Experience

• 

  Southern puerto rico chamber of commerce

  Jul 2001 - Jun 2005

  Internal accountant

  • Prepared and analyzed financial statements.• Managed major accounts such as Payroll, Account Receivables and Payables.• Assisted the external auditor by coordinating the audit and answering their questions• Prepared and provided monthly reports to the Board of Directors• Coordinate and prepare the annual budget.• Work with Board of Directors to identify potential opportunities to increase revenue through membership fees and sponsors.• In charge of inventory control.• Coordinated several aspects of the Chamber of Commerce annual convention including registration and control of tickets; assistance to exhibitors and performance reporting Show less

• 

  Prime janitorial service corporation

  Jul 2005 - Feb 2008

  Accountant

  • Prepared and analyzed financial statements to Board of Directors.• Managed major accounts such as payroll, account receivables and payables• Assisted the external auditor by coordinating the audit and answering their questions• Provide weekly and monthly reports to the President.• Job Cost Reports.• Responsible for Inventory counts and control.• Prepared and gave presentations to potential customers.

• 

  Firstbank

  Mar 2008 - Feb 2024

  • Analyze credit portfolio vintages, probability of default and expected losses and various adhoc analyses. • Perform and review monthly credit indicators along with forecast and variance analysis.• Review credit portfolio profitability, identify and manage concentration of risk and provide recommendations to the business units (interest rates to cover expected losses, commercial and operational strategies, among others).• Prepare monthly credit trends presentations to upper management and FDIC as well as quarterly credit trends presentation for the Board of Directors.• Maintenance and annual review of the consumer credit policies.• Manage and control the consumer credit decision engine (changes in policy, manage decision flows, rulesets and data tables for the underwriting automatic process).• Work with Underwriting, Collections, Business and Operating Units in establishing and maintaining goals.• Liaison on the unit for audits under the Mortgage, Auto, Consumer Loans and Credit Cards Portfolios (Internal Auditor, External Auditor, Loan Review, FDIC, CFPB, among others).• Prepare annual risk indicators budget for the mortgage, auto, consumer loans and credit cards Portfolios.• Work closely with the business units to prepare the annual strategic commercial plan for the consumer loans and credit cards Portfolios.• Review and assess pre-screening campaigns for consumer loans and credit cards.• In charge of unit’s Technology projects (replacement of automatic credit decision engine, replacement of system that connects to credit bureau agency, improvement of credit applications tool). Show less • Supervised a staff of eight employees.• Responsible for the portfolio management and growth of deposit accounts, commercial loans, consumer loans and credit cards• Increased branch deposits from a base of $30MM to $102MM . • Responsible of monthly commercial goals (Commercial Loans, Consumer Loans, Deposit Accounts, Credit Cards, P.O.S., Mortgage Originations, Annuities, and Open Market Products).• Managed Loan Delinquency Accounts.• Reviewed customer activities to ensure compliance with FDIC, State and Federal laws and regulations. Show less • Portfolio and Profitability Analysis of the Branches and Customers of the Bank.• Distribution and assignment of Commercial Goals to Branch Personnel.• Daily update report of Commercial Goals to Commercial Director.• Prepared Presentation for the Monthly Meeting of Managers.• Prepared Excel Forms and Reports to automate and facilitate information for Managers Regional Directors and Commercial Director: - Commercial Goals Tracking - Manager Action Planning and Results - Loan Delinquency and Default Reports - Branch and Portfolio Analysis thru data mining, among others Show less

  • Portfolio Risk Analyst

    Oct 2015 - Feb 2024

  • Branch Manager

    Apr 2013 - Sept 2015

  • Commercial Analyst

    Mar 2008 - Mar 2013
• 

  Luma energy

  Feb 2024 - now

  Senior financial risk analyst