Lifeguard

• Mar 2021 - Present

Corporate Credit Analyst

• Feb 2017 - Jan 2019

• Identified strategic risks affecting companies, focusing on the need for adequate cash flow generation, debt service coverage, and reinvestment capabilities. • Successfully uncovered fraudulent practices employed by one of the analyzed companies’ previous CFO to manipulate the financial statements and obtain credit, ultimately resulting in the company's financial distress. • Audited all financial statements of a large-scale paper products manufacturer with annual revenue of approximately USD 100,000,000, implementing quarterly triggers to monitor the company's financial performance. Show less

Corporate Credit Analyst

• Jul 2010 - Dec 2016

• Extended a R$10,000,000 working capital loan to a well-established transportation company with two decades of experience. • Delivered a feasible action plan with insightful measures preventing an undervalued acquisition of a second-generation family-owned business, ensuring a better outcome for stakeholders. • Managed financial operations for companies that had an average annual revenue of R$2,5000,000 and over 5 years of operation. • Collaborated with the bank to provide a working capital loan of R$3,000,000 to address one of the analyzed company's working capital deficiencies, with a 36-month term and receivables as collateral. • Diligently implemented monitoring triggers, including maintaining a liquidity level of 70% or above for the pledged assets, a 30-day operational cycle, and sufficient EBITDA to cover debt service. Show less

Corporate Credit Analyst

• Jun 2009 - Jun 2010

• Performed comprehensive evaluations of company structures, operations, and financial performance, utilizing portfolio management strategies to manage significant corporate risks. • Effectively oversaw a diverse range of collateral assets, such as duplicates, cards, and alienation. • Performed comprehensive evaluations of company structures, operations, and financial performance, utilizing portfolio management strategies to manage significant corporate risks. • Effectively oversaw a diverse range of collateral assets, such as duplicates, cards, and alienation.

Corporate Credit Analyst

• Apr 2008 - Oct 2008

Corporate Credit Analyst

• Mar 2006 - Mar 2008

Corporate Credit Analyst

• Jan 1996 - Mar 2003