Gustavo Santiago
Vancouver,BC
Summary
Adept Credit Analyst with a proven track record at Petronas Lubricants, showcasing expertise in financial statement analysis and project management. Demonstrates exceptional interpersonal skills, facilitating effective collaboration with teams and stakeholders. Known for making data-driven decisions that enhance operational efficiency, with a significant focus on achieving results through sound judgment and trend analysis.
Overview
4
4
years of professional experience
Work History
Senior Credit Analyst
Petronas Lubricants
12.2023 - 06.2024
- Analyzed financial statements and income statements to assess and calculate financial risk for clients and potential clients across the Americas, ensuring compliance with company policies and guidelines.
- Verified stakeholder information through regulatory bodies and supported decision-making using Dun & Bradstreet (DnB).
- Managed client records and payments within SAP, ensuring accuracy and compliance with internal controls.
- Issued and managed invoices, monitored credit guarantees, and structured loan agreements to mitigate financial risks.
- Monitored and managed budgets for credit, risk, governance, and compliance areas, contributing to portfolio performance goals.
- Led continuous improvement projects using 5S and Kaizen methodologies, driving operational efficiency and reducing the analysis time in 66% (from 3 to 1 business days).
- Collaborated with cross-functional teams to streamline credit approval processes.
Commercial Representative
Morlan
03.2023 - 11.2023
- Conducted financial analysis and billing assessments using SAP to evaluate client creditworthiness and negotiate contract terms.
- Successfully prospected new clients via phone and email, expanding the client base and driving revenue growth.
- Created detailed financial reports and dashboards using Excel and Power BI, enhancing data-driven decision-making processes.
Credit Analyst
Inter Bank
09.2020 - 03.2023
- Performed detailed credit analysis for individuals and businesses, with a focus on understanding customer credit history and evaluating assets to determine loan affordability.
- Mapped and optimized credit evaluation processes, significantly improving the service level agreement (SLA) within the department.
- Worked closely with Sales and Operations teams to manage risk and ensure all approval stipulations were met.
- Developed and maintained strategic indicator reports and dashboards in Power BI, providing insights into key performance metrics.
- Analyzed international credit proposals, ensuring alignment with global risk management standards.
Education
Bachelor In Industrial Engineering - Industrial Engineering
Pontificia Universidade Catolica
Belo Horizonte, MG, Brazil 07.2020
Skills
- Strong interpersonal and communication skills, capable of collaborating effectively with cross-functional teams
- Proficiency in analyzing financial statements, ratios, and cash flow
- Experience managing credit-related projects from initiation to completion
- Expertise in 5S, Kaizen, and Agile methodologies to drive continuous improvement
- Microsoft Office: Advanced skills in Excel (including data analysis and financial modeling), Word, and PowerPoint
Languages
English
Full Professional
Portuguese
Native or Bilingual
Spanish
Limited Working
Volunteering
Senior Digital Literacy Program
June to December 2015
Led and coordinated a volunteer project focused on improving digital literacy among senior citizens. Conducted hands-on training sessions where elderly participants were taught how to use computers, navigate the internet, manage emails, utilize social media platforms, and perform effective Google searches. Developed tailored lesson plans to ensure a patient, supportive learning environment that catered to the unique needs of each participant.
Timeline
Senior Credit Analyst
Petronas Lubricants
12.2023 - 06.2024
Commercial Representative
Morlan
03.2023 - 11.2023
Credit Analyst
Inter Bank
09.2020 - 03.2023
Bachelor In Industrial Engineering - Industrial Engineering
Pontificia Universidade Catolica
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