Alejo Lopez Casao

  • Barcelona Area, Spain, ES catalonia
Alejo Lopez Casao

Credit Risk Executive

Work History

Work History
Mar 2009 - Present

Managing Director

Sudleasing / LBBW Group

# Regulated Finance Entity offering leasing to SMEs in Spain and Portugal.

Responsible for Administration, Finance, Controlling, Compliance, Risk and IT.

Budgeting and Planning: Controlling KPIs (new volume financed, delinquency rates, margins, loss provisions …).

Compliance manager: Data protection and fulfillment of Bank of Spain regulations.

Implementation of new ERP and portfolio management legacy system

Development of Guidelines, applying quality tools to streamline processes and increase accuracy reducing reporting time by 75%

Risk manager: customer visits, vendors meetings, appraisal of collaterals, new deal approvals. Company was able to diversify investment from 3 main sectors to 8

Aug 2008 - Feb 2009

Underwriter Leader

GE Capital
Manager of a team of risk analysts for credit, market, regulatory and operational risk. Underwriting of credit applications (Finance and Operating Lease): Analyse each new business proposal in accordance with Company Credit Policy; preview clients' accounts and prepare credit reports (with recommendations if above underwriting authority, justified decision if otherwise) for structuring lease deals in several markets: IT, construction, manufacturing, transportation, aircraft, auto, ... including inventory financing. Annual Reviews of the Dealer Facilities. Participate in portfolio and risk analysis activity and help develop Credit Policies. Carry out Business Reviews and Due Diligence. Responsibility for Risk Policy training requirements Participate in Risk Committees. Draft and maintain all Risk Policy documents. Follow industry and market trends with a view to identifying areas through which innovative policies could provide the company with a competitive advantage.
Jul 2004 - Aug 2008

Senior Risk Analyst

GE Capital

# Finance Entity offering leasing to business and self-traders in Spain.

Development of new ERP (portfolio system) based in Oracle to transfer 15,000 deals annual to new entity.

Support for compliance audits, including Bank of Spain and New York State Banking Department and Basel II.

Six Sigma Project to reduce 800,000EUR in losses from recovered equipment at end of lease.

Analyze each new business proposal in accordance with Company Credit Policy; preview clients' accounts and prepare credit reports (with recommendations if above underwriting authority, justified decision if otherwise) for structuring lease deals in several markets: IT, construction, manufacturing, transportation, aircraft, auto, ... including inventory financing.

Annual Reviews of the Dealer Facilities.

Carry out Business Reviews and Due Diligence.

Responsibility for Risk Policy training requirements and maintain all Risk Policy documents.

Follow industry and market trends with a view to identifying areas through which innovative policies could provide the company with a competitive advantage to finance the customers and keep arrears at minimum. 

Dec 1998 - Jul 2004

Credit and Collections Supervisor / GE ACCESS

GE
Credit and Collections at PanEuropean level. Defining and implementing credit limits, managing the customers in arrears and maximizing the turnover of the company while keeping the DSO at low level and minimizing the risk

Education

Education
1998 - 1998

BS

Hogeschool INHOLLAND
1991 - 1997

Business Administration

Universidad de Zaragoza

Certifications

Certifications

Six Sigma

Skills

Skills

Administración y dirección de empresas

Riesgo financiero

Estrategia empresarial

Finanzas

P&L Management

Team Management

Credit Risk

Due Diligence

Business Analysis

Financial Markets

Leadership

Analysis

Strategy

Management

Financial Risk

Banking

Financial Analysis

Asset Management

Microsoft Excel

Portfolio Management

P&L Responsibility

Finance

Credit

Thinking Outside The Box

Process Improvement

Excel

P&L responsibility

Risk Management

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