Fernando MANIGAT LEAL

En résumé

Entreprises

• Wells Fargo Bank, N.A. - Banker

  2011 - 2014 • Promoted to manager; performance as top banker in district for two years (2013 & 2014) for loan volume and sales analysis. Used profiling analysis tools to identify cross sell opportunities and makes outbound sales calls typically by phone to increase product per customer ratio.
  • Exceeded challenging sales and referral goals by proactively selling broad base of financial and credit services to clients, acquiring 100% of client business, and referring clients to other areas of bank
  • Managed customer portfolios, including identifying and analyzing problems and making recommendations through development of financial plans for client’s financial success. Built client relationships and identified valuable solutions, products and services to meet individual and/or business financial needs by providing expert advice and in-depth customer service. Assessed current customer relationships and proactively engaged in a dialogue; offering recommendations to help them achieve financial success.
  • Developed and maintained relationships with bank partners to maximize sales and consistently exceed sales standards. Prepared sales analysis to have an idea of expected sales revenue during the 2013-2014 period.
  • Ensured compliance with state and federal laws and regulations.

• Sofia Credit Bank - Analyst financier

  2004 - 2006 • Prepared reports using fundamental analysis principles, forecasting, technical charts, and tactical evaluation of the market environment. Generated ratings and recommended actions. Prepared and assembled spreadsheets and reports for internal and external analysis of various financial industries.
  • Conduct research activities to obtain information by studying public records and filings by companies, as well as by participating in public conferences and meeting with management professionals. Analyzed financial information and produced forecasts of business industries and economy for investment decision-making.
  • Assessed and compared quality of various SCB products and compared cash flows from previous years to propose a budget. Prepared presentations to communicate findings and brief banking leaders and/or prospective investors.
  • Supported commercial lending performance and balance sheet analysis, by examining audited financial statements and corollary data in order to assess lending risks or to assist companies/clients in making investment decisions.
  • Maintain situational awareness of market, keep abreast of new regulations or policies that may affect the industry, as well as monitor the economy to determine its effect on earnings.

Formations

• Indiana Wesleyan University (Indianapolis)

  Indianapolis 2014 - 2016 MBA-Executive Management
  
  Management for Results (ADM-583-01A)
  Management of Human Resources (ADM-585-01A)
  Marketing for Results (ADM-584-01A)
  Financial Accountability (ADM-582-01A)
  International Business (ADM-586-01A)
  International Finance (ADM-587-01A)
  Leadership in Organizations (ADM-589-01A)
  Management Information Systems and E-Business (ADM-565-01A)
  Decision Analysis in Organizations (ADM-555-01A)
  Organizatio

• Florida International University (Miami)

  Miami 2008 - 2010 Bachelor of Science in Finance
  
  Intermediate Finance (FIN 3414)
  Commercial Bank Management (FIN 4324)
  Financial Markets and Institutions (FIN 4303)
  Securities Analysis (FIN 4502)
  International Banking (FIN 4634)
  Financial Risk Management-Financial Engineering (FIN 4486)

Réseau

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