Justin Ramirez
The Bronx,NY
Summary
Detail-oriented financial analyst with over 1 year of experience in credit risk management, data analysis, and client portfolio oversight. Supported $1.3B in total client AUM across 200+ accounts at two leading financial institutions. Increased data accuracy by 15% through extensive review of credit applications and strengthened risk control protocols. Provided key analytics and reporting to business development teams to help achieve 30%+ of targeted commercial relationship income (CRI). Proficient in risk analysis software, Excel, database management programs, and data visualization to deliver insights to stakeholders. Aiming to leverage analytical skills and attention to detail to contribute to a corporate banking analyst, credit analyst, or account management role. I am also passionate about macro-environment analysis, real estate, and emerging technologies.
Overview
3
3
years of professional experience
5
5
years of post-secondary education
Work History
Credit Risk Analyst
Credit Agricole CACIB
New York, NY
11.2022 - 11.2023
- Improved quality of client information in firm systems by 15% through reviewing 100+ credit applications for accuracy according to legal documentation
- Analyzed final hold reports on a monthly basis to enable business development team to optimize targeted sales activities, supporting achievement of 30% of targeted CRI
- Performed data validation, cleaning, and analysis on high-risk client accounts to streamline reporting for Shared National Credit Program and regulators
- Monitored 50+ companies across diverse industries to identify risk factors through portfolio management and ensured client info is accurately represented under firm systems based on legal documentation
- Maintained accurate records of 200+ client accounts and performed reconciliations as needed.
- Balancing of Provision reports allowing Front Office and Finance to follow through RISK Permanent Control requirements for clientele with high-risk assessments.
Treasury Analyst (Intern)
Bank Hapoalim
New York, NY
09.2016 - 06.2018
- Organized financial records for 100+ clients representing over $1.3B in total AUM, maintaining organized database of customer transaction information.
- Provided auditors with required transaction details and financial records during annual audit, supporting external accounting team.
- Researched vendors providing $500K of services, conducted analysis on contracts and fee structures, and provided recommendations to senior leadership on areas for cost savings or risk.
Education
Master of Science - Finance
Fordham University
The Bronx, NY 08.2023 - 06.2024
Bachelor of Arts - Economics
Fordham University
The Bronx, NY 08.2018 - 05.2022
Skills
- Data Analysis & Cleaning
- Knowledge of Commercial Loans
- Portfolio Management
- Risk Monitoring & Reporting
- Microsoft Office Suite
- Final Hold
- Market Research
- Banking Regulations
- Intermediate VBA & Python
- Oral and Written Communications
- Stock & Options Trading
Languages
Spanish
Professional
Timeline
Master of Science - Finance
Fordham University
08.2023 - 06.2024
Credit Risk Analyst
Credit Agricole CACIB
11.2022 - 11.2023
Bachelor of Arts - Economics
Fordham University
08.2018 - 05.2022
Treasury Analyst (Intern)
Bank Hapoalim
09.2016 - 06.2018
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