Juan Martin Mas

Experience

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  Campiglia Construcciones

  Nov 2000 - Mar 2003

  Technical Assistant

  Administrative tasks in general, control and management of building permits before the corresponding municipal authorities. Analysis of materials required for construction and elaboration of the corresponding reports.Main achievements:-Designed and implemented a report on income and expenditure of every work to present to the management on a monthly basis-Managed to update reception and building permits before the municipality, thus implementing a well-organized process that would help to avoid future delays. Show less

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  Itaú Unibanco

  Jun 2004 - Jul 2011

  Risk Department - Senior Credit Analyst

  Credit analysis, elaboration of proposals and approval of credit applications of individuals and companies of the Retail area. Approval of applications submitted by Junior Analysts. Monthly preparation of reports for the headquarters and the local management (MIS). Supervision of credit directly approved by branch managers, verifying compliance with policies in force and approved exceptions.Skills:-Credit history analysis -Calculation and analysis of ratios-Financial statement analysis (Balance Sheet, income statement, cash flows, projected balance sheet and cash flows)-Knowledge of Central Bank of Uruguay regulations concerning credit-Credit authority to approve/reject credit applications and exceptions to the policy in force-Supervision and training of Jr. Analysts-Preparation and presentation of credit proposals for higher approval levels (Risk Director)-Significant experience in lending to operating companies-Experience in credit audits-Significant experience in the preparation/ optimization of MIS report-Monitoring of loan portfolio and detection of special cases-Experience in direct dealings with customers-Wide Knowledge of banking products-Maintenance and management of internal databases-Fluent communication with the commercial areas regarding new business opportunities and status of deals Show less

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  Merrill Lynch

  Jul 2011 - Apr 2013

  International Credit Structuring Analyst for Merrill Lynch International Bank

  The area provides support and solutions (cash management, loans and deposits) for the entire Latin American business. The office of Merrill Lynch Montevideo managed assets for more than USD 10 billion with a loan portfolio above USD 500 million.Objectives:Performed credit analysis and elaborated proposals to be further approved by the credit department in London. Provided support to the commercial areas in the item of products, systems and documentation.Skills:- Financial and credit Analysis- Portfolio and collateral analysis: bonds, equities, mutual funds, preferred shares, exchange trade funds, etc- Policy exceptions analysis: manage and mitigate associated risks- Bloomberg / BAML Research Library- Experience in Lending to operating companies- Experience with lending against concentrated debt/equity positions- Financial statements and cash flow analysis- Detection of new business opportunities through review of client´s portfolios to be discussed with financial advisors.- Maintenance fluent communication with financial advisors and credit officers in London- Experience in dealing with customers- Experience in Letters of Credit.- Assistance offered to financial advisors regarding complex bank products: Letters of Credit, aircraft and yacht financing. Show less

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  Julius Baer

  Apr 2013 - Dec 2014

  Associate Director - Credit Specialist

  Responsibilities:Managed, monitored and increased credit portfolios, performed credit analysis as well as analysis of portfolios and exceptions. Worked in the preparation of international reports, improvement of internal processes, identification of new business opportunities and the promotion of the use of products offered by the institution in the credit area. Also worked in the resolution of margin calls and provided support in the commercial areas.Regarding the transition from Merrill Lynch to Julius Baer:Coordinated and supervised the successful transfer of credit products from Merrill Lynch to Julius Baer (Switzerland) and Julius Baer (Panama) in the areas of documentation and adaptation to the credit policy of Julius Baer.In charge of local trainings regarding Bank Systems, and accounts monitoring.Promoted credit products and provided support to commercial areas from credit application to disbursement of funds.Worked with the credit department in Zurich, in all matters relating to adaptation to new lending policies, credit terms, monitoring of special cases, legal matters etc. Show less

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  Louis Dreyfus Commodities

  Mar 2015 - Feb 2016

  Senior Credit Officer

  Responsibilities:Managed, monitored and analyzed the company´s credit portfolio being in charge for business operations in Uruguay, Paraguay and Bolivia.Worked together with the commercial areas with the objective of coordinating and evaluating potential business, risks involved and benefits.Maintained frequent contact with the most important clients along the region through personal meetings in order to discuss client´s needs, business, financial and credit situation among other issues that may arise.Evaluated and coordinated refinancing requests.Main achievements:• Improved and optimized the weekly report adding information on accounts receivable, future contracts, financial loans and stocks in third party deposits helping the analysis and decision making.• Implemented regular visits to regional offices and personal meetings with clients contributing to the concretion of new businesses and credit facilities working together with the commercial area. Show less

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  Ricoh Latin America Operations Center

  Feb 2016 - Jan 2021

  Lead the corporate treasury strategy in Latin America (13 countries). Survey of processes, cash flow analysis, projections, management of cash surpluses and financing. Centralization of guarantees, FX, Hedge contracts and intercompany loans. Negotiation with financial institutions to implement financing structures for operations. Manage Banking relationships. Shared services center: feasibility, surveys, structure and implementation. Report to headquarters in Japan.• New Cash & Treasury policy implementation in LATAM, 50% account reduction, Implementation and management of the regional online banking/FX platform and reduction of banking costs.• Cash optimization: reduction of more than 20% of idle funds on each country. Investment of balances for more than USD 120MM.• Implementation of a financing program through third parties in LATAM, directly impacting the cash flow of the countries and the generation of regional cash. Show less Managed, monitored, and analyzed the company´s credit and collections portfolio which includes more than 35 authorized distributors within Latin America and the Caribbean and 13 subsidiaries in the same region. Supervised Credit Analysts and Credit Assistants.Prepared Monthly reports related to credit portfolio, account receivables and collateral status for the headquarters in Miami. Credit facilities approval, financings, collateral management, payment agreements, and collections monitoring. Managed and negotiated the credit insurance policy. Maintained frequent contact with the clients along the region focused on business evolution, credit matters, sales, collateral and financing.Participated in the company´s Business Plan preparation and subsequent monitoring. Worked with operational and strategic indicators. Show less

  • Regional Manager LATAM - Cash Management & Treasurer

    Feb 2018 - Jan 2021

  • Credit and Collections Manager

    Feb 2016 - Jan 2021
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  Marco

  Jul 2021 - now

  • General Manager

    Jun 2022 - now

  • Country Manager (Uruguay)

    Jan 2022 - now

  • Senior Credit Officer

    Jul 2021 - Jan 2022