Freelancer profile translated to English.
Back to original languageAbout Presen
Economist. Throughout my career, I have specialized in administration and finance.
My approach is based on problem-solving, leadership, attention to detail, among other things. I consider myself a proactive, analytical, and committed person, with the ability to adapt quickly to new environments and challenges. Furthermore, I have a strong results orientation, always seeking to improve efficiency and maximize the impact of the projects I undertake.
Spanish
Native or bilingual
English
Fluent
Remote only
Primarily works remotely
Experience
- AMC Natural DrinksFinancial TechnicianAGRICULTUREAugust 2022 - Today (3 years and 10 months)Murcia, Spain1. Financial Analysis: Evaluate the company's financial statements (such as balance sheets, income statements, and cash flows) to determine the organization's economic health.2. Budget Preparation: Develop and control annual or monthly budgets, ensuring that expenses and investments align with the company's financial objectives.3. Financial Planning: Assist in formulating long-term financial strategies, identifying growth opportunities and mitigating financial risks.4. Treasury Management: Control cash flow, managing payments and collections to ensure the company has sufficient liquidity to meet its obligations.5. Cost Control: Track and analyze operating costs, proposing solutions to improve efficiency and reduce unnecessary expenses.6. Investment Analysis: Evaluate potential investments and financial projects, calculating their profitability and risk, and advising on the best options.7. Tax Compliance: Ensure the company complies with tax and regulatory norms, preparing tax reports and filing corresponding declarations.8. Debt and Financing Management: Oversee debt operations, seeking financing alternatives, negotiating with financial institutions, and securing favorable terms.9. Report Preparation: Prepare periodic financial reports that aid strategic decision-making by management and other departments.10. Financial Advice and Consulting: Provide advice to management and other areas on
- Caja Rural RegionalFinancial AnalystBANKING AND INSURANCEJune 2016 - August 2022 (6 years and 2 months)Murcia, Spain1. Risk Identification: Detect different types of risks (credit, market, operational, liquidity, among others) that may impact the operations and stability of the financial entity.2. Risk Assessment: Analyze and quantify the risk associated with financial products, credit portfolios, investments, and banking operations, using quantitative tools and models.3. Credit Quality Analysis: Evaluate the solvency and payment capacity of clients (individuals or companies) before approving loans or credits, reviewing their credit history, financial statements, and external factors that may influence their payment capacity.4. Credit Portfolio Monitoring: Continuously monitor the institution's loan and credit portfolios to ensure there are no high risks of default or deterioration in asset quality.5. Risk Models: Develop and apply statistical and financial models to predict potential losses or defaults in different economic and market scenarios.6. Regulatory Compliance: Ensure the institution complies with local and international regulations regarding risk management, such as Basel III regulations, which establish requirements for minimum capital and stress testing.7. Stress Testing: Conduct simulations and stress tests to evaluate how the institution might react to adverse situations, such as market downturns, interest rate increases, or economic crises.8. Recommendations for Risk Mitigation: Propose strategies and policies to reduce or mitigate detected risks, such as adjusting the terms of banking products, improving portfolio diversification
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