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Finance and Management Expert with 15+ years in Banking and Social Projects
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Competencies
Performed evaluation of financial statements, credit criteria, and portfolio management across multiple financial institutions.
Managed teams, coordinated logistics, and supervised staff to ensure efficient operations in banking and export sectors.
Ensured adherence to World Bank guidelines and national regulations in social projects and financial institutions.
Designed operational, administrative, and financial structures to support sustainability and project viability.
Utilized tools like Power BI, SPSS, and reporting software for data analysis and decision support.
Education
Languages
Summary
Experienced in banking, social welfare projects, and organizational management, with a focus on compliance, strategic planning, and financial analysis.
Key Achievements
- Reviewed and monitored credit operations and collateral quality at Banco de Fomento a la Producción
- Ensured compliance with World Bank standards and improved operational manuals for social welfare projects
- Directed financial and operations assessments, developing strategic plans and operational manuals for diverse organizations
Experience
Technical Assistant Consultant
Responsible for monitoring the credits granted to intermediaries with the BFP funds and the trust funded by the Inter-American Development Bank (on-site visits), Corroborating the quality and status of the guarantees pledged as collateral, Reviewing the different reports and effectiveness of the software use, Reviewed of the supporting documentation of the credits to verify their validity and relevance, Informed general management of any sign of weakening in the recovery capacity of the financing granted.
Compliance Auditor
Responsible of assuring full compliance of the operations of the Project for Social Welfare supported by the World Bank, Perform Visit to the countryside offices of the project to guarantee the correct implementation of the regulations and protocols approved and required by the World Bank, Responsible for the observance of the World Bank working standards and guidelines regarding the welfare of the kids who are recipients of the PSF, Updating the Operating Manual and performing general support to zonal supervisors in the field and the Central Coordination in Managua, Performed Supervisor task of a crew of 6 members in the evaluation survey of the PSF in the countryside of Nicaragua in order to attain feedback to assess the social impact in poor families that were benefited by the PSF, Developed report to the MIFAN coordinator and trained the surveyors in order to assure full compliance with the requirements of the World Bank and the MIFAN.
Financial Management & Operations Management Consultant
Evaluation of portfolio and process of information flow, Analyzed criteria of Customer Service and Public Relations, Credit, Eligibility, Interviews with customers of different types of services (Mortgages, personal and commercial), Weighted Credit Eligibility Criteria, Prepared recommendations to reduce Loans & Grants portfolio (Credits Activity) affected by Bad Debts and Savings, Helped to implement measures which enable cooperatives-Credit Unions (MFIs) to be eligible for funds broker, Review of accounting records and Financial Statements and performed respective Format Standardization established under the Single Manual of Accounting (M. U. C.) by SIBOIF (Superintendence of Banks or Other Financial Institutions) and implementation of Generally Accepted Accounting Principles, Preparation of strategic plans and Annual Operating Plans, Preparation of operating manuals, Control, Credit Policies, and Information Flow according to Hierarchical levels and Functions to facilitate effective functioning in their financial activities, Preparation of Financial Productive Plans.
Financial consultant
Oversee the accounting process and records, Analyzed the Financial Statements and prepares the organization Budget, Implemented Measures that enabled the organization to become eligible to be granted loans, Developed statistical instruments that secure financial sustainability, Assisted in the observance of the General Accepted Accounting Principles, Analysis of Portfolio (loans to associates), Assisted the Cooperative to implement the recommendations of the External audits.
Project Financial Feasibility Consultant
Designed Organizational financial structures for companies and projects related to social purposes (community organization), Preparing manual for operational and administrative functioning that guarantee financial viability and continuous operations of projects, Oversaw purchase of furniture and office supplies, Developed training programs aimed to enable persons involved in running those projects, Prepared and oversaw Actions Plans to achieve goals and cope with operating weaknesses.
General Manager
Performed all Management and Controller tasks, Ensured the harmonious performance of all the departments of the institution, Prepared sales action plan and follow-up results; perform sales calls, Prepared Budget and revised Financials Statements (Cash Flow, General Balance, P&L, etc.), Payroll revision and authorization, Coordinated logistics services to producers and exporters of commodities, Managed, evaluated and supervised 10 employees, plus 60 indirect workers.
Sales Manager
Developed marketing strategies and conducted result analysis, Transformed statistical data into charts for presentation to the New Jersey Sales Division and the Country Manager, Performing Sale calls to producers and exporters of commodities, Promoted sales and gathering competition information.