Summary
Overview
Work History
Education
Skills
Certification
Interests
Timeline
Generic

Miguel David Ramos Villarreal

Analista De Crédito
Monterrey

Summary

Dynamic Credit Analyst with expertise in credit risk assessment and financial statement analysis at BANREGIO. Proven ability to negotiate payment plans and ensure compliance with regulatory standards. Strong relationship management and problem-solving skills, adept at interpreting data to drive informed credit decisions. Committed to continuous professional development in the banking sector.

Overview

3
3
years of professional experience
1
1
Certification
3
3
Languages

Work History

Credit Analyst

BANREGIO
03.2024 - Current
  • Assessed credit risk and analyzed financial statements.
  • Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
  • Analyzed credit scores to determine borrowers' creditworthiness.
  • Attended credit-related training and conferences to stay informed about industry trends and developments.
  • Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
  • Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
  • Negotiated payment plans and loan terms with delinquent customers.


Private Banking Assistant

BANREGIO
01.2023 - 01.2024
  • Managed daily operations, including account maintenance, service requests, and documentation preparation.
  • Participated in regular training sessions, staying up-to-date on industry trends and regulatory changes.
  • Assisted on the organization of client events to foster stronger relationships and promote new products or services offered by the bank.
  • Provided administrative support to senior bankers during complex deal negotiations or loan structuring processes.
  • Prepared, sorted and distributed internal results reports to appropriate branches.
  • Greeted customers and delivered information about new account processes.

Education

Bachelor in Marketing - Business Communication

Instituto Tecnológico De Monterrey
Monterrey, Nuevo León, Mexico
05.2001 -

Skills

    Credit analysis

    Credit risk

    Credit reporting

    Relationship management

    Microsoft Excel proficiency

    Financial statement analysis

    Loan documentation

    Data analysis

    Data interpretation

    Verbal and written communication

    Problem-solving

    Adaptability

Certification

Certificate in Journalism, Media and Visual Arts

Interests

I have a certain affinity for the commercial credit area, as I am naturally interested in understanding and getting to know people Along with my year and a half of experience in credit analysis, I am excited about what I can accomplish in the commercial area, by bringing together my natural skill and the one i´ve been acquiring

Timeline

Credit Analyst

BANREGIO
03.2024 - Current

Private Banking Assistant

BANREGIO
01.2023 - 01.2024

Certificate in Journalism, Media and Visual Arts

02-2022

Bachelor in Marketing - Business Communication

Instituto Tecnológico De Monterrey
05.2001 -

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Miguel David Ramos VillarrealAnalista De Crédito