Daniela MERA-AMEZAGA
Chula Vista,CA
Summary
Bilingual Senior Credit Analyst and Risk Advisor, with +12 years experience in analyzing, assessment, developing and authorization of credit requests according creditworthiness and financial conduct. Authorization of credits for Wholesale Banking, Worldwide companies.
Strong analytical & assessment skills.
Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Senior Credit Analyst and Risk Advisor
BBVA Wholesale Bank
01.2013 - 03.2022
- Risk and credit advisor, part of the Wholesale Bank Credit Committee at BBVA Bank, reviewing, analyzing, authorizing and monitoring credit proposals and investment projects
- Analysis of financial statements, cash flow, liquidity and financial ratios
- Assess credit risks associated with applicant request, determine payments, collateral and general recommendations toward the entire resource recovery
- Analysis of Investment Projects: livestock, producers, agriculture, industrial and retail
- Negotiate with the Commercial area about all credit terms and conditions and loan contract, toward reduce risk and guarantee an effective and accurate analysis.
- Evaluated customer credit data to determine level of risk involved in money lending.
- Utilized strong communication and interpersonal skills to obtain necessary financial information from customers.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Performed credit reviews on corporations to assess financial conditions.
- Improved understanding of financial statements, which helped in assessing risk.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Assessed credit risk and analyzed financial statements.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Analyzed and monitored portfolio credit performance against expectations and recommended improvement strategies.
- Offered insight to upper management regarding credit decisions.
Junior Credit Analyst
BBVA Wholesale Bank
01.2011 - 06.2013
- Was responsible for review and collect all necessary documentation and elaborate credit proposals
- Collaborated with Risk Advisors, loan processors and the final client during all the credit process to get all the necessary information.
- Assessed credit risk and analyzed financial statements.
- Collaborated with other teams to identify and mitigate risks impacting organization.
Education
MBA - Finance
Universidad TecMilenio
Monterrey, México2018
Bachelor of Science - Industrial Engineering
Cetys UniversidadTijuana
Baja, California2010
Skills
- Cash Flow Analysis
- Verbal and Written Communication
- Credit Risk Review
- Financial Statement Review
- Credit Analysis
- Financial Statements Expertise
- Loan Documentation
- Credit Decisions
Certification
- Cash Flow Cycles and Analysis
- Credit Administration and Documentation
- Financial Analysis for Credit
- Loan Pricing
- 3-Statement Modeling
Languages
Spanish
Native or Bilingual
English
Full Professional
Timeline
Senior Credit Analyst and Risk Advisor
BBVA Wholesale Bank
01.2013 - 03.2022
Junior Credit Analyst
BBVA Wholesale Bank
01.2011 - 06.2013
MBA - Finance
Universidad TecMilenio
Bachelor of Science - Industrial Engineering
Cetys UniversidadTijuana