Francesca Codaglio
Milan,MI
Summary
Diligent Senior Credit Analyst touting 15 years of expertise in gathering and evaluating documentation to conduct risk reviews.
A gifted professional mentors associates and provide insight into job tasks. A smart team player knowledgeable in all forms of financial data.
Constantly looking to gain new skills and is passionate about making a positive difference through the work. Charismatic and engaging team player with exemplary interpersonal and leadership skills.
Confident and versatile, has a track record of success by delivering precise and financially successful assessment.
Overview
20
20
years of professional experience
Work History
Senior Credit Analyst Factoring
Banca Progetto
01.2023 - Current
- Gather and analyze customers data such as financial statements to determine level of risk involved for extending credit; conducted thorough financial statement analysis for accurate assessment of assignors'' repayment capacity and financial health. Analyzed credit scores to determine assignors' creditworthiness.
- Contributed significantly to positive audit results by maintaining detailed documentation related to all aspects of the credit analysis process.
- Conducted presentations of proposals to upper management during the Credit Committee .Offered insight to upper management regarding credit decisions.
- Played an instrumental role in the development of credit analysts by providing guidance, mentorship, and constructive feedback on their performance.
Senior Credit Analyst
Ifitalia
09.2019 - 04.2022
- Gather and analyze customers data such as financial statements to determine level of risk involved for extending credit; conducted thorough financial statement analysis for accurate assessment of assignors'' repayment capacity and financial health. Analyzed credit scores to determine assignors' creditworthiness.
- Contributed significantly to positive audit results by maintaining detailed documentation related to all aspects of the credit analysis process.
- Conducted presentations of proposals to upper management during the Credit Committee .Offered insight to upper management regarding credit decisions.
- Played an instrumental role in the development of credit analysts by providing guidance, mentorship, and constructive feedback on their performance.
- Offered insight to upper management regarding credit decisions.
- Contacted customers and requested financial documentation.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
Risk Underwriter
Credendo
01.2018 - 09.2018
- Gather and analyze all information relevant for the assessment of short-term credit risks; assess the creditworthiness of debtors, mainly those located outside Europe; decide on possible insurance terms or submit proposals to the credit committee and the management committee.
- Managed a portfolio of high-risk clients, implementing tailored underwriting guidelines to minimize losses while maintaining growth opportunities.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
Senior Credit Analyst
Hitachi Capital Uk
07.2017 - 12.2017
- To underwrite complex and high value new business proposals for block discounting, stocking finance and receivables, completion of facility reviews, monitoring and assisting with high-risk customers.
- Gather and analyze customers data such as financial statements to determine level of risk involved for extending credit; conducted thorough financial statement analysis for accurate assessment of assignors'' repayment capacity and financial health.Analyzed credit scores to determine assignors' creditworthiness.
- Contributed significantly to positive audit results by maintaining detailed documentation related to all aspects of the credit analysis process.
- Conducted presentations of proposals to upper management during the Credit Committee .Offered insight to upper management regarding credit decisions.
- Played an instrumental role in the development of credit analysts by providing guidance, mentorship, and constructive feedback on their performance.
- Developed customized solutions catering to clients'' unique credit requirements while adhering to regulatory standards.
Credit analyst
Arab National Bank
11.2015 - 03.2017
- Manage the assessment and processing of real estate lending proposals from the network
- Preparing loan schedule for illustration purpose
- Preparation of credit appraisals on new credit limits / applications involving balance sheet analysis and calculation of standard ratios
- Presentations of the applications to the risk committees
- Annually review of all existing real estate credit portfolio loans to ensure that all borrowing requirements and covenants are being adhered to, reviewing transaction documentation (facility letter and security agreements, credit approval letter, fee letters etc) to ensure compliance of terms of approval and credit related issues
- Maintaining ongoing effective management of Credit risk, including covenant compliance with facility terms & condition
- Reach out to the various external participants and internal departments of the bank.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
Credit underwriter
Syscap Ltd
04.2015 - 10.2015
- Analysis of credit data and financial statements to determine the degree of risk involved in extending finance to applicants
- Undertaking creditworthiness analysis based on various financial and non-financial information points with the aim of establishing that requests for finance are plausible, affordable and sustainable with an underwriting rationale applied to each case prior to decisioning
- Provide a high level of service to both internal and external customers at all stages of the underwriting process in line with business expectations
- Proactively manage underwriting deal queues in line with business expectations
- Achieved a high level of accuracy in analyzing credit applications, resulting in well-informed lending decisions and reduced financial risk.
