Luis Herranz Garcia

Currently studying B1.2 level of the German language. Looking for new job opportunities in Germany

· Conducted risk analysis of SME, large and corporate customers, (15-20 accounts per month). Underwriting and extension of the Elavon´s facilities agreements with new and existing customers. · Investigated reviewed and interpreted credit and financial information from customers. · Engaged in negotiations and made recommendations to customers and sales managers. · Presented information in the Credit Committee to senior managers. · AML & KYC

· Manager for the Spanish, Portuguese and LATAM markets. · Conducted risk analysis for SME and large customers in the chemical sector. · Investigated reviewed and interpreted financial statements, ratio analysis, balance sheet structure, sovereign risk, cash flows and country risk analysis. · Managed credit operations by defining credit limits, length, payment terms and repayment schedule. · Accounts Receivable and Debt collection. · In permanent communication with 600 active customers.

Living in Bern, Looking for new opportunities.

120 Hours SAP FI Customizing course.

· Worked in hospitality and customer service in the major events in Edinburgh (e.g. sports events, conferences) and VIP dinners (attended by the British Royal Family and politicians). · Work while completing two years of full-time English courses at Edinburgh College and a Masters Degree in International Business Management with Finance at Heriot-Watt University in Edinburgh.

· In charge of accounts receivable and accounts payable, and managed inquiries from customers and suppliers, e.g. bank transfers and payments, freight deliveries (JESTHISA S.A. & TAURUM FOODS S.A.). · Managed tax-return applications for customers, 25 per day (Madrid Region Community).

· Assessed credit limits and authorized car loans, renting and leasing for individuals and companies. · Negotiated loan terms and repayment schedules. · Checked and documented financial information about new and existing customers. · Achieved the best rate of customer satisfaction within the department, awarded by customers. · Increased the market share of car loans from 17% to 22% with the lowest overdue ratio in the Spanish market.

· Provided proactive leadership to motivate a team of 15 associates to deliver exceptional service. · Sold banking products (loans, insurances, mortgages, deposits, investments, etc.) to individuals and companies in Huesca (North East of Spain). · Built long term customer relationships. · Met all sales targets (mortgages, deposits, investments and insurance). · Increased customer portfolio by 10% per year.

· Assessed credit limits for car loans. · Debt collection. Contacted customers in arrears to encourage repayments promptly. · Best rate of collections in the department for four consecutive months.

Financial Analysis, Finance, International Trade Law, Corporate Social Responsibility, International Business, Competitive Strategy.

Finance, Macroeconomics, Microeconomics, Statistics, Econometrics, Accounting, Game theory, Taxation, Optimization theories, International Markets.