Looking for a job

Nicole Navarrete

@nicolenavarrete1

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I analyze credit risk, financial data, and banking operations with advanced Excel.

Ecuador

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What I'm looking for

I'm seeking remote or Ecuador-based opportunities in finance, banking, credit risk, financial analysis, FP&A, and finance operations.

I've supported banking operations at Scotiabank in Canada by validating financial and banking documentation, verifying information for operational reports, and strengthening data-control processes.

At Uninova Financial Services, I analyzed financial statements, liquidity ratios, and repayment capacity for SME and corporate clients. My credit-analysis reports supported credit committees in making financing decisions and identifying potential financial risks.

I've also managed accounts payable, inventory reconciliations, financial reporting, and sales metrics at No Frills. I use advanced Excel for financial models, data analysis, and quality control, and work professionally in Spanish and English.

Experience

Work history, roles, and key accomplishments

Operations Analyst

Scotiabank

Jan 2025 - Oct 2025 (9 months)

Validated financial and banking documentation, supporting compliance with international requirements and reducing inconsistencies in operational records. Analyzed and verified financial information used in operational reports, improving data accuracy and information flow across teams.

Financial Documentation Compliance Data Verification Operational Reporting Data Accuracy Banking Operations

Management Control Analyst

NoFrills

Jan 2024 - Dec 2024 (11 months)

Managed accounts payable processes and inventory reconciliations, maintaining accurate financial records and operational cost controls. Analyzed inventory variances and shrinkage, identifying relevant deviations to support budget and cost optimization.

Accounts Payable Inventory Reconciliation Financial Reporting Cost Control Variance Analysis Budgeting

Credit Risk Analyst

Uninova – Financial Services

Jan 2022 - Sep 2023 (1 year 8 months)

Analyzed financial statements, liquidity ratios, and repayment capacity to assess SME and corporate clients. Prepared credit-analysis reports used by credit committees when evaluating financing decisions.

Financial Statement Analysis Credit Risk Assessment Liquidity Assessment Repayment Capacity Credit Analysis Financial Reporting

Research & Data Specialist

Uninova – Financial Services

May 2020 - Dec 2021 (1 year 7 months)

Coordinated the processing and quality control of client financial information for credit analysis. Standardized Excel analysis models used by the team to evaluate clients.

Data Processing Quality Control Excel Financial Analysis Workflow Improvement