EDUARDO ALFREDO HERRERA
Santiago
Summary
Professional highly oriented to objectives and challenges with 8 years of experience in Chile and 17 years between Venezuela, Peru, Uruguay, and Antigua. Goal-oriented manager with distinguished experience in banking and financial services industries and proven leadership abilities. Expert in increasing productivity and customer satisfaction while driving revenue and sales. Committed to streamlining procedures while optimizing employee talent. Hardworking Credit Officer well-versed in reviewing financial documents, preparing loan packages and making recommendations based on risk values. Detail-oriented and thorough with excellent judgment and good verbal and written communication strengths.
Overview
24
24
years of professional experience
1
1
Certification
Work History
Senior Compliance Executive
BANCO DE CREDITO E INVERSIONES
09.2021 - 09.2022
- Responsible for analysis of operations and transactions, ensuring due compliance with Prevention of Money Laundering and Financing of Terrorism. Average daily review 30 customers. Monthly reviewed of more than 500 companies and individuals
- Proved successful working within tight deadlines and a fast-paced environment. Resolved problems, improved operations and provided exceptional service. Demonstrated respect, friendliness and willingness to help wherever needed
- Adaptable and proficient in learning new concepts quickly and efficiently.
Manager Business Development
South Latam, AMERICAN EXPRESS
11.2018 - 01.2021
- Responsible for sale of products of means of payment for South America countries, focused on searching and management new clients from corporate, large market segments and multinational companies. Main objectives in B2B products, identifying key points where company's products provide broad perks and benefits, compared to other similar products in local financial system. Supervision and delegation of tasks in 6-member teams in Chile, Peru, and Uruguay
- Achieved to increase productivity of team members, despite difficult situation of 2020, being resilient, but looking for alternatives and innovations
- Worked together with leadership team to identify problems in flow and propose solutions. Worked as liaison with risk units to coordinate and improve commercial strategies, aligning them with risk policies
- Implemented improvements in commercial management by introducing bank guarantees as collateral for credit lines, which were not previously required by company
- Gave training to Sales Executives in financial analysis aimed at understanding everything inherent to cash flow management for effective B2B sales products, as well as sales techniques.
Senior Global Risk Analyst
BANCO SANTANDER CHILE S.A
03.2015 - 11.2018
- Responsible for credit operations´appraisal, preparation of reports “rating”, presentation of operations to different credit committees, classification of portfolio in accordance with Chilean regulations, monitoring and early warning of clients and control of excess Treasury operations. Performed average of 15 large companies’ analysis monthly
- Worked close with Corporate Banking Executives and Managers identifying new business and structured business.
- Worked flexible hour across night and holidays, proved successful working within tight deadlines in fast-paced environment
General Manager & Main Director
CAJA RURAL DE AHORRO Y CRÉDITO LOS LIBERTADORES DE AYACUCHO S.A
06.2010 - 02.2014
- Drove year-over-year business growth while leading operations, strategic vision, and long-range planning
- General management of company, supervising and leading multidisciplinary teams in areas of Administration, Human Resources, Business, Risks, Treasury, Systems, Legal Affairs, Collections, among others
- Trained and guided team members to maintain high productivity and performance metrics
- Monthly Board of Directors results' presentation
- Introduced new scheme of work methodologies, incorporating manuals and procedures, which resulted in improvement of different indicators, including decrease in delinquency in credit portfolio that passed in 2 years from 14% to 3%, and lifting of more than 200 observations done by Peruvian Superintendency of Banks
- Performed closing and opening of new banking branches, reorganizing bank's regional presence
- Supervised creation of exciting merchandise displays to catch attention of bank's customers. Tracked trends and suggested enhancements to both challenge and refine company's product offerings
- Mitigated business risks by working closely with staff members and assessing performance.
Risk Manager & Director
TRIUM BANK & TRUST LTDA Saint John, Saint John
Saint John
11.2008 - 06.2010
- Responsible for implementation, coordination, management, monitoring, control and adaptation of credit risk standards, policies, and procedures. Management and control market risk, credit risk, operational risk, and collections
- Worked together with Antigua´s regulatory board in adaptation of risk regulations for bank and in application of corrective measures
- Developed short-term goals and long-term strategic plans to improve risk control and mitigation. Implemented financial risk management policies, limits and strategies that complied with standards and strategic of bank
- Encouraged stakeholders to approach assessments analytically and offer unique insights to bring new understanding to risk management programs and strengthen risk culture and fine-tuned risk appetite for lending and funding activities.
VP Corporate Banking Business, Corporate Risk Manager, Risk Manager
BANCO DE VENEZUELA – GRUPO SANTANDER
03.1997 - 11.2008
- Responsible for coordination and management of Corporate Banking clients, Large Companies and Financial Institutions
- Attention to portfolio of more than 300 professional and specialized clients including multinational companies
- In risk management, evaluation, and monitoring of portfolio of approx 400 clients, responsible for headquarters in Spain for control of credit limits, as well as their evaluation and monitoring. Control of Treasury Systems, evaluation and authorizations for Foreign Trade and evaluation of projects and structured financing. Closed big deals with portfolio of USD 12,000M
- As Risk Manager, developed manuals and procedures for Risk Management, Worked with technology for development of computer systems, for management and control of loans granted by bank. Developed short-term goals and long-term strategic plans to improve risk control and mitigation. Risk instructor for staff training.
Education
Master of Science - International Business
Universidad Metropolitana
Caracas, Venezuela07.2009
Master of Science - International Foreign Trade
Universidad Central De Venezuela
Caracas, Venezuela07.2002
Bachelor of Science - Economics
Universida Central De Venezuela
Caracas, Venezuela07.1997
Skills
- Executive Counseling
- Executive Presentations
- Executive Coaching
- Executive Leadership
- Executive Management
- Executive Assessment
- Executive Sales Strategies
- Risk Expert
- Credit Risk Instructor
- Manage Executive Relations
- Regulator Compliance
- C-Suite Executive Relations
Certification
American Express & Harvard Certificate in Leadership Excellence. Harvard Business - 2019
Languages
English
Advanced (C1)
Spanish
Bilingual or Proficient (C2)
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
Business opportunities are like buses, there’s always another one coming.
Richard Branson
Timeline
Senior Compliance Executive
BANCO DE CREDITO E INVERSIONES
09.2021 - 09.2022
Manager Business Development
South Latam, AMERICAN EXPRESS
11.2018 - 01.2021
Senior Global Risk Analyst
BANCO SANTANDER CHILE S.A
03.2015 - 11.2018
General Manager & Main Director
CAJA RURAL DE AHORRO Y CRÉDITO LOS LIBERTADORES DE AYACUCHO S.A
06.2010 - 02.2014
Risk Manager & Director
TRIUM BANK & TRUST LTDA Saint John, Saint John
11.2008 - 06.2010
VP Corporate Banking Business, Corporate Risk Manager, Risk Manager
BANCO DE VENEZUELA – GRUPO SANTANDER
03.1997 - 11.2008
Master of Science - International Business
Universidad Metropolitana
Master of Science - International Foreign Trade
Universidad Central De Venezuela
Bachelor of Science - Economics
Universida Central De Venezuela
American Express & Harvard Certificate in Leadership Excellence. Harvard Business - 2019
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