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, Perú02.2024
Financial Statement Analysis
University of Lima
Lima, Perú07.2023
MBA - Business Administration
Centrum Business School
Lima, Perú06.2018
Credit Risk Analysis
ESAN University
Lima, Perú06.2018
Financial Risk Management
Bursen
Lima, Perú12.2012
Financial Management
Instituto De Formación Bancaria
Lima, Perú09.2011
Bachelor of Science - Finance
McNeese State University
United States05.2009
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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