Summary
Overview
Work History
Education
Skills
Software
Timeline
Generic

Mayckol Garfias

Santiago

Summary

Dynamic Credit Risk Manager with extensive experience at Scotiabank, excelling in loan underwriting and relationship management. Proven track record of optimizing capital and identifying emerging risks while ensuring compliance with credit policies. Skilled in driving strategic initiatives that boost team performance and elevate client satisfaction.

Overview

11
11
years of professional experience
2
2
Languages

Work History

Credit Risk Manager – Large Commercial

Scotiabank
09.2024 - Current

Experienced in credit adjudication and risk control, aligning with risk appetite and culture. Identifies emerging risks, optimizes capital, and drives effective strategies.

Credit Solutions Manager – Mid-Market

Scotiabank
06.2023 - 08.2024

Supports Mid-Market segment goals by executing strategic plans, ensuring policy compliance, and contributing to team training.

Senior Credit Solutions Analyst – Mid-Market

Scotiabank
07.2021 - 06.2023

Managed credit requests for Mid-Market clients, handling analysis, documentation, and committee submissions in compliance with policies and deadlines.

Credit Solutions Analyst – Mid-Market

Scotiabank
10.2020 - 06.2021

Prepared credit requests for Mid-Market clients, supporting the review of documentation and financial analysis.

Credit Solutions Analyst – Retail Banking

Scotiabank
08.2018 - 09.2020

Prepared credit proposals for Retail Banking clients, including documentation review and financial analysis.

Senior Relationship Manager - Personal Banking

Banco De Chile
03.2016 - 07.2018

Skilled in managing client relationships, assessing credit, and delivering personalized financial solutions.

Financial Assistant - SME

Banco De Chile
03.2014 - 03.2016

Responsible for inputting financial statements into the bank’s internal systems.

Education

Bachelor of Science - Business Economics

Universidad De Santiago
Santiago, Chile
05.2001 -

Bachelor of Science - Business Administration With A Major in Finance

INACAP
Santiago, Chile
05.2001 -

Postgraduate Diploma - Financial Analysis And Management

IEDE Business School
Santiago, Chile
05.2001 -

Skills

Loan underwriting

Relationship management

Credit policy development

Cash flow analysis

Software

Microsoft Office

MS Outlook & Teams

Timeline

Credit Risk Manager – Large Commercial

Scotiabank
09.2024 - Current

Credit Solutions Manager – Mid-Market

Scotiabank
06.2023 - 08.2024

Senior Credit Solutions Analyst – Mid-Market

Scotiabank
07.2021 - 06.2023

Credit Solutions Analyst – Mid-Market

Scotiabank
10.2020 - 06.2021

Credit Solutions Analyst – Retail Banking

Scotiabank
08.2018 - 09.2020

Senior Relationship Manager - Personal Banking

Banco De Chile
03.2016 - 07.2018

Financial Assistant - SME

Banco De Chile
03.2014 - 03.2016

Bachelor of Science - Business Economics

Universidad De Santiago
05.2001 -

Bachelor of Science - Business Administration With A Major in Finance

INACAP
05.2001 -

Postgraduate Diploma - Financial Analysis And Management

IEDE Business School
05.2001 -
Mayckol Garfias