Miguel Eduardo Guillén Rodríguez

Responsible for credit risk management of the Financial Institutions and Governments portfolio in the Central American and Caribbean region, which includes annual or quarterly reviews, spreads filling, triggers/covenants monitoring, risk ratings, breakeven point scenarios, among others.

Oversees the monthly Loss Forecasting aspects of the group.

Liaises with Finance, Collections and Risk Policy team with respect to Loss Forecasting.

Oversees analysis of Forecasting in Citi Group with respect to Forbearance performance and reporting, and Recoveries performance and reporting.

Analyzes fraud portfolio performance at a granular level.

Develops detailed diagnostics or Fraud behavior, shifts in that behavior, assess its impact on portfolio performance, and support the forecasting process.

Assists in the production all presentations to the Citi Group, CFO, Citi Cards CEO, Citi Cards Risk Head, Global Consumer Credit Risk Officer and Regulators, as well as various ad hoc requests.

Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm’s reputation and safeguarding Citi Group, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Responsible for the administration of the corporate portfolio assigned to me (automotive companies, financial institutions and governments), ensuring adequate financial risk management.

Preparation of credit studies for new relationships and annual reviews. Collaboration in the preparation of credit contracts together with the Relationship Executive, negotiation of terms and conditions with clients culminating in the closing of the transactions.

Collaboration in the negotiations of complex credits and processing of exceptions or waivers.

Monthly, quarterly or annual monitoring of my assigned portfolio to ensure correct performance and compliance with conditions.

Involvement in the post-sales relationship such as monitoring the delivery of periodic documentation and identification of business opportunities.

Responsible for the application of laws and regulations. Collaboration in Audit plans.

Support to junior executives in their training and development. Collaboration with the Relationship and Syndication Executive in the management of syndicated loans.

Analysis of financial statements for the assignment, renewal, increase or decrease of credit limits.

Approval of credit limits.

Support the business in the credit management of the N&B (Nutrition & Biosciences) client portfolio.

Evaluation of credit alerts and give recommendations to the business to guarantee the correct cash flow of the company.

Internal audit and financial projects.

Registration of new customers, activation and blocking of accounts in SAP.

Management and assignment of payment terms. Control and release of sales orders.

Update of master data and preparation of daily blocked orders reports.

Perform master data activities for new customers.

Provide service to Customer Service Team about doubts or requesting on customer creations.

Performs compliance activity.

Participate and implement process improvement initiatives to standardize and streamline credit risk assessment processes and procedures.

Apply fundamental credit analysis and various analytical tools to develop risk-rating recommendations.

Conduct credit risk assessment activities for mid to high impact/risk customer accounts for multiple businesses (technology, construction, food, chemical and auto parts industries).

Perform financial statement analysis and financial modeling for customers.