HUMBERTO ROMAN LOPEZ
ACCOUNTING & FINANCIAL ANALYST
VILLA DEL REY4
C/15 GG 14
CAGUAS, PUERTO RICO 00727
Summary
Remarkable career built in successful experienced in Finance, Acounting, Manager, Banking and Auto industry with strengths in Customer Service, Related Credit Lending, Sales, and Negotiations. Profesional, bilingual (Spanish & English) Versatile, Creative, Reliable, Collaborated and Efficient, with more than 15 years experience in a highly competitive market.
Overview
28
28
years of professional experience
2
2
Certifications
Work History
Credit Analyst
FIRSTBANK OF PUERTO RICO
8 2018 - Current
- Management overall of over 50 consumer calls per day offering adequate adjudication auto loan approvals alternative of financial analysis term.
- Performed ensuring terms and conditions of credit loans approval are accurate with Bank policies and government regulations
- Established periodic monitor and visits customer to provide high quality services and potential customers in coordination of Business Development team
- Assist in preparation of log jobs assigned and development loan review matrix report and other task that ensure arise.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit
- Analyzed credit scores to determine borrowers' creditworthiness
- Attended credit-related training and conferences to stay informed about industry trends and developments
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags
<p>BUSINESS & ACCOUNTING MANAGEMENT</p>
CELUDAHM CORP. & PILADOS CAFE
2010.06 - 2017.09
- Enhanced financial accuracy by conducting thorough account reconciliations and resolving discrepancies
- • Audit and bank reconciliation, accounting receivable & payable , payment of State & Municipal tax and IRS
- • Supervises team members by assigning tasks, setting expectations, providing feedback, tracking results and sharing vision maximize revenue growth and strategies sales goals
- Developed customized financial reports for enhanced decision-making capabilities among management team members
<p>CREDIT ANALYST & PROMOTER MANAGER</p>
RELIABLE FINANCE SERVICES
1997.02 - 2010.02
- • Accomplish closing underwriting loan approval of top clients represent account of $180 million in annual portfolio
- • Overtake vanguard monthly loan approval of $3 million or more achieved with less than 4% of delinquency loan portfolio
- • Breakdown credit report of Transunion, Equifax, Experian, bankruptcy search for optimize loan approval and tier terms
- Supported sales team in negotiating favorable terms, balancing business growth and credit risks effectively
- Optimized credit policies to reflect changing market conditions and regulatory requirements, ensuring compliance and competitiveness
Education
MBA - Accounting
University of Phoenix
Guaynabo, Puerto Rico 2001.05 -
Bachelor of Arts - Finance
University of Interamerican of Puerto Rico
San Juan, Puerto Rico 2001.05 -
Skills
Vendor Managment
Business Process Improvement
Project Scheduling
Strategic Planing
Comunication Skill
Clever Financial Annalistic Thinking
Software
Certification
Finanacial Modeling & Valuation Analyst (FMVA)tm - Corporate Finance Institute
Languages
Timeline
Finanacial Modeling & Valuation Analyst (FMVA)tm - Corporate Finance Institute
2020-01
F.P. & A. Cash Flow Forecasting - Corporate Finance Institute
2018-01
<p>BUSINESS & ACCOUNTING MANAGEMENT</p>
CELUDAHM CORP. & PILADOS CAFE
2010.06 - 2017.09
MBA - Accounting
University of Phoenix
2001.05 -
Bachelor of Arts - Finance
University of Interamerican of Puerto Rico
2001.05 -
<p>CREDIT ANALYST & PROMOTER MANAGER</p>
RELIABLE FINANCE SERVICES
1997.02 - 2010.02
Credit Analyst
FIRSTBANK OF PUERTO RICO
8 2018 - Current
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