Cynthia Ramirez
BMO Bank of Montreal
Duncanville
24
Years of experience
Accomplished Financial Analyst with a proven track record at BMO Bank of Montreal, adept in financial analysis and problem-solving. Excelled in reducing risk exposure and enhancing regulatory compliance through meticulous audits and documentation. Skilled in fostering client relationships and analyzing financial trends, demonstrating both analytical prowess and effective communication.
Work History
Financial Analyst
7 Years 1 Month- Reduced financial risk exposure by diligently monitoring key performance indicators and promptly addressing potential issues.
- Provided back up to the Wholesale Verification Audit.
- Monitored BMO's largest Transportation Finance Customer.
- Supported executive management in making informed decisions by providing accurate and timely ad-hoc reports upon request.
- Ensured regulatory compliance with internal controls and industry standards through audit preparation and documentation efforts.
- Developed strong working relationships with clients through regular communication and timely responses to inquiries, and loyalty among customers.
- Utilized strong analytical skills in evaluating balance sheets, income statements, cash flow statements, and other financial documents to assess the financial health of various companies.
- Analyzed and monitored statistical data trends.
Credit Lead
3 Years 11 Months- Review account setups for accuracy and non-compliance issues.
- Recommend revisions to policy and procedure and implement changes.
- Conduct Quality Review on loan files and complied audit finding into a database scorecard.
- Assist both internal and external auditors as requested.
Credit Operation Specialist
5 Years 6 Months- Remedied discrepancies between documentation and loan Approval Package.
- Analyzed balance sheets and income statements
- Calculated financial ratios.
- Monitored indicators of risk in ongoing portfolio (e.g. covenant defaults, borrowing base violations security defaults).
Surveillance Agent
3 Years 1 Month- Maintained borrower's financial history
- Evaluated and spread operating statements. Noted changes in income, expenses, rent rolls leases or other significant issues and escalated to manger.
- Ordered and reviewed annual property inspections.
- Submitted loans to the pre-watch committee for review.
- Corresponded with borrowers to received required documentation as scheduled.
Quality Control & Tracking Analyst
4 Years 10 Months- Monitored due dates and prepared request letters for operating statements and rent rolls.
- Perform Quality Control to insure accuracy of statements.
- Wired funds to accounts internally and externally.
- Balanced posting and updated borrower's new information to loan system.
- Facilitated the flow of information between servicing teams, borrowers, Trustees and Rating Agencies.
Education
Associate of Applied Science - Accounting
- Dean's List
- Awarded Certificate in Excel and Word
Skills
Collateral Analysis
Internal Audits
Financial Analysis
Documentation Audits
Problem Solving
Data Collection & Research
Timeline
Financial Analyst
BMO Bank of Montreal
11.2016 - 12.2023Read More
Credit Lead
JPMorgan Chase
10.2012 - 09.2016Read More
Credit Operation Specialist
JPMorgan Chase
03.2007 - 09.2012Read More
Surveillance Agent
KeyBank Real Estate Capital
01.2004 - 02.2007Read More
Quality Control & Tracking Analyst
ORIX Capital Markets, LLC
02.2000 - 12.2004Read More
Mountain View College
Associate of Applied Science from Accounting
Read More