Summary
Overview
Work History
Education
Skills
Languages
References
Timeline
Generic

Marcos Gallardo

Lima

Summary

Knowledgeable financial professional experienced in assessing credit viability for corporate borrowers. Good organizational and critical thinking skills. Offering 8+ years of related experience.

Overview

11
11
years of professional experience

Work History

Credit Risk Analyst

COFIDE (Development Bank Of Perú)
10.2019 - 09.2023
  • Conducted in-depth financial analysis to evaluate corporate borrowers'' creditworthiness.
  • Conducted industry research to understand economic conditions impacting borrower ability to repay loans.
  • Recommended approval or disapproval of credit loans.
  • Conducted presentations to upper management and executive teams for loan approval.

Financial Planning Analyst

Financiera Proempresa (Microfinance Institution)
07.2018 - 10.2019
  • Contributed to the development of the strategic plan, budget and expansion plan.
  • Reviewed the monthly budget and identified deviations.

Rating Analyst

Equilibrium (Credit Rating Agency)
09.2016 - 12.2017
  • Conducted initial and ongoing credit analysis on a portfolio of companies.
  • Actively supervised the portfolio and made recommendations for rating transitions in a timely fashion.
  • Recommended the ratings to the rating committee.
  • Built and managed relationships with investors and issuers.

Investment Risk Analyst

La Positiva Seguros (Insurance)
11.2014 - 09.2016
  • Evaluated potential investment opportunities, conducting in-depth due diligence on companies and industries.
  • Evaluated financial performance of existing investments on a quarterly basis.
  • Supported senior management in making informed decisions through the generation of reports and presentations.

Risk Analyst

Pacific Credit Rating (Credit Rating Agency)
01.2013 - 11.2014
  • Conducted initial and ongoing credit analysis on a portfolio of companies.
  • Actively supervised the portfolio and made recommendations for rating transitions in a timely fashion.
  • Recommended the ratings to the rating committee.
  • Built and managed relationships with investors and issuers.

Education

CFA L1 Exam Prep Course

Tandem Finance
Lima, Perú
02.2024

Financial Statement Analysis

University of Lima
Lima, Perú
07.2023

MBA - Business Administration

Centrum Business School
Lima, Perú
06.2018

Credit Risk Analysis

ESAN University
Lima, Perú
06.2018

Financial Risk Management

Bursen
Lima, Perú
12.2012

Financial Management

Instituto De Formación Bancaria
Lima, Perú
09.2011

Bachelor of Science - Finance

McNeese State University
United States
05.2009

Skills

  • MS Office
  • Bloomberg Terminal
  • Excellent written and oral communication
  • Interpersonal skills
  • Judgement
  • Due diligence
  • Team player

Languages

Spanish
Native language
English
Proficient
C2

References

Reference Available upon request

Timeline

Credit Risk Analyst

COFIDE (Development Bank Of Perú)
10.2019 - 09.2023

Financial Planning Analyst

Financiera Proempresa (Microfinance Institution)
07.2018 - 10.2019

Rating Analyst

Equilibrium (Credit Rating Agency)
09.2016 - 12.2017

Investment Risk Analyst

La Positiva Seguros (Insurance)
11.2014 - 09.2016

Risk Analyst

Pacific Credit Rating (Credit Rating Agency)
01.2013 - 11.2014

CFA L1 Exam Prep Course

Tandem Finance

Financial Statement Analysis

University of Lima

MBA - Business Administration

Centrum Business School

Credit Risk Analysis

ESAN University

Financial Risk Management

Bursen

Financial Management

Instituto De Formación Bancaria

Bachelor of Science - Finance

McNeese State University

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Marcos Gallardo