OMAR MENA
Elizabeth,NJ
Summary
Experienced with credit analysis, risk management, and customer service. Utilizes credit assessment strategies to mitigate financial risk. Track record of improving credit processes and fostering strong customer relationships.
Diligent , with solid background as Credit Specialist. Proven success in managing credit risk and improving collection processes. Demonstrated expertise in credit analysis and customer relationship management.
Overview
9
9
years of professional experience
Work History
Credit Specialist
Banco Pichincha
06.2023 - 08.2024
- Verified application and account details to accurately asses credit and financial risks of potential clients.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Increased customer satisfaction, resolving disputes and offering payment solutions tailored to individual needs.
- Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
- Reduced risk exposure by conducting thorough credit analyses for new and existing clients.
- Updated client accounts with new information and verified data for informed credit approvals.
- Reviewed and verified income, credit reports and employment histories for each borrower.
Head of Treasury
Gad Municipal De Ventanas
07.2019 - 03.2023
- Prepared and presented financial reports to inform senior management and board of directors.
- Oversaw the successful completion of external audits without any major findings or issues raised by auditors.
- Completed journal entries, reconciliations, and account analysis to prepare quarterly financial documents and general account management.
- Reconciled monthly statements, invoices and expense accounts, keeping records accurate, and current.
- Drafted treasury reports to support management decision-making needs.
- Managed budgets, assets, portfolios, accounts payable, and receivable and general financial reporting procedures.
- Provided treasury and cash management by overseeing reconciliation of banking activity, credit card processing, and sales tax returns.
Credit Analyst
Banecuador
03.2015 - 06.2019
- 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 customer data such as financial statements to determine level of risk involved for extending credit.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
Education
Bachelor of Science - Economics
Universidad Tecnica De Quevedo
Quevedo-Los Rios- Ecuador08-2011
Skills
- Telephone and email etiquette
- Effective communication
- Documentation review
- Loan underwriting
- Cash flow analysis
- Portfolio management
Languages
English
Limited Working
Spanish
Native or Bilingual
Timeline
Credit Specialist
Banco Pichincha
06.2023 - 08.2024
Head of Treasury
Gad Municipal De Ventanas
07.2019 - 03.2023
Credit Analyst
Banecuador
03.2015 - 06.2019
Bachelor of Science - Economics
Universidad Tecnica De Quevedo
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