Open to opportunities

Maria Carballo

@mariacarballo

Message

Experienced banking administrator with a focus on credit analysis.

Costa Rica

Message

What I'm looking for

I seek a role that allows me to support small businesses in sustainability.

With over 18 years of banking experience, I have honed my skills in credit analysis, specifically within the credit department of Banco Nacional de Costa Rica. My journey began as a customer service representative, where I developed a strong foundation in client relations. Over the years, I progressed to roles such as Credit Technician and Branch Credit Department Manager, where I was responsible for assessing loan applicants' creditworthiness and making informed recommendations on loan approvals.

My academic background includes a Bachelor's Degree in Business Administration and a Bachelor's Degree in Accounting, complemented by various specialized courses in credit analysis and financial management. I am passionate about leveraging my expertise to assist small businesses in achieving their sustainability goals. I believe that my extensive experience in the banking sector, combined with my commitment to fostering sustainable practices, positions me uniquely to contribute to organizations focused on making a positive impact.

Experience

Work history, roles, and key accomplishments

Branch Credit Department Manager

Banco Nacional de Costa Rica

Feb 2018 - Apr 2024 (6 years 2 months)

Managed the Branch Credit Department, overseeing credit assessments and loan approvals for VIP clients and small businesses. Responsible for evaluating creditworthiness and ensuring compliance with banking regulations.

Banking Regulations Customer Service Team Leadership Financial Analysis Risk Assessment Problem Solving

Credit Technician

Banco Nacional de Costa Rica

Feb 2008 - Aug 2014 (6 years 6 months)

Performed credit evaluations and assisted in the processing of loan applications. Collaborated with clients to gather necessary documentation and provided support throughout the loan process.

Credit Documentation Management Loan Processing Financial Reporting Problem Solving Team Collaboration

Credit Executive

Banco Nacional de Costa Rica

Jul 2007 - Feb 2008 (7 months)

Engaged with clients to assess their credit needs and provided tailored financial solutions. Conducted thorough credit analyses to recommend loan approvals.

Client Engagement Customer Service Communication Skills

Customer Service Representative

Banco Nacional de Costa Rica

Mar 2007 - Jun 2007 (3 months)

Provided exceptional customer service, addressing client inquiries and assisting with banking transactions. Developed strong relationships with clients to enhance their banking experience.

Customer Service Banking Communication Skills Problem Solving