Katherine Aguilar Mena
Senior Financial Operations Analyst
Heredia,Costa Rica
Summary
Financial Operations Analyst with over 10 years of experience in managing loan administration, disbursements, billing, collections, and financial reporting at international and regional financial institutions. Proven skills in process optimization, workflow efficiency, and adherence to governance and risk management frameworks. Experienced in supporting multi-currency financial projects across Latin America and the Caribbean, including origination, registration, and supervision of loans, guarantees, and other financial products. Skilled at coordinating with internal teams, borrowers, co-lenders, and financial institutions to ensure compliance with contractual obligations. Strong analytical, organizational, and communication skills, with a track record of mentoring junior colleagues, maintaining client satisfaction, and ensuring accurate reporting and data integrity.
Overview
18
18
years of professional experience
2
2
Languages
Work History
Senior Financial Operations Analyst
Inter-American Development Bank (IDB)
10.2021 - Current
- Manage and execute operational activities related to billing, disbursements, collections, guarantees, UCPP, prepayments, and WAC linked to contractual changes.
- Act as approver of financial transactions (disbursements, payments, WAC, etc.) in ACBS, ensuring accuracy and compliance with contractual obligations.
- Support project origination by reviewing loan agreements, waivers, amendments, and other legal documentation; record commitments and contractual terms in the loan administration system.
- Coordinate with Finance colleagues to address contract deviations and ensure proper registration of projects financed with IDB resources.
- Conduct monthly and quarterly controls, including CECL validations, reconciliation of cash vs. payments received..
- Contribute to the automation of CECL-UCPP's manual reporting in Power BI, enhancing data integrity, reducing operational risk, and improving efficiency.
- Prepare and validate quality control reports to monitor the correct execution of transactions and compliance with loan documentation, serving as part of the Quality Assurance team.
- Lead the preparation of Statements of Cross-Booked Transactions, including debt securities, trust funds, and ORC, in collaboration with Finance.
- Support the implementation of institutional initiatives such as the Automatic Payment Applications project and other capital projects.
- Act as a point of contact in Costa Rica, fostering collaboration and knowledge-sharing through the training of new analysts and coordination with other business units.
Financial Analyst
Coopenae R.L
08.2020 - 10.2021
- Conducted financial analysis and formalized personal and mortgage loans.
- Managed insurance, savings, and investment products for corporate and individual clients.
- Strengthened credit evaluation processes by improving documentation and verification efficiency.
Senior Credit Process Officer (SMEs, SBD, Corporate)
BAC San José
06.2012 - 11.2019
- Led approval and administration of SME and corporate credit processes, ensuring compliance with SUGEF 1-05/7-06 regulations.
- Reviewed and validated legal documentation (mortgages, promissory notes, guarantees, policies).
- Structured and monitored credit lines, working capital loans, and guarantees of participation.
- Collaborated with internal and external stakeholders to streamline processes and reduced errors in documentation.
International Department
BAC San José
12.2007 - 06.2012
- Verified letters of credit and standby instruments for international transfers.
- Ensured compliance with international financial regulations.
- Communicated with clients and global financial institutions to resolve discrepancies and guarantee timely execution.
- Collection of letters of credit and execution of credit documents.
Education
Bachelor's Degree - Business Administration, Banking and Finance
Universidad Hispanoamericana
05-2021
Skills
Financial Operations & Accuracy – Manage disbursements, collections, and loan administration processes while ensuring compliance with contractual and governance standards
Timeline
Senior Financial Operations Analyst
Inter-American Development Bank (IDB)
10.2021 - Current
Financial Analyst
Coopenae R.L
08.2020 - 10.2021
Senior Credit Process Officer (SMEs, SBD, Corporate)
BAC San José
06.2012 - 11.2019
International Department
BAC San José
12.2007 - 06.2012
Bachelor's Degree - Business Administration, Banking and Finance
Universidad Hispanoamericana
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