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Finance and Credit Analyst with 10+ years of financial and operational expertise
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Competencies
Performed detailed financial assessments and analysis to guide credit and operational decisions.
Evaluated and monitored customer creditworthiness, conducting risk assessments for various regions.
Handled collections, aging analysis, and payment processing for diverse accounts and portfolios.
Utilized SAP R/3, Serengeti, and other platforms for invoice processing, reconciliations, and reporting.
Maintained communication with clients and suppliers to ensure timely payments and issue resolution.
Education
Languages
Summary
Experienced analyst specializing in credit management, financial analysis, and accounts receivable with a robust history across multinational companies and regions.
Key Achievements
- Managed credit risk assessment for Latin America region, ensuring sound credit policies
- Streamlined collections and accounts receivable processes across multiple companies and regions
- Improved credit line management and reduced days sales outstanding (DSO) at Rockwell Automation
Experience
Partner / Manager
Supply chain and website administration, E-Marketing, Sales and customer service, Nationwide logistics & distribution
Bilingual Bank Agent home office
Resolution of banking matters B2C for USA customers, Resolution of banking matters B2B for customers worldwide
LATAM credit and risk assessment analyst
Financial analysis for entire Latin America region to grant appropriate credit lines for customers, Risk assessment to avoid granting credit lines to companies that may represent a loss, Back up for Regional Managers, assessing customer’s credit exposure, risk category, financial position and payment history, Credit line updates and monitor credit ratings of Coface and Serasa databases for new and existing customers, Weekly conference calls to the entire Latam region to follow up past dues and credit lines, Constant monitor and follow up of past dues in risky countries like Brazil, Argentina and Caribbean region
Collection Analyst
Collection of two major partner’s client portfolios with 400 clients total from USA, México and Europe, Monthly collection forecasts, Monthly aging analysis reports, Serengeti portal invoices upload (LEDES), Client database maintenance and aging clean up
Credit Analyst
Focus on lowering the days of sales outstanding (DSO) reduction and working capital improvement, Contact and feedback with customers regarding the payment applications, withholding taxes, discounts and sending the drafts updated to customers, Accounting and collection of inter companies past dues, Interphase MFG- Citidirect to send the draft of invoices through Citibank platform to customers for collections, Interphase Citidirect-MFG to settle and cash app of the draft of payments from customers in system, Identification and record of TED payments from customers from ITAU bank and Citibank
Credit Analyst
Analysis of financial statements to evaluate and establishment of the credit terms for new customers, Daily authorization of new customer orders analyzing the payment behavior and credit limits, to prevent risks and hold orders when necessary, Accounting of collection payments and withholding taxes, Credit reports and monthly meetings with financial managers, Daily collection and communication with customers, Analysis and cleaning up of customers’ accounts in system, Bank reconciliations
Accounts receivable and payable accountant
Grant credit limits through analysis of financial and commercial information collected from Dun & Bradstreet database, Monitor performance of customers to anticipate potential issues, recommends & implements course of remedial action and improvement programs, Credit exposure assessment, collection, payment application and new orders authorization/release on the daily basis, Provide financial and credit information to Account Managers, Perform daily collection for customers (local & Indent), manage daily order release for customers, Credit worthiness assessment and implementation of improvement policies to optimize the cash flow and the days of sales outstanding (DSO), Responsible of accounts payable (AP), making the cash application and the accounting of disbursements of all the vendors, custom brokers, transports, distributors and inter companies, On the accounting closing: calculation of the income and disbursements V.A.T. to fulfill the fiscal liabilities, as well as the bank reconciliations
Accounts Receivable analyst
Collections of local, overseas and intercompany accounts receivable portfolio, Collection forecast and weekly overdue analysis reports to Hella KG in Germany, Control and prompt detection of logistic and quality problems that lead to become past dues in clients like Ford, VW, Nissan, BMW, Mercedes Benz, GM and Chrysler, To control the price and exchange rates differences making a variation analysis informing to sales dept., Cleaning up of the retro actives in SAP applying debit and credit notes for price differences