Michael Roberto Hurtado Prado
New York,NY
Summary
Detail-oriented Credit Officer experienced in assessing financial documents and organizing applications to deliver informed recommendations. Achieved compliance with legal and institutional standards while evaluating property values and borrower backgrounds. Focused on balancing risk and profit potential to optimize lending portfolios.
Overview
13
13
years of professional experience
Work History
Credit Officer
Banco Pichincha
Guayaquil, Gy
10.2013 - 04.2022
- Evaluated credit applications to determine eligibility for loans and financing.
- Conducted thorough risk assessments to minimize financial exposure for the bank.
- Collaborated with clients to gather necessary documentation for credit processing.
- Maintained accurate records of all credit transactions and client communications.
- Monitored loan performance and identified potential issues in repayment schedules.
- Analyzed customer accounts, payment trends, and credit ratings to assess risk of default.
Administrative Assistant
Banco Produbanco
Guayaquil, Gy
04.2009 - 10.2013
- Managed scheduling and appointments for executives and team members.
- Coordinated communication between departments to streamline information flow.
- Prepared documents and reports for internal meetings and presentations.
- Answered phone calls and emails to provide information, resulting in effective business correspondence.
- Maintained office supplies inventory and coordinated procurement processes.
Education
Academia Naval Almirante Illingworth
Guayaquil, GyAssociate of Science -
Universidad Estatal De Guayaquil
Guayaquil, GySkills
- Loan underwriting
- Credit analysis
- Risk assessment
- Credit risk modeling
- Debt management
- Financial documentation
- Data verification
- Documentation preparation
- Effective communication
- Team collaboration
Languages
Spanish
Native/ Bilingual
English
Professional
Timeline
Credit Officer
Banco Pichincha
10.2013 - 04.2022
Administrative Assistant
Banco Produbanco
04.2009 - 10.2013
Academia Naval Almirante Illingworth
Associate of Science -
Universidad Estatal De Guayaquil