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  • ·Organized and highly ambitious with exceptional follow-through abilities and financial analysis skills; able to plan and execute projects from concept to successful completion as proven by orchestrating processes during my professional career.

    ·Strong data collection, financial analysis, and structuring skills, acquired through academia and on the job training.

    ·Business oriented, adaptable, pro-active, committed and enthusiastic individual with great sense of responsibility and team-work.

    ·Strong communication and public speaking skills; able to communicate confidently across various disciplines and languages; including fluency in Spanish and English.

Work experience

Apr 2010Present

AVP Relationship Banker / Portfolio Mrg

The Royal Bank of Scotland

·Client promotion and administration of multinational corporate clients, assisting the team globally in business management areas, and comprehensive relationship coverage of over 72 multinational clients; providing them with banking products including cash & liquidity management services, lending, trade finance ,risk management solutions and debt capital markets.

·Participated in the origination and led the execution of 2 cross border syndicated loans

·Responsible for origination of bonds, ABS, loans, and risk management products

·Structured commodity hedging strategies for multinational companies

·Develop strong working relationships within clients and Global Relationship Managers and Portfolio Managers to add value to the internal and external customer network.

·In charge of Portfolio Management for Global Network Banking Mexico developing risk assessments and pursing new business opportunities.

·In charge to work with Syndications to obtain current market pricing

·Hold Business Delegated Authority up to ₤ 100 mln

·Fulfilled established budget by generating increasing it by 22%

Jul 2008Apr 2010


  • ·Held a position of Relationship Manager for Commercial Banking developing credit assessments for Local Companies. In charge of structuring Syndicate Loans.

    ·Participated in the origination and led the execution of 8 structured finance for an overallamount of MXN$2,000 mm

    ·Co-responsible for the origination and execution of 3 syndicated loansfor Mexican companies

    ·Support, day-to-day the clients with the operation. and legal advisory for credit acceptance.

    ·Fulfilled established budget by generating increasing it by 22%

Aug 2007Jun 2008

Portfolio Managemen AVP

·Held a position of AVP (Associate) for Portfolio Management developing credit assessments for Local Corporate and Multinational Companies. In charge of Brazil’sPortfolio (Cargill, Enami, Aerolineas Argentinas)

·Rate the financial performance, firm’s development, industry threats, operating and financial risks for the companies and develop the Credit Application in order to be submitted to the risk committee for approval.

·Provide support to corporate Banking in the due diligences.

Nov 2005Aug 2007

Treasury Credit Risk Manager

·Held a position of Treasury Credit Risk Management monitoring daily Treasury Limits, reconciliations, excess approvals, escalating referrals.

·Front Office support, day-to-day monitoring of credit mitigants

·Credit Risk advisory for securitizations and structured products.

CIBM Credit Officer (11/2005 – 02/2006)

·Held the position of Credit Officer developing credit assessments for Corporate, Institutions, Non-Bank banks (ABS, RMBS ) and Project finance. In charge of all the Automotive Industry

·Rate the financial performance, firm’s development, industry threats, operating and financial risks for the companies.

·Organized and negotiate terms and conditions for credit and treasury proposals.

·Measure Group’s profitability in line to comply with Basel II process.

Mar 2004Nov 2005

Risk Manager

·Held the position of Risk Manager developing credit assessments for medium-size companies.

·Determine the financial position of the companies as well as the risk level for the bank.

·Responsible for negotiation of the credit proposal’s terms and conditions.

03/2004- 06/2004 Trainee

·Successfully completed the Group Graduate Development Programme, which consists of on the job training in various rotations across different business units within Mexico

·Held a rotation in Risk Department and Commercial Banking within Santander Serfin Financial Groupbased in Mexico City.



Investment Banking Products
Credit Risk Solutions (Derivatives, FX)
Credit Structuring
As a Risk Manager I have worked in Corporate , Institutional Banking and Markets Group in credit decisions, monitor the portfolio on an ongoing basis, manage the credit process effectively, and provide support as to credit policy and loan structuring. -Deals and make credit decisions on high level, complex credits.  -Conducting due diligence with the client team.  -Keep current on industry trends and issues.  -Provide consistent policy interpretation and credit structuring advice.  -Present credits to senior credit officers, including the Senior Loan Committee
Certificate in Advanced English