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Paulino
Financial Risk Manager
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Competencies
Experiencia demostrada en Credit Assessment.
Experiencia demostrada en Risk Management.
Experiencia demostrada en Financial Statement Analysis.
Experiencia demostrada en Cash Flow Analysis.
Education
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Summary
Financial Risk Manager buscando nuevas oportunidades
Experience
Senior Credit Analyst
Conducted comprehensive credit assessments of corporate counterparties and high-net-worth individuals across diverse sectors, evaluating financial strength, leverage, liquidity, cash flow generation, repayment capacity, and overall creditworthiness.. Prepared credit memoranda, risk assessments, and recommendations for approval committees, supporting credit decisions for new and existing clients.. Managed and monitored portfolio exposures, credit limits, early warning indicators, and risk concentrations, identifying emerging risks and recommending appropriate mitigation actions.. Structured credit terms and reviewed collateral, guarantees, and other forms of credit enhancement in collaboration with Commercial and Legal teams, ensuring alignment with internal risk appetite.. Provided temporary coverage for credit managers.. Partnered with Finance, Legal, and Collections teams to manage overdue exposures, mitigate credit losses, and support fraud prevention.. Contributed to the development and enhancement of credit risk frameworks, facility applications, credit models, and portfolio management processes.. Delivered portfolio reporting, forecasts, and credit analysis to senior management and key stakeholders, supporting informed commercial and risk decisions.
Credit Analyst (Contract Assignment)
Supported the existing Credit & Collections operation and the transition, integration and centralization of activities from multiple WFS subsidiaries worldwide into the Credit Department in London/UK, working alongside the Business & Commercial Aviation-Credit Manager.. Conducted credit analysis of aviation, marine/yachting, corporate counterparties, and HNWIs across EMEA, Russia, and CIS markets, assessing financial strength, industry dynamics, and country risk.. Performed detailed financial statement analysis and industry research to evaluate creditworthiness and factors affecting counterparty exposure.. Supported the integrated Credit & Collections function by monitoring credit and collections exposures, credit limits, and portfolio developments, while providing operational oversight and guidance to the Collections team in support of risk management and credit decisions.. Contributed to credit policy development and redesign of credit review formats, KPI reporting, and process improvement initiatives supporting portfolio and risk management.
Credit Analyst
Managed the Iberia credit portfolio for Fuels, Asphalt, Lubricants, Basestocks & Specialties, covering Aviation, Marine, Automotive, Transportation, Construction, Manufacturing, Wind & Renewable energy, government, and financial services sectors.. Provided temporary coverage for additional regional credit portfolios, maintaining credit oversight and business continuity during colleagues’ absences.. Managed customer credit risk and exposure build-up, overseeing blocked order releases, AR and collections activities, and structured recovery actions to improve cash recovery and reduce delinquency.. Partnered with Procurement, Legal, Sales, and Finance to review and negotiate credit terms, collateral, guarantees, and AR/AP netting agreements, supporting commercial objectives and business continuity.. Managed trade credit insurance coverage, monitoring insured exposures and credit limits, liaising with the insurance provider/agency on coverage, limits, and debt recovery, and submitting weekly exposure and recovery reports.. Supported bad-debt provisions, write-off decisions, and VAT recovery claims, coordinating with Finance and relevant stakeholders to ensure appropriate accounting and recovery actions.. Conducted customer visits and stakeholder meetings to strengthen relationships, understand business requirements, and resolve credit and collections matters.. Prepared credit reports, forecasts, and KPIs for Regional Commercial and Credit senior management, supporting portfolio oversight and decision-making.
Financial Accountant
Utilized SAP, Oracle, and Coda for financial reporting, accounting process, reconciliation and workflow management.. Managed AR/AP and financial reporting processes across multinational outsourcing projects.. Performed account reconciliations, cash flow forecasting, and financial reporting, supporting operational and management requirements.. Strengthening internal controls and compliance across accounting processes.