Credit Analyst
BNP Paribas - Leasing Solutions
04.2007 - 02.2014
- Analysis of financial information, such as statements, management accounts and cash flow statements to determine the degree of risk involved in extending credit in all business channels (trucks, cranes, agricultural equipment, medical equipment, technology solutions)
- To underwrite and hire purchase proposals in accordance with my delegated underwriting authority (Rating 1 and 2 500 k€; 3 and 5 400 k€; 5 and 6+ 300 k€; 6 and 7+ 300 k€; 7 and 8- 200 k€) and to provide credit analysis on leasing and hire purchase proposals requiring underwriting outside of delegated authority
- Assigning credit ratios and credit line; preparing credit appraisal reports and making recommendations on credit proposals in accordance with the branch and local legal regulations
- Handling Anti-money laundering and data protection
- Providing guidance and instructions to the commercial department for efficient and productive risk identification, analysis, assessment and presentation
- Visiting clients with commercial department and conduct a credit visit to go into depth any others important details of the company
- Maintaining relationship with Brokers/Dealers by providing prompt decisions; evaluate once a year brokers with scoring to maintain only good brokers
- Interpreting and evaluating internal and external credit reference agency, broker and market reports
- Conferring with the credit association and other business representatives to exchange credit information.
Credit analyst
Bosch Rexroth-Drive and Control company
12.2004 - 03.2007
- Analyzing and evaluating the credit position of customers (1000 clients automotive companies and chemical companies), preliminary investigation of customers' credit positions through budget reading and reclassification
- Approving the revisions/cancellation of 1000 credit line and tight collaboration with selling department, in order to manage and evaluate customer position
- Reviewing existing transactions periodically to include the evaluation of payment history, purchase activity, collateral curve analysis and prepare recommendations for the renewal of internal credit ratings/facilities
- Reviewing current and non-current customer/supplies/third party introductory sources, in conjunction with Collections, to identify and limit the extent of delinquent accounts.
- Supported the sales team in negotiating favorable terms, balancing business growth and credit risks effectively.
- Assisted in maintaining a diversified portfolio through thoughtful selection of new customers based on rigorous credit analysis standards.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
Education
Corporate Credit Risk Analysis Course - Economics
International Faculty of Finance London
London03.2015
CIMA C02 (complete), CIMA C05 (complete), CIMA C03 (complete) and CIMA C04 (complete) - Accounting Management
BPP University of London
London03.2016
Degree in Political Sciences - Political Economy
University of Milan
Milan07.2003
Language Secondary School - Language
Istituto P.P. Pasolini, Milan
MilanTechniques of high Banking formation Course - Economics
Cattolica University, Milan
Milan, MI10.2004
Master in Private Banking Course -
Profilo Academy Banca Profilo, Milan
Milan12.2003
Credit Management - Credit Management
ACMI
Milan05.2024
Skills
- Able to identify trends and key topics and communicate recommendations to management in a clear, precise and concise manner
- Good understanding of key elements of Credit Risk Management with credit and exposure assessment experience from a banking environment Experience of commercial lending in automotive companies
- Constant learning and improving a range of good knowledge of financial markets products Creativity in solution finding
- Able to produce accurate credit papers, coherent recommendations and reports within very tight deadlines Able to work autonomously on projects and produce results within imparted deadlines
- Fluent in English, Italian, Romanian A moderate level in Russian
- Microsoft Office programs, Sage, SAP
- Data Interpretation, Credit analysis
- Loan presentation preparation
- Financial statement analysis
- Financial statement review
- Goal-Oriented, Teamwork and Collaboration, task Prioritization, excellent Communication
Languages
ITALIAN
ENGLISH
ROMANIAN
RUSSIAN
Hobbies and Interests
I have travelled extensively and I love engaging with local communities to broaden my cultural understanding. Current affairs, photography, food, architecture and outdoors sports are my passions.
Yoga Tennis Ski Museum & Theatre
.
Timeline
Senior Credit Analyst Factoring
Banca Progetto
01.2023 - Current
Senior Credit Analyst
Ifitalia
09.2019 - 04.2022
Risk Underwriter
Credendo
01.2018 - 09.2018
Senior Credit Analyst
Hitachi Capital Uk
07.2017 - 12.2017
Credit analyst
Arab National Bank
11.2015 - 03.2017
Credit underwriter
Syscap Ltd
04.2015 - 10.2015
Credit Analyst
BNP Paribas - Leasing Solutions
04.2007 - 02.2014
Credit analyst
Bosch Rexroth-Drive and Control company
12.2004 - 03.2007
Corporate Credit Risk Analysis Course - Economics
International Faculty of Finance London
CIMA C02 (complete), CIMA C05 (complete), CIMA C03 (complete) and CIMA C04 (complete) - Accounting Management
BPP University of London
Degree in Political Sciences - Political Economy
University of Milan
Language Secondary School - Language
Istituto P.P. Pasolini, Milan
Techniques of high Banking formation Course - Economics
Cattolica University, Milan
Master in Private Banking Course -
Profilo Academy Banca Profilo, Milan
Credit Management - Credit Management
ACMI
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