GIANIRA ESPIRITU
Onehunga,AUK
Summary
Experienced in financial evaluation and credit analysis across sectors and company sizes, with a degree in Business Administration specializing in Finance. Gained relevant professional experience from working in one of Peru's largest banks and a Mexican Fintech company. Took a break from my career in 2023 to pursue an online MBA while traveling the world to immerse myself in different cultures. With the completion of my MBA program and settling down in New Zealand, I am eager to resume my career and further develop professionally.
Overview
7
7
years of professional experience
Work History
Credit Officer
Tribal Fintech
02.2022 - 11.2022
- Be the direct source for inquiries from Peruvian companies
- Monitor the utilization of the product and have direct communication with the final customers
- Analyze bank statements and financial statements
- Write and approve/explain credit reports and credit opinions
Sub Credit Manager
Banco De Credito Del Peru
06.2019 - 01.2022
- Analyze financial statements and make cash flows
- Calculate the credit needs of the companies
- Support the team's analysts in both, operational and credit inquiries
- Be a tutor to the analyst trainee and the intern, by monitoring their work and being the main source of consultation
- Write and approve/sustain credit reports and credit opinions
Credit Analyst
Banco De Credito Del Peru
03.2016 - 05.2019
- Analyze financial statements and make cash flows
- Calculate the credit needs of the companies
- Search for information in the Banking System about the companies and its managers
- Write and approve/explain credit reports and credit opinions
Education
MBA - Business Administration
EAE Business School
Madrid, Spain10.2024
Bachelor of Science - Business Administration
Universidad Del Pacifico
Lima, Peru07.2016
Graduate Certificate - Corporate Finance
ESAN Business School
Lima, Peru07.2017
Skills
- Observation
- Decision making
- Communication
- Multi-tasking
- Self-driven
- Financial modelling and reporting
- Financial accounting
- Business strategy
- Customer service
- Social media marketing
Languages
English
Full Professional
Spanish
Native or Bilingual
Portuguese
Professional Working
Timeline
Credit Officer
Tribal Fintech
02.2022 - 11.2022
Sub Credit Manager
Banco De Credito Del Peru
06.2019 - 01.2022
Credit Analyst
Banco De Credito Del Peru
03.2016 - 05.2019
MBA - Business Administration
EAE Business School
Bachelor of Science - Business Administration
Universidad Del Pacifico
Graduate Certificate - Corporate Finance
ESAN Business School
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