Summary
Overview
Work History
Education
Skills
Languages
Certification
Timeline
Generic

Carolina Herrera Gutiérrez

San Jose

Summary

Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Mainly my area of performance has been in the banking field, I have considerable experience in the financial analysis of companies, management of recovery of accounts in judicial collection and processes of investigation and estimation of bank portfolios. Experience as a supervisor in the collection management, ensuring the prompt recovery thereof, always ensuring compliance with policies and procedures established for the area of credits according to deadlines and limits established in the different business units, whether business or banking. Ability to ensure compliance with established service indicators. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. I currently have more than 3 years of experience in credit analysis in the productive and consumer sector for Cargill in the USA (salt and eggs).This credit analysis is for high-level global companies and the amounts of credit authorized to me are between $100k and $1.0M.

Overview

21
21
years of professional experience
1
1
Certification

Work History

Senior Credit Risk Analyst

Cargill
12.2022 - Current
  • Mentored junior analysts, fostering a culture of continuous learning and professional development within the team.
  • Streamlined the loan approval process for faster decision-making, enhancing customer satisfaction.
  • Conducted detailed industry research to identify emerging risks and recommend appropriate mitigation strategies.
  • Reduced portfolio delinquency rates through stringent monitoring of credit policies and procedures.

ML Data Associate I

Amazon
07.2022 - 12.2022
  • Helps in maintaining stow quality at the fulfillment center.

Financial Advisor

Very Smart Investment
09.2008 - 05.2022
  • Answering the owner questions about financial plans and strategies and giving him financial advices.
  • Educated clients on various financial matters and provided professional recommendations on investment opportunities, products, and services based on each clients' individual needs.
  • Built strong relationships with clients, fostering trust and loyalty in managing their financial portfolios.

Credit Analyst Junior Business Banking

Scotiabank
04.2005 - 08.2008
  • Analysis and verification of the accounting information of the applicant companies, of any loan or credit line
  • Credit review of the client and its global exposure within the Bank in different departments
  • Forward projection of financial statements, debt payments projections
  • Validation of the requirements of the Bank and Sugef for the respective authorization of such credits
  • Field investigation and confirmation of the information submitted by the applicant company
  • Submission of a proposal to the Credit Committee and Risk Department for appropriate analysis and approval.

Judicial Collections Supervisor

Banco Interfín
04.2003 - 03.2005
  • Management of recovery of accounts in judicial collection, auctions, judicial processes, catches movable property and taking possession of immovable property
  • Judicial proceedings in conjunction with the external lawyers of the Bank, review and supervision of each judicial process and the liquidation of the same once the processes have been completed.

Education

MBA - Finance

Universidad Latina De Costa Rica
San Jose, Costa Rica
03.2015

Skills

  • Portfolio Management
  • Data Analytics
  • Credit decisions
  • Credit risk
  • Verbal and written communication
  • Microsoft Excel proficiency
  • High risk account reviews
  • Risk Assessment
  • Credit analysis
  • Financial statement analysis

Languages

Spanish
Native language
English
Advanced
C1

Certification

  • Certified Six Sima Yellow Belt.
  • CLAP (Cargill Lean Awareness Program)
  • Leadership and Emotional Intelligence in Organizations Workshop. INCAE

Timeline

Senior Credit Risk Analyst

Cargill
12.2022 - Current

ML Data Associate I

Amazon
07.2022 - 12.2022

Financial Advisor

Very Smart Investment
09.2008 - 05.2022

Credit Analyst Junior Business Banking

Scotiabank
04.2005 - 08.2008

Judicial Collections Supervisor

Banco Interfín
04.2003 - 03.2005

MBA - Finance

Universidad Latina De Costa Rica
Carolina Herrera Gutiérrez