Maria Fernanda Rubin Moreno

· Lead and manage a diversified commercial banking portfolio in the metropolitan area, covering sectors such as pharmaceuticals, manufacturing, agriculture, real estate, hospitality, and IPLs.

· Structure complex credit arrangements, including syndicated loans and the use of collateral and payment source trusts.

· Oversee financial assessments for credit applications, including operational analysis, risk evaluation, and detailed financial reviews to ensure profitability and sound decision-making.

· Supervise quarterly compliance processes, including financial reporting and covenant monitoring.

· Manage the contracting of credit lines and complementary banking products such as financial derivatives and international trade instruments (e.g., commercial and financial letters of credit).

· Lead a team of six professionals focused on maintaining portfolio quality and proactively mitigating credit risk.

· Drive continuous improvements in client service and response times.

· Supervised national credit portfolio with a strong emphasis on risk analysis and corporate creditworthiness assessment across diverse industries.

· Oversaw credit reserve monitoring and control.

· Delivered strategic presentations to executive credit committees.

· Held joint authorization authority for credit lines.

· Supervised portfolio profitability and performance metrics.

· Managed a team of five professionals responsible for credit analysis, approvals, contracting, and operations.

· Led the credit reporting function for senior management.

· Spearheaded digital transformation initiatives, including the development of digital authorization workflows, archiving systems, and national process optimization projects.

· Designed tailored credit solutions for mid-sized enterprises in the metropolitan region.

· Directed the preparation of credit proposals, including financial analysis, profitability modeling, and collateral structuring.

· Integrated banking products into credit structures, including interest rate and FX derivatives and letters of credit.

· Acted as a key contributor to national commercial banking process improvement initiatives.

· Evaluated credit opportunities for corporate, government, and agribusiness clients.

· Conducted in-depth financial, industry, and credit risk analyses.

· Assessed cash flows, ROE, IRR, and NPV; prepared presentations for credit committees.

· Performed counterparty analysis to support investment decisions, focusing on financial stability, creditworthiness, and risk exposure.

· Conducted financial and project evaluations for infrastructure and development initiatives.

· Managed credit processes, client advisory services, and legal coordination with international financial institutions.

· Handled domestic and international government guarantees (Bancomext and EXIM Bank).