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Financial / Credit Analyst Resume Example

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FINANCIAL / CREDIT ANALYST
Experience
Financial / Credit Analyst, 01/2017 to 03/2019
Houston, Texas
  • Apex Systems/ Energy: Short term contract work, business retail credit analysis.
  • Academy Sports and Outdoors: Customer service, retail stocking, returns, and merchandising.
  • Courses: Credit, Commercial Lending, Demand Planning, Multi-Logistic Regression, and Data Manipulation.
Credit Manager, 03/2004 to 10/2016
ENGIE NORTH AMERICA – Houston, Texas
  • Produced complex financial analysis, creditworthiness, and risk exposure for major capital expenditures and operational costs loans.
  • Provided solid communications with management, and clients in large contracts of energy infrastructure.
  • Recommended over $4.5 billion credit limits for procurement and sales of energy contracts.
  • Increased contract sales for $3.0 billion, approval spending for capital expenditures, asset construction for $3.0 billion, and finance project investment for over $4 billion in North America.
Project Financial Analyst, 03/2001 to 03/2004
  • Developed annual cash budget, and five year plan forecast with adequate departmental coordination.
  • Evaluated market solutions of power development financings contracts.
  • Made assessment of liquidity, cash flows, and returns, to help raise $2.5 billion in equity and debt.
  • Promoted raise $600 million corporate loans, $400 million project debt, and $2 billion equity.
Corporate Finance Manager, 04/1997 to 08/2000
PICHINCHA CASA DE VALORES – Quito, Ecuador
  • Supervised a group of professionals on investment banking for debt placement and repayment studies.
  • Prepared over 30 cash flow analysis and debt studies in projects up to $50 million each.
  • Made assessment of financials over a dozen industries from agro-industry, chemicals, food, and retail companies, to hospitality, entertainment, banking, and financial institutions.
Work History
Financial / Credit Analyst, 01/2017 to 03/2019
Houston, Texas
  • Apex Systems/ Energy: Short term contract work, business retail credit analysis.
  • Academy Sports and Outdoors: Customer service, retail stocking, returns, and merchandising.
  • Courses: Credit, Commercial Lending, Demand Planning, Multi-Logistic Regression, and Data Manipulation.
Credit Manager, 03/2004 to 10/2016
ENGIE NORTH AMERICA – Houston, Texas
  • Produced complex financial analysis, creditworthiness, and risk exposure for major capital expenditures and operational costs loans.
  • Provided solid communications with management, and clients in large contracts of energy infrastructure.
  • Recommended over $4.5 billion credit limits for procurement and sales of energy contracts.
  • Increased contract sales for $3.0 billion, approval spending for capital expenditures, asset construction for $3.0 billion, and finance project investment for over $4 billion in North America.
Project Financial Analyst, 03/2001 to 03/2004
  • Developed annual cash budget, and five year plan forecast with adequate departmental coordination.
  • Evaluated market solutions of power development financings contracts.
  • Made assessment of liquidity, cash flows, and returns, to help raise $2.5 billion in equity and debt.
  • Promoted raise $600 million corporate loans, $400 million project debt, and $2 billion equity.
Corporate Finance Manager, 04/1997 to 08/2000
PICHINCHA CASA DE VALORES – Quito, Ecuador
  • Supervised a group of professionals on investment banking for debt placement and repayment studies.
  • Prepared over 30 cash flow analysis and debt studies in projects up to $50 million each.
  • Made assessment of financials over a dozen industries from agro-industry, chemicals, food, and retail companies, to hospitality, entertainment, banking, and financial institutions.
Education
Intermediate Accounting II and Advanced AccountingUNIVERSITY OF HOUSTON
CHARTERED FINANCIAL ANALYST PROGRAM (CFA): Passed Levels I and II exams.
Master of Science: Agricultural EconomicsMICHIGAN STATE UNIVERSITY
Master of Science: FinanceWALSH COLLEGE OF ACCOUNTANCY BUSINESS ADMINIST
Bachelor of Arts: Finance AdministrationMICHIGAN STATE UNIVERSITY
Summary
Professional expert with proven record in financial and credit management within a multinational energy company, and investment banking background inside of a large corporation overseas.
Highlights
  • SAP, SPSS, TSP, Tableau, Quick Books, Microsoft Office, and Advanced Excel.
  • CORE COMPETENCIES
  • Budgeting / Cash Flow
  • Performance Analysis
  • Complex Financial Analysis
  • Team Building
  • Communication skills
  • Planning and Organization
  • Banking, Tableau
  • Budgeting
  • Budget
  • Capital expenditures
  • Cash flow analysis
  • Cash Flow
  • Commercial Lending
  • Communication skills
  • Contracts
  • Credit
  • Credit analysis
  • Clients
  • Customer service
  • Equity
  • Finance
  • Financials
  • Financial
  • FINANCIAL ANALYST
  • Financial Analysis
  • Investment banking
  • Team Building
  • Market
  • Merchandising
  • Excel
  • Microsoft Office
  • Performance Analysis
  • Procurement
  • Quick Books
  • Retail
  • Sales
  • SAP
  • SPSS
Skills
  • SAP, SPSS, TSP, Tableau, Quick Books, Microsoft Office, and Advanced Excel.
  • CORE COMPETENCIES
  • Budgeting / Cash Flow
  • Performance Analysis
  • Complex Financial Analysis
  • Team Building
  • Communication skills
  • Planning and Organization,
  • Banking, Budgeting, budget, capital expenditures, cash flow analysis, Cash Flow, Commercial Lending, Communication skills, contracts, Credit, credit analysis, clients, Customer service, equity, finance, financials, financial, FINANCIAL ANALYST, Financial Analysis, investment banking, Team Building, market, merchandising, Excel, Microsoft Office, Performance Analysis, procurement, Quick Books, retail, sales, SAP, SPSS, Tableau
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    Resume Overview

    Companies Worked For:

    • ENGIE NORTH AMERICA
    • PICHINCHA CASA DE VALORES

    School Attended

    • UNIVERSITY OF HOUSTON
    • MICHIGAN STATE UNIVERSITY
    • WALSH COLLEGE OF ACCOUNTANCY BUSINESS ADMINIST

    Job Titles Held:

    • Financial / Credit Analyst
    • Credit Manager
    • Project Financial Analyst
    • Corporate Finance Manager

    Degrees

    • Intermediate Accounting II and Advanced Accounting
      Master of Science : Agricultural Economics
      Master of Science : Finance
      Bachelor of Arts : Finance Administration

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