Marina Caron Defani
Economist / Senior Credit Analyst
Curitiba,PR - Brazil
Summary
Economist with over 10 years of experience in multinational companies. In-depth knowledge of financial accounting, credit management and financial market analysis.
Overview
12
12
years of professional experience
6
6
years of post-secondary education
4
4
Languages
Work History
Senior Credit Risk Analyst
Solvay
Curitiba
10.2021 - Current
- Responsible for the Specialty Polymers and Composite Materials portfolio for North America, with over 800 customers and total exposure of around US$500 million;
- Conduct financial review of customer lines of credit by assessing company financials reports to determine level of risk involved for extending credit;
- Monitor credit accounts routinely to identify and mitigate issues and prevent losses;
- Conduct industry research to understand economic conditions impacting borrower ability to repay loans;
- Negotiate payment plans with delinquent customer;
- Improved credit risk assessment processes by implementing advanced data analysis techniques and tools
- Review payment term extension requests and calculate the working capital and the opportunity cost related to it;
- Manage the relations with the internal and external stakeholders;
- Conducted presentations to upper management and executive teams for credit recommendations and to share the results for the high risk customers;
- Analyze and monitor portfolio credit performance against expectations and recommend improvement strategies;
- Participate in strategic projects to support business goals.
- Conducted detailed industry research to identify emerging risks and recommend appropriate mitigation strategies
Treasurer's Credit - Analyst
ExxonMobil
Curitiba
02.2020 - 10.2021
- Participated of the migration project, which transferred the activities of Credit Downstream from Canada to Brazil;
- Responsible for Credit Management of a designated ExxonMobil customer portfolio, managing over 800 customers from the automotive and distributors industry in the US and Canada, with an exposure of approximately US$500 million;
- Perform financial analysis of ExxonMobil customers, understand macroeconomics and industry realities and their impact on a customer portfolio;
- Liaise with Sales Business Lines to understand the importance and attractiveness of customer contracts;
- Determine risk category and assign credit limits, being a valuable advisor to Businesses on helping secure profitable deals while balancing credit risk;
- Work on risk mitigation for customers (including financial security instruments), as warranted;
- Interact with clients & colleagues from around the world on a daily basis;
- Prepare a detailed analysis for customers in each risk assessment, reviewing financials available and formulating a comprehensive report to assist the decision making and credit limit determination;
- Calculate the working capital and the opportunity cost related to different credit decisions and the impact of it for both parts;
- Work closely with the customer service team in order to follow up on the payment history of each customer, taking the necessary actions to reduce exposure and prevent a potential issue.
Income Tax, Pension & Forex - Analyst
ExxonMobil
Curitiba
07.2017 - 01.2020
- Calculate the income tax provision for multiple companies in the US and Latin America (Argentina, Brazil and Mexico)
- Work on the daily update of the exchange rates in the system (SAP BW) and analyze the impact generated by the variation of it
- Responsible for the pension plans in Latin America (Brazil, Argentina, Mexico and Aruba) as the focal point for the local and global networks
- Worked with all stakeholders to correctly calculate the pension reserve and report the plans as expected in each financial close
- Understand the Business environment/complexity to take proper actions and ensure all Tax, Pension and Forex accounting activities are being properly handled and booked
- Understand the linkage between Local and US GAAP reporting requirements and implement processes to ensure compliance
- Knowledge of the Local Tax and Pension reporting process and articulate effectively with other organizations and statutory auditors.
Financial Accounting & Reporting - Analyst
ExxonMobil
Curitiba
01.2017 - 06.2017
- Prepare and report monthly earnings, margins by product and business line, volume, revenue as per the company schedule
- Run and review all integrity reports to ensure no negative inventory balance, no products without assigned pool or standard cost
- Prepare summary of earnings by business line and make short commentary on earnings result
- Consolidate all reports and follow up on big gains and losses and transactions with significant financial effects
- Check and book LIFO inventory and also Local inventory
- Respond to questions from segment managers and business lines.
- Created and maintained precise and accurate models, charts and reports.
Financial Accounting & Reporting - Trainee
ExxonMobil
Curitiba
08.2015 - 12.2016
- General assistance to the team throughout the closing period, with the preparation of comments on the monthly, quarterly and annual income statements
- As a trainee, I was able to lead and participate in several projects for improvements and optimization of processes in the area of controllers
- These projects were created mainly with the purpose to developed tools that could be used by the team in order to make the process less operational and more analytical, reducing the probabilities of errors.
- Offered technical support and troubleshot issues to enhance office productivity.
Credit Risk - Corporate Credit Trainee
HSBC Brazil
Curitiba
10.2013 - 10.2014
- Special project introduced by HSBC with the purpose of preparing the trainees to work on the Risk Area, focusing on Credit for Legal Entities;
- During the program, I went through several sectors within the risk area, in order to learn more about it;
- Provide assistance in the analysis of credit for medium and large companies;
- Assisted in reviewing new accounts for credit risk indicators and compliance.
- Handled day-to-day customer or client questions via telephone or email.
Consulting Services - Internship
Habbacus Economia & Consultoria
Curitiba
07.2013 - 09.2013
- Assistance on reviewing the legal contracts between a financial institution and the client, in order to help on the negotiation for a settlement;
- Small business financial consulting, such as market analysis and financial risk, preparing a presentation to assist the clients on the decision making process;
- Completed research, compiled data, updated spreadsheets, and produced timely reports.
Administrative Area - Internship
CENETIC - Central de Negócios das Empresas de TI
Curitiba
05.2012 - 11.2012
- As the first employee, I was responsible for all base projects in order to fulfill with the necessary legal requirements to launch the company;
- Completed research, compiled data, updated spreadsheets, and produced timely reports;
- Facilitated successful completion of projects from concept to launch;
- Prepared project presentations and reports to assist senior staff.
- Collected, arranged, and input information into database system.
Education
Bachelor - Economics
Pontifícia Universidade Católica Do Paraná
Curitiba 01.2012 - 01.2016
Postgraduate - Financial Market Management
FAE Business School
Curitiba 05.2020 - 12.2021
Skills
Problem-solving mindset, with analytical strength and able to work in a constantly changing environment
Proficient in SAP, Tableau, Power BI, VBA and Microsoft Office Package (excel, word, power point, access, one note)
Great knowledge of credit reporting, economic forecasting, investment analysis and market evaluation
Good verbal and written communication, habituated to present projects and financial analysis to different groups
Deep knowledge of financial statements
Personal Information
Date of Birth: 01/21/1993
Timeline
Senior Credit Risk Analyst
Solvay
10.2021 - Current
Postgraduate - Financial Market Management
FAE Business School
05.2020 - 12.2021
Treasurer's Credit - Analyst
ExxonMobil
02.2020 - 10.2021
Income Tax, Pension & Forex - Analyst
ExxonMobil
07.2017 - 01.2020
Financial Accounting & Reporting - Analyst
ExxonMobil
01.2017 - 06.2017
Financial Accounting & Reporting - Trainee
ExxonMobil
08.2015 - 12.2016
Credit Risk - Corporate Credit Trainee
HSBC Brazil
10.2013 - 10.2014
Consulting Services - Internship
Habbacus Economia & Consultoria
07.2013 - 09.2013
Administrative Area - Internship
CENETIC - Central de Negócios das Empresas de TI
05.2012 - 11.2012
Bachelor - Economics
Pontifícia Universidade Católica Do Paraná
01.2012 - 01.2016