers with returns, refunds and resolving transaction issues.

Education

ADVANCED THECNICIAN - BUSSINES ORGANIZATION

COLEGIO UNIVERSITARIO FERMIN TORO

BACHELOR IN ADMINISTRATION - Business Administration And Management

UNIVERSIDAD NACIONAL SIMON RODRIGUEZ
BARQUISIMETO ESTADO LARA

Skills

  • Advanced Financial Analysis
  • Client Advisory
  • Analyzing Performance
  • Recommend Strategies
  • Self-Motivated Professional
  • Sales and Marketing
  • Report Preparation and Presentation
  • Data Research and Analysis

Languages

Spanish
Native or Bilingual
English
Professional Working

Timeline

Financial Advisor

CICALIFE
10.2018 - 05.2023

Corporate Credit Analyst

BBVA Provincial Bank
09.2017 - 10.2018

Area Credit Manager

BBVA Provincial Bank
12.2012 - 08.2017

Credit Manager

BBVA Provincial Bank
02.2008 - 11.2012

Cashier

BBVA Provincial Bank
08.2006 - 01.2007

ADVANCED THECNICIAN - BUSSINES ORGANIZATION

COLEGIO UNIVERSITARIO FERMIN TORO

BACHELOR IN ADMINISTRATION - Business Administration And Management

UNIVERSIDAD NACIONAL SIMON RODRIGUEZ

Similar Profiles

CREATE PROFILE
Claudia Pina Ramos