Traveling: Exploring new cultures, cuisines, and landscapes
Laura Judith Ramírez Guevara
MF & MBA | VP Credit Analysis Unit
Summary
MBA and MSc with over 13 years of experience in the Financial Sector, primarily in the credit underwriting process and structured financing for entities across various industries. Responsibilities include client prospecting, credit line structuring and approval, portfolio management, analyst supervision, risk management, and audits. Additionally, served as a mentor for sustainability and technology innovation projects.
Overview
13
13
years of professional experience
8
8
years of post-secondary education
3
3
Languages
Work History
VP Credit Risk Analysis | RE & Conglomerates
Citibanamex
06.2023 - Current
- Lead and supervise a group of senior credit risk analysts specialized in Real Estate and Conglomerates.
- Provide guidance, support, and training in credit risk analysis techniques to team members.
- Review credit memos to ensure quality, comprehensive risk analysis, compliance with credit policies and local regulations, and industry best practices. Reducing by 90% the returns for rework from Risk and Underwriting.
- Assess along with analysts of my team creditworthiness of potential borrowers and existing clients.
- Collaborate with Relationship Managers (RMs) and Underwriting teams to discuss credit structures and customer requests.
- Manage credit portfolios effectively, optimizing risk management strategies, and reducing by 80% average response times.
- Engage in discussions with Risk Officials to review client performance and identify potential risks.
- Liaise with Auditors and Regulatory Officers to ensure compliance with industry standards and regulations.
- Act as trainer in Credit Risk matters, contributing to team skill development.
- Contribute to development and enhancement of credit risk policies and procedures.
- Participate in pilot projects to implement new technologies for credit risk assessment processes.
VP Credit Risk Analysis |Global Subsidiaries Group
Citibanamex
07.2021 - 06.2023
- Managed and supervised a team of Junior Credit Risk Analysts specializing in diverse industries.
- Provided comprehensive training to analysts in credit risk assessment, local regulations, policies, and product knowledge.
- Collaborated with team analysts to assess creditworthiness of potential borrowers and existing clients.
- Reviewed credit memos to ensure quality analysis, risk assessment, and compliance with credit policies and local regulations.
- Participated in meetings with Relationship Managers (RMs) to discuss credit structures and customer requests.
- Designed and implemented strategies to reduce volume of processed extensions to meet established metrics.
- Engaged in meetings with Risk Officials to review client performance and mitigate potential risks.
- Liaised with Auditors and Regulatory Officers to ensure compliance with industry standards and regulations.
Associate Director | Commercial Credit Risk
Scotiabank Inverlat S.A.
12.2015 - 07.2021
- Led a team of Senior Credit Officers in aligning recommendations with the institution's credit risk appetite and local regulations.
- Recommended risk mitigation strategies and actions to optimize credit risk management.
- Reviewed and approved credit requests from Commercial Banking, ensuring compliance with established policies and regulations.
- Submitted recommendations to Credit Committee when necessary, advocating for sound credit decisions.
- Negotiated credit structures with business teams to achieve mutually beneficial agreements.
- Monitored credit exposures and limits to proactively manage risk.
- Participated in diverse projects for implementing new technologies aimed at enhancing credit risk management processes.
- Continuously evaluated and improved credit risk management processes and systems to adapt to evolving industry standards and regulatory requirements.
Sr Analyst | Corporate Credit Risk
Scotiabank Inverlat S.A.
02.2013 - 12.2015
Sr. Relationship Manager | Commercial Banking
Scotiabank Inverlat S.A.
06.2012 - 02.2013
Credit Solutions Manager | Commercial Banamex
Scotiabank Inverlat S.A.
02.2011 - 06.2012
Education
Master in Business Administration (MBA) -
EGADE Business School – Instituto Tecnológico De Estudios Superiores Monterrey
04.2018 - 05.2020
Master in Finance -
Universidad Nacional Autónoma De México
05.2013 - 05.2015
Bachelor of Science - Management
Universidad Nacional Autónoma De México
05.2006 - 05.2010
Skills
Strong leadership and team management abilities
Proficient in credit analysis and approval processes
Proficient in relevant software and tools
Initiative-driven approach
Decision-making skills, backed by analytical thinking and sound judgment
Profound knowledge of local regulations
Excellent negotiation and communication
Accomplishments
- Accelerated the credit underwriting process in my team by implementing streamlined procedures, resulting in a significant reduction in response times and enhanced stakeholders satisfaction.
- Successfully structured and secured financing for numerous entities across diverse industries, contributing to their growth and expansion.
- Led a team of analysts in effectively managing a portfolio of credit lines, resulting in minimized risk exposure and optimized returns.
- Played a key role in driving process improvements and efficiency gains within the credit process, resulting in enhanced operational effectiveness.
- Received recognition for outstanding performance in navigating complex credit transactions and mitigating risks effectively.
- Contributed to the successful implementation of new technologies aimed at streamlining credit processes and improving decision-making capabilities.
Interests
Art: Visiting galleries and museums
Cooking: Experimenting with new recipes and cuisines, and hosting dinner parties for friends and family
Reading: Enjoying a wide range of literature, from fiction to non-fiction, to stay informed and entertained
Fitness: Committed to maintaining a healthy lifestyle through indoor exercise routines
Timeline
VP Credit Risk Analysis | RE & Conglomerates
Citibanamex
06.2023 - Current
VP Credit Risk Analysis |Global Subsidiaries Group
Citibanamex
07.2021 - 06.2023
Master in Business Administration (MBA) -
EGADE Business School – Instituto Tecnológico De Estudios Superiores Monterrey
04.2018 - 05.2020
Associate Director | Commercial Credit Risk
Scotiabank Inverlat S.A.
12.2015 - 07.2021
Master in Finance -
Universidad Nacional Autónoma De México
05.2013 - 05.2015
Sr Analyst | Corporate Credit Risk
Scotiabank Inverlat S.A.
02.2013 - 12.2015
Sr. Relationship Manager | Commercial Banking
Scotiabank Inverlat S.A.
06.2012 - 02.2013
Credit Solutions Manager | Commercial Banamex
Scotiabank Inverlat S.A.
02.2011 - 06.2012
Bachelor of Science - Management
Universidad Nacional Autónoma De México
05.2006 - 05.2010