Joana Sylos

Experience

• 

  Credendo

  Sept 2019 - Jun 2024

  - Analysis of short-term risks relating to international trade transactions, considering financial analysis, country and sector risks.- Specialized in the oil sector and construction/mining sector in Africa.- Management of key-accounts and risks ; complex and special transactions.- Management of high exposure on large groups- Making proposal to different Committees (Credit, Executive and Group Underwriting Committees)- Daily communication with clients and brokers; finding satisfying tailor-made solutions and building a long-term relationship.- Decision power of 2M EURPart of ESG Team: Analysis of ESG aspects relating to specific debtors and/or groups. Show less

  • Credit Risk Underwriting Specialist

    Apr 2022 - Jun 2024

  • Credit Risk Underwriter

    Sept 2022 - Oct 2022

  • Credit Risk Underwriter

    Sept 2017 - Apr 2022

  • Credit Risk Underwriter

    Sept 2019 - Nov 2019
• 

  TotalEnergies

  Jun 2024 - now

  Credit Team Manager Refining & Base Chemicals Europe

  Lead a team of three credit analysts to ensure an effective credit policy that balances risk and business objectives while optimizing the company’s working capital requirements.- Organize and manage the team’s workflow while providing mentorship, leadership and guidance. - Review and validate client financial analyses prepared by credit analysts to develop an accurate credit policy on potential and existing customers. - Optimize the company’s working capital requirements through factoring program and supply chain financing. - Supervise the receivables factoring program, covering multiple subsidiaries within the group, while managing and supporting the team responsible for its implementation and operations.- Build and maintain strong relationships with external partners, including banks, credit insurers, and brokers, as well as internal stakeholders.- Oversee and prepare different financial reports, including working capital optimization and credit reports, providing insights to senior management. - Actively participate in credit committees with different business units to support risk management and decision-making. Show less