Daniel Ferrer, CTP

Experience

• 

  Banco Mercantil

  Apr 2003 - May 2008

  • Managed branch sales and operations to ensure excellent quality costumer service• Developed relationships with new and existing clients by creating and executing sales plans• Managed credit risks and provided analysis, recommendations and approval on loan applications as per credit policy • Developed and maintained relationships with commercial clients assisting with daily banking needs to exceed sales goals and increase revenue for the branch • Prepared and assessed credit applications to mitigate potential loses and complying with risk policy

  • Branch Manager

    May 2006 - May 2008

  • Account Manager

    Apr 2003 - Apr 2006
• 

  Scotiabank

  Dec 2008 - Jun 2011

  • Performed annual and interim reviews of all credit and risk reporting• Prepared customers financial spreads, budgets, forecasts, cash flow reports and financial analysis• Lead group of four portfolio analysts and support their daily tasks and development through coaching• Managed commercial relationships with clients to mitigate financial reporting issues and ensure customer satisfaction • Monitored, audited and evaluated customer’s accounts and products to ensure credit and contract compliance • Reviewed and approved customer’s Borrowing Bases & Financial Statements spreads Show less • Developed and maintained a comprehensive knowledge and understanding of commercial products and services for all market segments (Oil & Gas, Franchises and Commercial)• Prepared financial risk assessments and business opportunities for Commercial Accounts• Reviewed and actioned daily overdrafts reports and significant transactions reports • Reviewed cost structure and budget of commercial clients to be submitted for credit approval • Supported annual credit reviews for complex accounts by preparing financial statement spreads Show less

  • Senior Client Portfolio Analyst

    Jan 2010 - Jun 2011

  • Client Portfolio Analyst

    Dec 2008 - Dec 2009
• 

  ATB Financial

  Jun 2011 - now

  * Generate revenue through the effective commercialization of cash management and payment products & channels which enable the sales and service teams to diversify revenue and strengthen our balance sheet to secure ATB’s future.* Develop and build effective relationships with internal and external partners to support the attainment of ATB’s strategic goals.* Maintain and build industry expertise, leveraging superior networks and insights to manage the external merchant acquirer relationship and new system/platform migrations that impact ATB’s business customers. * Create business payment product & channel risk profiles to address all operational, transactional, regulatory and compliance, financial and liquidity, AML and sanction, and cybercrime risks.* Manage the processes, infrastructure and resources needed to deliver agreed team plans and targets, identifying and implementing improvements and collaborating with colleagues to maximize end to end integration, effectiveness and efficiency Show less • Design and support implementation of Business Strategies related to Deposits and Other Income.• Report to Executives on the performance of different strategies and initiatives• Manage Data and Metrics relevant to different Business Strategies and Initiatives• Leverage SAP and Market Data and Research to understand customer and product trends • Manage Pricing for Deposit Products • Create Insights and Analytics for different aspects of the business • Use quantitative and qualitative data to evaluate business performance • Continually find new ways to optimize the business balance sheet• Forecast Deposit Balances and validate budgeted growth• Develop and deliver pricing motions and business cases to the Pricing Steering Committee for approval Show less • Prepared loans and deposit forecast and recommendations for the monthly Assets and Liabilities Steering Committee Meeting.• Prepared business cases for new products, promotions and pricing changes • Modeled pricing for existing and new deposit products to evaluate financial impacts of different scenarios.• Defined KPIs, reporting and analytics to evaluate operational and financial results of current products and promotions. • Managed the strategies and operations of the Consultative Pricing Group and GIC Pricing Desk• Supported other business units with ad-hoc analysis of market trends, customer behavior and market segmentation.• Designed, mapped and coordinated the implementation of new processes related to promotions and packages for deposit accounts; cash management services and fixed date deposits • Created and maintained Job Aids and Manuals related to pricing implementation in SAP • Be Subject Matter Expert (SME) on issues related to deposit pricing strategies and processes• Provided guidance and coaching to stakeholders around deposits and cash management pricing process Show less • Prepared loans and deposit forecast and recommendations for the monthly Assets and Liabilities Steering Committee Meeting.• Prepared business cases for new products, promotions and pricing changes • Modeled pricing for existing and new deposit products to evaluate financial impacts of different scenarios.• Defined KPIs, reporting and analytics to evaluate operational and financial results of current products and promotions. • Managed the strategies and operations of the Consultative Pricing Group and GIC Pricing Desk• Supported other business units with ad-hoc analysis of market trends, customer behavior and market segmentation.• Designed, mapped and coordinated the implementation of new processes related to promotions and packages for deposit accounts; cash management services and fixed date deposits • Created and maintained Job Aids and Manuals related to pricing implementation in SAP • Be Subject Matter Expert (SME) on issues related to deposit pricing strategies and processes• Provided guidance and coaching to stakeholders around deposits and cash management pricing process Show less • Led projects affecting pricing and product design of Deposit Accounts and Cash Management Products• Developed insights and analytics using SAP Business Warehouse and CRM to understand customer behavior• Act as Subject Matter Expert (SME) on pricing and SAP programming• Completed market intelligence analysis for Products and Pricing Director• Advised Business Managers on Funds Transfer Prices (FTP) and spreads for Money Market Instruments.• Created reports to provide comments and analysis on movements, trends and profitability of competitor’s offers and internal products Show less • Conducted credit analysis on deposit pricing requests in a timely manner• Managed the business banking pricing matrix, pricing tables and reports.• Coordinated with Treasury to understand and track market yield trends and other variables such as money market rates, prime rates and other market rates.• Promoted awareness and reported to the Executive Team changes in competitive market factors that impact credit and deposit product pricing• Coached personnel in determining appropriate pricing and revenue / spread of products and services• Evaluate business unit pricing and profitability at the corporate level and customer level. 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  • Senior Director - Payments, Cards and Liquidity

    Jun 2021 - now

  • Director - Payments, Cards and Liquidity

    May 2019 - Jun 2021

  • Senior Manager Optimization and Data Analytics

    Jan 2018 - Apr 2019

  • Senior Manager Consultative Pricing

    Aug 2016 - Dec 2017

  • Manager Consultative Pricing

    Jun 2013 - Jul 2016

  • Senior Business Analyst

    Nov 2011 - May 2013

  • Pricing Analyst

    Jun 2011 - Nov 2011