Credit Risk Manager responsible for maintaining and promoting good credit processes and agreed service levels for all business origination, approvals, collateral, and management of bad debt, while mitigating risks and exploiting opportunities originated from the asset portfolio. Cross culturally aware, with good people management skills, I possess national finance company experience at main board level both in Risk and Operations. I have domestic and international credit management experience gathered through working in multi cultural and ethnically diverse environments. Decisive, clear and goal oriented, I strive to be a good role model and set the example through the daily demonstration of leadership skills. Strategic and action oriented, I look to communicate, coach and support colleagues through the creation and usage of conceptual models that helps provide clarity and a bias for action combined with clear direction. Specialties: People manager; Good credit & risk assessment combined with an excellent knowledge of documentation; Positive and supportive – visibly leads by example Experienced in Commercial Financing, Leasing, Credit and Collection, Business Analysis
Sudleasing / LBBW Group
Sudleasing is a financial company regulated by Bank of Spain that belongs to the LBBW and specializes in leasing of equipment. As MD, Alejo was responsible of the backoffice (controlling, finance and administration, risk management, collection and asset management). Leading a team of 6 people to handle all the requested information and processes for Basel II, AML, IFRS & local GAAP. Alejo was director of 2 legal entities with combined assets over 100 million € and responsible for a P&L in excess of 3 million €.
GE Fleet and GE Equipment Financing are the leasing companies within GE CAPITAL. As Underwriter leader, the main function was to manage a team of risk analysts for credit, market, regulatory and operational risk. Main tasks were underwriting credit leases in several markets (IT, construction, manufacturing, transportation, aircraft, auto,inventory financing); Annual Reviews of the Dealer Facilities; develop Credit Policies and maintain all Risk Policy documents; Carry out Business Reviews and Due Diligence.and follow industry and market trends to identify areas through which innovative policies could provide the company with a competitive advantage.
Senior Risk Analyst
Analysis of companies and selftraders for deciding upon financing solutions via leasing that suit their needs and protect the interest of GE. Structuring complex deals for providing operating and financial lease to those companies
Credit and Collections Supervisor / GE ACCESS
CAI (Caja Ahorros Inmaculada)
Administration and anaysis of the mortgages of the bank, within a project to update the risk on that portfolio