Santiago Gallego
San Diego,CA
Summary
Finance student at Loyola Marymount University with a 3.6 GPA and internship experience in financial analysis and credit analysis across U.S. and Mexican markets. Skilled in financial modeling, ratio analysis, and cash flow management. Bilingual in English and Spanish, with a track record of translating financial data into actionable recommendations for senior stakeholders.
Overview
4
4
years of professional experience
Work History
Financial Analyst Intern
PAGASA
05.2025 - 08.2025
- Presented actionable financial insights to senior management, influencing strategic decisions and improving budget allocations.
- Reviewed revenue streams, expense categories, and cost structures to uncover overspending and inefficiencies.
- Analyzed accounts receivable, inventory, and accounts payable, enhancing liquidity and cash management strategies.
- Examined financial statements using Excel to evaluate financial health, identifying inconsistencies that informed strategic recommendations.
- Analyzed financial data to support decision-making processes.
- Assisted in preparing monthly financial reports and forecasts.
- Collaborated with team members to streamline budgeting processes.
- Conducted variance analysis to identify discrepancies in financial statements.
Credit Analysis Intern
Proaktiva Financiera
04.2024 - 09.2024
- Conducted due diligence on corporate and personal credit applications to ensure compliance with institutional lending standards.
- Evaluated financial statements and cash flow projections to identify default risk and repayment capacity.
- Conducted ratio analysis on 80+ loan applications, evaluating debt-to-equity and liquidity ratios in Excel to guide lending decisions.
- Collaborated with senior analysts to prepare and present financial findings, producing actionable credit memos that informed management decisions.
- Analyzed financial statements and evaluated credit risk for multiple clients, informing lending decisions that supported various $8,000,000+(Mxn Pesos) loan portfolio.
Sales & Marketing Intern
San Diego Loyal Soccer Club
12.2021 - 08.2022
- Assisted in developing data-driven promotional campaigns that contributed to an increase in customer engagement and boosted sales revenue.
- Coordinated activities between marketing and sales teams to enhance collaboration.
- Provided high-quality customer experience in high-volume environments, enhancing brand engagement.
- Developed logistics plans for the marketing team in a high-pressure environment, improving coordination and efficiency.
- Analyzed stock levels and trends to achieve high inventory accuracy and boost merchandise sales using Excel for data management.
- Practiced cold calling techniques to enhance ticket and merchandise sales efforts.
Education
Bachelor of Science - Finance
Loyola Marymount University
Los Angeles, CA12.2026
Skills
- Microsoft Excel
- Investment research
- Strategic planning
- Cash flow management
- Credit analysis
- Performance reporting
- Cost analysis
- Investments
- Month-end reporting
- Financial reporting
- ERP systems
- Advanced Microsoft office
- Teamwork and collaboration
- Quick learner
- Problem-solving
- Cost reduction
Languages
Spanish
Native or Bilingual
English
Native or Bilingual
French
Professional Working
Timeline
Financial Analyst Intern
PAGASA
05.2025 - 08.2025
Credit Analysis Intern
Proaktiva Financiera
04.2024 - 09.2024
Sales & Marketing Intern
San Diego Loyal Soccer Club
12.2021 - 08.2022
Bachelor of Science - Finance
Loyola Marymount University