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Mitsubishi UFJ Lease & Finance (U.S.A.) Inc. (MUFG)
- Vice President - Senior Credit Officer
New York
2019 - maintenant
▪ Prepare credit application write-ups on transactional background, borrowers’ industry and competitive environment, risks and mitigants, business profile and strategy, financial condition and future outlook.
▪ Spread and thoroughly analyze financial statements, business plans, projections, sensitivity analyses, industry information and make recommendations.
▪ Perform credit underwriting, risk assessment, portfolio monitoring, reporting and review.
▪ Underwrite, structure and negotiate complex credit requests for trade finance, supply chain finance, distribution finance, factoring and leasing deals.
▪ Work directly with sales and credit personnel in generating approval documents while helping to protect the quality of the portfolio.
▪ Provide marketing personnel with indicative risk ratings and credit risk assessments.
▪ Interact with legal, operations, and sales departments to facilitate timely loan/lease closing and funding.
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Aig
- Head of Trade Finance Americas
New York
2018 - 2019
Provided global portfolio and people management, senior expertise in structuring and underwriting trade finance transactions to enable and develop fast but selective global growth for trade finance business.
▪ Responsible for credit approval and reporting, credit review and monitoring, presentation of larger credit approvals to Global Credit Committee, oversight of credit approval process, establishment of underwriting procedures and process, portfolio review and shaping.
▪ Managed and trained a team of 5 risk analysts and underwriters in USA, Canada and Brazil.
▪ Responsible for handling top bank and financial institution policyholders with over USD $1MM in annual premium.
▪ Trained and managed local and global colleagues on trade finance products to ensure high underwriting standard and client care.
▪ Took full ownership of transactional due diligence, structuring and commercial underwriting of trade transactions from origination to execution including analyzing structural risks and mitigants, eligibility criteria, sizing credit reserves/deductibles, modelling and premium setting.
▪ Performed review of trade-related term sheets, facility and collateral documentation, operational and technology processes and other due diligence reports from a commercial and risk perspective.
▪ Ensured policies and risks remain compliant with AIG underwriting guidelines, processes and procedures (including preparation of deal memos, pricing methodology, legal reviews and compliance documentation).
▪ Prepared summaries, business plans, models and high-level data on financials and business growth for onwards distribution to AIG senior management and investors (including presentations to key stakeholders).
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Aig
- Senior Underwriter
COURBEVOIE
2013 - 2018
▪ Analyzed and assessed risk within established guidelines, including loss history, characteristics of the insured, obligor risk rating, input from Claims and Legal departments, and in line with business unit objectives.
▪ Built and maintained market profile and an effective broker/client network to deliver profitable growth and innovative/ tailor-made solutions in line with business strategy.
▪ Organized and conducted meetings with clients and brokers to develop effective relationships, to understand their needs and identify emerging risks, and ultimately to match them with AIG’s expertise and risk appetite.
▪ Led negotiations with brokers to win targeted business at the right price, while declining business that is not in line with strategy.
▪ Provided guidance and direction to underwriters in defining terms and conditions, and pricing risk by reference to pricing tools, pricing history, reinsurance requirements, seeking input from the Actuarial team and Industry Experts to ensure profitable business.
▪ Developed expert knowledge of the US domestic trade credit insurance, knowledge of North and South American and European trade credit insurance markets, including understanding competitors and their strategies and operations, as well as trends in distribution in order to enhance our ability to compete.
▪ Proactively identified and pursued opportunities for cross-selling AIG’s products, to differentiate itself from competitors by considering the most complex risks, especially in relation to new products and emerging markets.
▪ Delivered service excellence through effective collaboration with Operations and Claims departments, including contribution to the recording and maintenance of high-quality data in underwriting systems.
▪ Gained acute knowledge and expertise in Political Risk & Trade Credit Insurance and exposure to Structured Trade Credit, in particular with Financial Institutions, traders, multinational companies and multi-buyer programs.
