Sebastian Rios
Gibsonton,FL
Summary
Hardworking and passionate job seeker with strong organizational skills eager to achieve company goals. Analyst knowledgeable in conducting background checks and developing methodologies to predict future risk behaviors. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures. Thorough and meticulous Financial Risk Specialist accomplished in helping organizations manage investment, industry-specific and general economic risks. Detail-oriented in reviewing data and identifying impactful trends. Brings great presentation and interpersonal communication skills.
Overview
5
5
years of professional experience
Work History
Credit & Collections Analyst (Accounts Receivable)
Signode
03.2023 - Current
- Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
- Reduced delinquency rates with proactive monitoring of clients' credit performance and timely communication.
- Collaborated with cross-functional teams for comprehensive client assessments, supporting informed decision making.
- Improved understanding of financial statements, which helped in assessing risk.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Drafted reports on company financial metrics to assess successes and account for deficiencies.
- Evaluated emerging risks and conducted scenario analysis to assess potential impacts on business objectives.
- Reduced risk exposure by identifying and analyzing potential risks in business operations.
- Completed journal entries, reconciliations, and account analysis to prepare quarterly financial documents and general account management.
- Analyzed and monitored portfolio credit performance against expectations and recommended improvement strategies.
Estates Processor
Citibank
08.2022 - 02.2023
- Reduced processing time for estates by prioritizing tasks and managing deadlines effectively.
- Provided support during probate court proceedings, preparing necessary paperwork and acting as a liaison between clients and the court system.
- Supported families during emotionally difficult times by offering compassionate guidance throughout the entire estates processing journey.
- Produced financial statements and reports to comply with regulations.
- Assisted clients in understanding complex legal documents, enabling them to make informed decisions about their estates.
- Collaborated with legal teams to prepare comprehensive estate plans, resulting in smooth transitions and timely distributions.
- Proved successful working within tight deadlines and a fast-paced environment.
- Enhanced financial reporting accuracy by streamlining accounting processes and implementing internal controls.
- Worked with both internal and external users to create detailed financial reports.
International Tax Associate
Citibank
08.2022 - 02.2023
- Compiled general ledger entries on short schedule with 100% accuracy.
- Prepared working papers, reports and supporting documentation for audit findings.
- Navigated intricate regulations governing international taxation, providing well-informed guidance to clients on diverse transactions.
- Kept up-to-date with tax changes and industry trends by participating in professional organizations, opportunities, and networks.
- Assisted in the preparation of transfer pricing documentation to minimize audit risks and potential penalties.
- Managed projects involving multiple jurisdictions, ensuring timely completion and compliance with local laws and regulations.
- Conducted regular reviews of existing risk management practices, recommending improvements as needed.
- Improved the organization''s risk profile through comprehensive risk assessments and mitigation measures.
- Investigated allegations to check validity and recommend actions to minimize risk associated with money laundering.
- Implemented robust monitoring systems to continually track the effectiveness of risk mitigation efforts.
Credit Analyst (Accounts Receivable)
Johnson & Johnson
04.2021 - 07.2022
- Streamlined the loan approval process for faster results by implementing an efficient credit scoring system.
- Demonstrated strong organizational and time management skills while managing multiple projects.
- Enhanced customer relationships through effective communication of complex financial information, contributing to loyalty and retention.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Assisted in maintaining a diversified portfolio through thoughtful selection of new customers based on rigorous credit analysis standards.
- Provided valuable insights on industry trends and economic indicators, contributing to a well-informed lending strategy.
- Delivered accurate risk ratings by consistently evaluating borrowers’ financial health, competitive positioning, and market dynamics.
- Completed statistical reviews to uncover trends, patterns and variations.
- Reduced company risk exposure by identifying, assessing, and mitigating potential threats to the organization.
- Drafted reports on company financial metrics to assess successes and account for deficiencies.
Account Receivables Associate
Advantage Solutions
02.2019 - 03.2021
- Safeguarded documents of accounts receivable and payments to enable tracking history and maintain accurate records.
- Developed and implemented strategies to improve collection processes and reduce overdue payments.
- Reduced outstanding receivables for increased financial stability by effectively managing accounts and pursuing collections.
- Contacted clients with past due accounts to formulate payment plans and discuss restructuring options.
- Trained new team members on accounts receivable processes and best practices, contributing to a cohesive work environment.
- Generated monthly accounts receivable reports to submit developments for management review.
- Monitored accounts to verify compliance with payment terms and schedules.
- Maintained excellent financial standings by working closely with bookkeeper to process business transactions.
- Reduced operational risks through proactive identification and mitigation of potential issues.
- Evaluated customer needs and feedback to drive product and service improvements.
Education
Bachelor Of Arts - Government
University of South Florida
Tampa, FL12.2018
Skills
- Data Compilation
- Risk Assessment
- Financial statement analysis
- Report Preparation
- Information Verification
- High risk account reviews
- Transaction reviewing
- Cost-benefit analysis
- Risk Management
- Credit Management Knowledge
- Collections Procedures
- Account Reconciliation
- Records Maintenance
- Accounts Receivable Software (SAP, Dynamics)
- Cash application
- Dispute Resolution
- Credit risk
- Verbal and written communication
- Microsoft Excel proficiency
- Cash Flow analysis
Languages
Spanish
Native or Bilingual
Timeline
Credit & Collections Analyst (Accounts Receivable)
Signode
03.2023 - Current
Estates Processor
Citibank
08.2022 - 02.2023
International Tax Associate
Citibank
08.2022 - 02.2023
Credit Analyst (Accounts Receivable)
Johnson & Johnson
04.2021 - 07.2022
Account Receivables Associate
Advantage Solutions
02.2019 - 03.2021
Bachelor Of Arts - Government
University of South Florida
Similar Profiles
Teagan HazenTeagan Hazen
Forklift Operator at SignodeForklift Operator at Signode
Alfredo RiveraAlfredo Rivera
Plant Manager at SignodePlant Manager at Signode
Alfredo RiveraAlfredo Rivera
Plant Manager at SignodePlant Manager at Signode
Sebastian RojasSebastian Rojas
AR Specialist at SignodeAR Specialist at Signode
Ashari SmithAshari Smith
Pharmacy Technician I at Baycare Health Systems, St. Joseph Hospital-SouthPharmacy Technician I at Baycare Health Systems, St. Joseph Hospital-South