Debora Goncalves
Alpharetta,GA
Summary
Proactive and bilingual Credit Analyst offering many years of experience in determining risk through effective financial document analysis. Sharp and highly trained with a desire to work for a leasing organization.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Junior Credit Analyst
Sicoob
Curitiba, Parana
05.2017 - 09.2022
- Coordinated with internal teams such as legal department and operations team while processing loans.
- Conducted in-depth research on industry trends and company performance to evaluate the risk profile of clients.
- Participated in regular meetings with senior management to discuss credit decisions.
- Prepared presentations summarizing key findings from various projects undertaken by the team.
- Developed a deep understanding of the bank's policies, procedures, and regulatory requirements related to lending activities.
- Assisted in maintaining relationships with external stakeholders such as rating agencies and auditors.
- Provided support in conducting due diligence reviews prior to closing new loans or renewing existing ones.
- Participated in training sessions designed for junior analysts on topics such as KYC and AML regulations and consumer protection laws.
- Participated in credit committees to present analysis and recommendations on credit proposals.
- Prepared comprehensive credit reports summarizing findings and supporting loan approval or denial decisions.
- Conducted credit reviews on corporations to assess financial conditions.
- Ensured compliance with regulatory requirements and internal credit policies during the credit approval process.
Accounting Assistant
OK Assesoria Contabil
Curitiba, Parana
11.2016 - 02.2017
- Assisted in the preparation of monthly financial statements and reports.
- Performed account analysis and reconciliations, including bank statements and inter-company general ledger accounts.
Trainee
BB AMERICAS BANK
Curitiba, Parana
04.2015 - 07.2016
- Provided administrative support to the banking team, such as filing documents, photocopying and scanning.
- Maintained a database of employee information such as contact details, qualifications, skillsets and certifications.
- Provided support to senior HR staff in preparing documents, such as contracts.
- Performed administrative tasks including filing of employee records and responding to inquiries from management or employees.
Trainee
CENECT- SCIENCE AND TECHNOLOGY EDUCATION CENTER.
Curitiba, Parana
07.2012 - 05.2014
- Composed letters, memos, reports, emails, presentations and other written correspondence as required by management staff.
- Answered questions from students regarding services offered by the college.
- Managed student database systems including contact information.
- Greeted visitors and provided general information about the company.
- Organized and maintained filing systems for physical and electronic documents, ensuring accuracy and confidentiality of records.
Education
Bachelor of Accountancy -
Centro Universitario Campos De Andrade
Curitiba, PR08-2018
Skills
- Credit analysis
- Banking regulations
- Financial statement review
- Loan Documentation
- Banking operations
- Credit decision making
Languages
English
Native/ Bilingual
Portuguese
Native/ Bilingual
Certification
- CPA-10 Certification (Anbima Professional Certification – series 10) of investment products
Timeline
Junior Credit Analyst
Sicoob
05.2017 - 09.2022
Accounting Assistant
OK Assesoria Contabil
11.2016 - 02.2017
Trainee
BB AMERICAS BANK
04.2015 - 07.2016
Trainee
CENECT- SCIENCE AND TECHNOLOGY EDUCATION CENTER.
07.2012 - 05.2014
Bachelor of Accountancy -
Centro Universitario Campos De Andrade
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