▪ Managed a portfolio of bank policyholders and helped them develop over USD $2bn of bank-to-bank transactions, supply chain finance and Trade Receivable/Payable Purchase programs and provided gain capital relief.
▪ Wrote an additional USD $2MM in premium per annum while providing technical guidance to senior management and credit committee for credit limits up to USD $300MM.
▪ Performed highly technical complex assignments within area of expertise and underwrote the most complex assigned risks.
▪ Reviewed, evaluated and recommended modifications to underwriting guidelines.
▪ Mastered the use of S&P’s Capital IQ, Moody’s KMV and analyzed Credit Default Swap (CDS) daily.
▪ Created a new property insurance product for developers and municipalities using Tax Increment Financing for infrastructure development and community improvement projects – Tax Increment Financing (TIF) Protector®.
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Coface North America
- Global & Key Accounts Manager
New York
2010 - 2013
* Managed a portfolio of over $15m USD in premium for policyholders in the steel, oil, chemicals and factoring industries.
* Managed and trained a team of 7 commercial underwriters for the North American platform.
* Handled Coface’s largest client and helped implement its securitization programs.
* Led client meetings nationwide.
* Developed relationships and signed new business prospects in Canada and the USA for $1m USD in premium per year.
* Handled and expanded global deals worldwide for an additional $2m USD in premium per year.
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Coface North America
- Senior Risk Underwriter
New York
2009 - 2010
* Handled credit limits applications and credit decisions up to $55m USD; wrote financial and trade reviews to monitor risks and avoided losses up to $120m USD.
* Applied quantitative metrics, reviewed financials and Dun & Bradstreet reports to determine coverage for current and prospective policyholders up to $55m USD.
* Routinely interacted with policyholders, brokers and global subsidiaries to review company portfolios and policy pricing.
* Authored an inclusive procedures manual on the factoring program TradeCard that increased by 21% receivables financing from $139m USD in 2008 to $168m USD in 2009.
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Ernst & Young
- Auditeur
Courbevoie
2006 - 2008
Ernst & Young – Libreville, Gabon June 07 – Dec 07
Auditor, Oil and Bank Divisions
* Served as auditor-in-charge of audits of oil companies (Total) in Gabon and Cameroon and banks (Société Générale) in Equatorial Guinea.
* Managed and supervised a team of 5 assistant auditors.
* Analyzed information on the industry, business processes and new systems to prevent accounting flaws.
* Assisted in the assessment and management of business and risk; made recommendations on improving internal procedures.
* Controlled and provided bottom-line oriented solutions; wrote and presented reports.
Ernst & Young – La Défense, France July 06 – May 07
Auditor, Strategic Growth Markets (SGM) division
* Assessed and evaluated financial statements of H&M (Hennes & Mauritz), frequently regarding inventory management.
* Worked extensively at client sites throughout France, reviewing relevant documents, preparing reports on findings for clients, and interviewing personnel regarding client procedures.
* Conducted inventory checks, rewrote inventory procedures, and presented reports to upper management.
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Comité National Olympique et Sportif Français (CNOSF)
- Marketing Consultant
2005 - 2005
Comité National Olympique et Sportif Français (CNOSF) – Paris, France Jan 05 – June 05
Marketing Consultant
* Created marketing studies to value and develop the Olympic brand with the objective of attracting new sponsors.
* Identified illegal use of the Olympic name and logo by brands.
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La Belle Epoque, Hotel Okura
- Assistant to Executive Head Chef Norio Negishi & Chef Hajime Nakada
2005 - 2005
La Belle Epoque, Hotel Okura – Tokyo, Japan July 05 – Dec 05
Assistant to Executive Head Chef Norio Negishi & Chef Hajime Nakada
* Led a communication campaign on French culture and cuisine to develop Hotel Okura’s prestige.
* Translated hotel documents from Japanese to French and interacted with colleagues in Japanese.
* Cooked French cuisine, bartended, and waited tables at a Five Star Alliance member hotel.
