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Hi, I’m
Daniel Laredo
Banking Advisor
Malaga
Summary
Experienced banking professional with 6 years of expertise in building strong relationships and highly ethical nature. Dedicated to customer satisfaction and ensuring compliance of financial activities while meeting ambitious sales targets. Well-versed in solving routine and complex transaction problems. Positive and upbeat with strong communication and conflict resolution skills. Ability to handle multiple deals simultaneously with excellent time management.
Overview
14
years of professional experience
5
years of post-secondary education
2
Certificates
3
Languages
Work History
UBSGeneva
Corporate Banker
03.2017 - 09.2022
Job overview
- Acquired, managed and developed a portfolio of 130 international corporate clients.
- Advised on and sold basic products, payment transaction solutions, financing, investments, and FOREX hedging (currency risk). Increased KPI Net Revenue YOY + 12.5%.
- Understanding client risk and return profile, identify investment funds and provide suitable solutions according MIFID II.
- Provided coverage of complex client needs such as strategic operations, business succession, Management Buy-Out and -In while including wealth planning approach. Closed 6 strategic deals.
- Gathered and analyzed loan applicants’ financial data to evaluate risk, assessed creditworthiness through cash flow based lending technic and need for security, submitted credit request to credit officer for approval, priced based on credit rating, led negotiation and closed deal. Granted 14 loan applications for a overall volume of €18M.
- Mortgage: evaluated real estate assets through cost, sales comparison and incomes approach to value to determine LTV (loan-to-value).
- Conducted periodic risk assessment for € 53M of committed credit through financial statement analysis, risk management and compliance-related activities.
- Managed FX spot, forward and options transactions. Carried out an average of 20 FX trades by week and hedged overall volume of € 48M foreign exchange exposure.
- Conducted Periodic KYC Reviews of business relationships to ensure that transactions match with client's profile and are compliant with financial crimes policy, and undertake preliminary investigation of suspicious activity by obtaining relevant documents and testimony from client.
- Carried out Customer Due Diligences for new clients and Enhanced Due Diligence for suspicious activities based on AML red flags and other risk indicators. Performed over100 KYC customer onboarding procedures.
- Escalated to compliance when exposure to financial crime identified and respond to queries. 1st at regional level in risk management two consecutive quarters.
- Checked and updated client regulatory documentation.
- Monitoring and reporting on a monthly based KPIs and risk activities to line manager.
SGSGeneva
Accountant
09.2014 - 09.2016
Job overview
- Accounts-keeping of 3 companies and internal control according IFRS.
- Documented cash, credit, fixed assets, accrued expenses, and line of credit transactions.
- Monitored and reported on daily basis cash flows of 5 subsidiaries and consolidated at group level.
Prepared financial reports for a dozen of projects. - Participation to submission of project audit reports.
Accounting verification of group subsidiaries under UK GAAP. - As a result of the acquisition of a company within the group, I have
carried out the work of verifying supporting document, entering
book entries into the group's accounting system and reconciling
VAT, suppliers, customers and banks. - Completed daily cash functions like account tracking, payroll and wage allocations, budgeting, donating, and cash, and banking reconciliations.
BS Management & RH Geneva, Switzerland
Administrative Assistant
01.2013 - 08.2014
Job overview
- Organization, development and management of administrative structure.
- Developed and updated spreadsheets and databases to track, analyze, and report on performance and sales data.
Geneva Student Association Geneva, Switzlerand
Founder & Treasury
09.2011 - 06.2013
Job overview
- creation and development of the association (status, bank account, university relationship, network, etc.).
- Development of projects to improve campus life.
- Budget administration, presentation of financial statements to obtain funds.
Group Pictet Private BankGeneva, Switzerland
Intership trading division
09.2008 - 06.2009
Job overview
- Excel preparation for technical analyze, reporting of market activity and analysis.
- Preparation of the morning meeting: stock market activities and forecasts.
- Certification ISFB in banking techniques.
Education
University of Applied Sci. & Arts W. Switzerland
Master of Science from Business Administration
2014 - 2016 (2 years)
University of Applied Sci. & Arts W. Switzerland
Bachelor of Science from Business Administration
2010 - 2013 (3 years)
Software
Certification
Certified Corporate Banker CCoB
Reference
Mrs Liliana Fardel, Executive Director, Head Swiss Corporate Client at UBS, +41 22 375 93 00
Availability
See my work availability
Not Available
Available
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Skills
Client Portfolio Management & CRM
undefinedTimeline
Certified Corporate Banker CCoB
07-2021
Corporate Banker
UBS
03.2017 - 09.2022
University of Applied Sci. & Arts W. Switzerland
Master of Science from Business Administration
2014 - 2016 (2 years)
Accountant
SGS
09.2014 - 09.2016
Administrative Assistant
BS Management & RH
01.2013 - 08.2014
Founder & Treasury
Geneva Student Association
09.2011 - 06.2013
University of Applied Sci. & Arts W. Switzerland
Bachelor of Science from Business Administration
2010 - 2013 (3 years)
ISFB certification in banking techniques
12-2008
Intership trading division
Group Pictet Private Bank
09.2008 - 06.2009
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