Héctor Adolfo Gómez García

• Analyze and quantify risks in granting a line of credit for corporate and institutional clients with annual incomes exceeding CAD$ 7.9 million destined for ordinary portfolios, treasury credits, overdrafts, banking reserves, specific operations, and payroll loans. Conduct analysis and management of financial statements and projections. Evaluate collateral and payment sources.
• Perform sectorial analysis. Demonstrate knowledge and analysis of IFRS. Collection rating. Prepare and present reports to the Credit Management Committee.

Achievements:

• Participated in the development of a process for assessing the credit risk of companies served by the Office Network. These companies, due to their income levels, should be evaluated through Corporate Banking, as requested by the National Credit Management.

Financial analysis and credit risk assessment for credit allocation, including financing and collateral models. Planning, review, and control of the collection. Negotiation and conciliation of debts with defaulters. Guarantee management, legal process monitoring, and credit bureau reporting. Negotiation with entities securing commercial debts, participation in creditors' committees, and reporting to management. Key performance indicators included. Supervised staff: Analysts (3), Assistant (1).

Achievements:

• Designed and implemented a program for credit analysis and financial updates, improving execution time and financial projections for future business.
• Planned and developed a follow-up scheme for the collection management process, allowing greater efficiency.
• Achieved established goals for the area in 100% of the projected collection.
• Implemented and revised policies for the area.
• Promoted from analyst to coordinator.

Responsible for financial and administrative control of processes such as reconciliations of accounts receivable from different distribution channels (chains, wholesalers, own channel), documentary control (billing, returns, adjustments, credit notes), inventories(reception, storage, and control), cash for collections. Financial information and budget management, knowledge and application of SOX.Analysis and solutions to external and internal customer claims. Design and implementation of administrative procedures, policy control, and leadership in project planning and implementation. Personnel in charge: Coordinators (2), Analysts (4), Assistants (8).

Achievements:

• Led the restructuring project of the sales administration area to the control desk.
• Planned and implemented new Control processes and tools that allowed better results in account reconciliation and documentary review based on risk matrices (SOX).
• Cleanup of accounts receivable.

Financial analysis for credit limit approval, administration of entities that secure and guarantee commercial debts, planning and control of collections, negotiation and reconciliation of debts with defaulters. Guarantee management. Monitoring of legal processes. Organization and management of cash collections, checks, and bank transfers. Coordination of administrative, technological, and general services functions. Preparation and presentation of reports directly to Management. Personnel in charge: Analyst (1), Assistant (2), Messengers (2).

Achievements:

• Reduced days accounts receivable turnover from 79 to 42 days.
• Organized, reconciled, and purged the portfolio of over CAD$1.7 million and 800 clients.
• Improved portfolio management indicators.
• Implemented, coordinated, and applied credit policies.
• Formalized credit limits by 90%, as they were initially at 50%.
• Reduced credit approval response time from 25 to 5 days.

Planning, coordination, control, and optimization of national and international portfolios. Negotiation and reconciliation of difficult-to-collect accounts. Analysis and approval of credit requests, preparation of management reports according to ISO standards, and development of projects, programs, and activities related to the position. Personnel in charge: Assistant (1).

Achievements:

• Created and formed the credit committee.
• Administrative organization of the portfolio department.
• Established policies and parameters in credit analysis to reduce risk.
• Reduced doubtful debt portfolio, placing it