Carla Peixoto, CFA

Experience

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  Banco Espirito Santo

  Jul 2007 - Sept 2007

  Summer Intern at the Risk Department

  Main functions related with corporate credit risk of large companies (Top corporate rating desk): - Performing economic and business analysis based on the firm's financial statements and balance sheet indicators;- Attributing a rating using the bank’s internal risk models.

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  Millennium bcp

  May 2008 - Nov 2008

  Intern at Risk Office

  Operational risk monitoring and control functions, namely:- Monitoring the financial losses related with operational risks through the compilation of statistics based on the risk events reported by all the bank's business areas;- Raising risk awareness to the risk measurement and implementation of mitigation actions for risks with highest exposure and/or severity;- Preparing reports to the Board regarding the bank's operational risk status.

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  Banco Espírito Santo

  Jul 2009 - Feb 2013

  - Analysing SME loans with first-default signs and studying structuring options to prevent more severe default levels;- Requesting for additional collateral and guarantees based on LTV (Loan-to-Value) levels;- Providing SME with alternative financial instruments according to their needs of financing and current financial indicators (e.g. medium term loans vs. overdrafts, commercial paper vs. bonds, IRS to cover interest rate risk);- Supporting and reviewing legal documents (including new contracts/financial instruments or additional collateral). Show less - Servicing of RMBS (Residential Mortgage-Backed Securities) and ABS (Asset-Backed Securities) of SME loans as well as Covered Bonds issued by BES;- Estimating the future performance of RMBS and ABS transactions through the development of cashflow modelling based on alternative scenarios (depending, for example, on the probability of default, expected recovery rate and annualized prepayment rate);- Reporting to investors, rating agencies (Fitch, Moody's, S&P and DBRS) and regulators (Banco de Portugal and ECB);- Analysing potential assets to be securitised (e.g. consumer loans and leasing);- Participation in the origination, structuring and issuance process of new securitisation transactions and Covered Bonds by BES. Show less

  • Financial Analyst at the Credit and Restructuring Department (SME Area)

    Jun 2012 - Feb 2013

  • Securitisation Analyst at the Financial Markets & Research Department (RMBS and Covered Bond Area)

    Jul 2009 - Jun 2012
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  Nova School of Business and Economics

  Sept 2009 - May 2014

  Invited Teaching Assistant

  - The Lisbon MBA (Católica and Nova SBE universities in partnership with MIT Sloan School of Management) courses: Financial Investments* and Financial Investments and Derivatives**;- International Master in Finance*** courses: Applied Corporate Finance, Investments, Risk Management, Macroeconomics of Financial Markets, Financial Markets;- Undergraduate courses: Corporate Finance.* Full-Time Program, ranked in 2014 the 52nd best program in the world and 17th best in Europe** Part-Time Program, ranked in 2013 the 44th best Executive MBA Program in Europe*** 22nd program in the 2013 Financial Times ranking Show less

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  Banco de Portugal

  Mar 2013 - Aug 2014

  Analyst at the Statistics Department (Balance of Payments Area)

  - Monthly compilation and reporting of the statistics on the Portuguese Balance of Payments (using SAS software) to international institutions (ECB, Eurostat and IMF);- Implementing the methodological changes introduced by the IMF in 2013 in the compilation of the Portuguese Portfolio Investment statistics using SAS software;- Preparing and leading presentations both to national agents and to international peers about the compilation of the Portuguese Balance of Payments statistics.

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  Deloitte UK

  Nov 2014 - Dec 2015

  - Valuation of structured finance instruments – working as pricing analyst and project manager in the pricing team to support the Financial Services Audit assessing the fair value of different ABS types (mainly RMBS, CMBS, CLOs and CDOs) for different clients audited by Deloitte;- Development of loan portfolio models – main model builder and project manager in advisory projects to create independent versions of the clients’ models, focusing on challenging the clients’ approach and identifying potential errors in their models;- Development of complex valuation models – developed and delivered a complex cash flow model for an advisory client, centred on the calculation of Mid-market and IFRS 13 fair value for inflation linked swaps. Show less

  • Manager in the Analytics and Modelling Team (Banking & Capital Markets)

    Sept 2015 - Dec 2015

  • Assistant Manager in the Analytics and Modelling Team (Banking & Capital Markets)

    Nov 2014 - Aug 2015
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  British Business Bank

  Dec 2015 - now

  - I'm responsible for the British Business Bank’s ENABLE Funding programme – which uses securitisation techniques to warehouse newly-originated SME finance receivables from different originators who lack the scale required to access capital markets. Once the structure has sufficient scale, the BBB refinances a portion of its funding on the capital markets via either private placements or public securitisations- I manage a team of 5 people in all stages of deal execution including origination and marketing (together with BBB’s Relationship Team), internal credit submissions, operational reviews, structuring and cash flow modelling to achieve the optimal credit enhancement, negotiation of transaction terms with the relevant parties, review of legal documentation, etc.- As per the ENABLE Funding programme's objectives, I'm involved in the capital markets take out phase by liaising with rating agencies, investors, bookrunners and other transaction parties- During deal execution, I provide guidance and support to originators (smaller non-bank lenders, many times unfamiliar with securitisation techniques) to set up the appropriate operational infra-structure, typical of securitisations. I also design solutions to resolve transaction issues which are non-standard, commercially sensitive or require further product development- I liaise internally and with the relevant Government departments to obtain transaction approvals- I provide support to the Operations Team in managing and monitoring live transactions post execution- Show less

  • Director

    Apr 2020 - now

  • Senior Manager at the Guarantee & Wholesale Solutions team

    Nov 2016 - Mar 2020

  • Manager at the Wholesale Solutions team

    Dec 2015 - Oct 2016