Experience

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  Banco de chile

  Nov 2010 - Dec 2012

  Banking relationship manager

  • Responsible for a commercial portfolio of the branch.• Financial advice to clients from different industries. • Economic evaluations of client projects. • Direct report to branch manager

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  Corpbanca

  Dec 2012 - Jun 2014

  Real estate and construction credit risk senior analyst

  • Analysis of long and short term project financing• Oversee financial analyst done by junior analyst.• Development of monthly reporting to the board.• Direct report to the area VP.

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  Banco santander

  Jun 2014 - Jun 2016

  Credit risk analyst global corporate banking

  • Management of client portfolio through evaluation, control and monitoring, maintaining credit risk within the parameters established by the Bank and making it compatible with the commercial goals of profitability and growth.• Provide support and advice to the commercial area in the structuring and presentation of new businesses, based on a well-founded opinion in the different instances of the committee.• Analysis of long and short term financing for large corporations.• Evaluation of projects to be finance by the bank.• Responsible to elaborate and present projects to the bank’s board. • Responsible for monthly reporting of companies in the portfolio for high management.• Reporting to area VP Show less

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  Scotiabank

  Jul 2016 - now

  • Manage of portfolio of high net worth (over usd 3M) and ultra- high net worth (over usd 25M) clients, to maximize revenues and meet business targets, while mitigating credit risk.• Actively market customized Private Banking solutions and sophisticated lending and risk management solutions.• Design strategic sales plans for prospects and existing customers.• Effectively assist in the supervision and development of International Private banking Associates and/or Trainees to meet the immediate needs of the Centre and longer term requirements of the Bank.• Team lead Show less • Formulate and prepare credit proposals to be presented to the corporate credit area (new business, annual reviews, etc.).• Analysis of the client's financial and commercial information, together with the types of risk associated with the business.• Make credit recommendations in uncertain scenarios (projections) with adequate structuring and risk mitigation.• Ensure compliance with both internal credit regulations (credit policies) and external (SBIF), in order to minimize the risks associated with the granting of credits.• Respond to local or international credit committees (Toronto).• Perform periodic measurements of compliance with internal and contractual financial covenants of clients of the Corporate Banking portfolio.• Team lead• Direct report to the area Director Show less • Administration of the assigned corporate credit and financial institutions portfolio to assure that entities risk remains within the banks desire bands• Perform recommendations to award new credits & yearly reviews of credit exposure of entities to assure that defined exposure remains in the levels assigned by the bank.• Train analysts in the preparation of presentations, financial and market analysis to facilitate the evaluation of credits.• Proficient with managing the relationship between local and head office, in Toronto, with regards to credit presentations that need their approval and follow up quality monitoring of these transactions• Direct report to the area Director Show less • Ensuring credit applications are properly, accurately and completely investigated, analyzed and documented in relation to Bank policies and procedures;• Consistently exercising credit judgment in approving and declining credit applications within established limits• Presenting recommendations on credit requests above established limits,• Oversees an assigned portfolio, monitors unsatisfactory trends in risk ratings, credit conditions, overdue reporting, annual reviews etc., and initiates corrective action.• Ensures Credit requests are adjudicated promptly, efficiently and consistently.• Maintains a current awareness of the Bank's loan policies, economic and business trends.• Restructures credit requests as necessary to make bankable deals in line with Bank policy and guidelines. Negotiates with Private Bankers and Private Banking Unit Heads to ensure credit terms and conditions are appropriate to ensure sound risk selection and that client needs are met• Reporting to area Senior Manager. Show less

  • International Wealth Manager & Team Lead

    Mar 2022 - now

  • Project Lead

    Apr 2023 - Jun 2024

  • Corporate Credit Solutions Senior Manager & Team Lead

    Aug 2019 - Mar 2022

  • Corporate Credit Risk Senior Manager

    Jun 2018 - Aug 2019

  • Real Estate & Construction Credit Risk Manager

    Jul 2016 - Jun 2018
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  Lottawork

  Apr 2020 - Aug 2022

  Co-founder & board director

  Services Marketplace, Acquired by Edipro- Digital platform that connects the community with people/companies that offer and demand service.- Contribute to the shareholders meeting in the main strategies to be carried out, such as management, administration, sales and financial of the company.