Open to opportunities

William Godoy

@williamgodoy

Message

Data-driven Credit Analyst using SQL and risk analytics to underwrite faster, safer lending.

Ecuador

Message

What I'm looking for

I’m looking for a team where I can drive credit decisions with analytics—building dashboards, improving underwriting workflows, and supporting risk controls like AML. I want meaningful responsibility, mentorship, and room to grow into deeper credit risk strategy.

I’m a Credit Analyst who blends financial statement analysis with quantitative credit risk scoring to support data-driven lending decisions. I’ve built my foundation through a BBA and a Bachelor of Finance, graduating Magna Cum Laude, with coursework spanning Accounting, Corporate Finance, Data Analysis, and Project Management.

At Keep Technologies (Canadian Fintech), I underwrote 100+ weekly credit applications ($1K-$500K CAD) for Canadian SMEs by analyzing debt ratios, profitability, liquidity, and operational efficiency. I also applied a proprietary credit risk scoring model using financial health, banking behavior, and credit score trends to determine credit limits, while identifying fraudulent applications and AML red flags by detecting discrepancies in bank statements and inflated financials.

I strengthen transparency and speed with analytics tooling—building a SQL-based dashboard in Metabase that tracks credit score evolution, utilization rates, historical limits, and payment performance. Previously, in finance internships at Citibank and Zurich Insurance, I delivered regulatory reporting and variance analysis, and developed Power Query data models plus interactive Power BI dashboards for key insurance metrics.

Experience

Work history, roles, and key accomplishments

Current

Credit Analyst

Current

Keep Technologies

Nov 2024 - Present (1 year 4 months)

Underwrite 100+ weekly Canadian SME credit applications ($1K–$500K CAD) by analyzing financial statements, bank transactions, and credit bureau data to determine creditworthiness and limits. Build and standardize underwriting workflows, including a Metabase SQL dashboard and AML red-flag identification for Compliance escalation.

Financial Underwriting Financial Statement Analysis Liquidity & Profitability Ratios Metabase

Finance Intern

Citibank

Apr 2024 - Sep 2024 (5 months)

Prepared daily through bi-weekly regulatory reports (including Structural Liquidity Index, minimum liquidity requirements, FX positions, and foreign credit lines) and ensured data integrity and compliance. Performed balance sheet variance analysis and managed reconciliation workflows to support accurate regulatory submissions.

Regulatory Reporting Structural Liquidity Index Liquidity Requirements Data Integrity Data Reconciliation & Compliance

Financial Planning Intern

Zurich Insurance

May 2023 - Nov 2023 (6 months)

Developed data models with Power Query to transform and consolidate financial reporting for planning and analysis. Built Power BI dashboards for insurance metrics (loss ratio, combined ratio, and premium projections) and automated Excel-to-PowerPoint reporting to streamline monthly presentations.

Power Query Data Modeling Data Consolidation Power BI Combined Ratio Analysis Premium Reporting Report Automation

Education

Degrees, certifications, and relevant coursework

San Francisco University of Quito (USFQ)

Bachelor of Finance, Finance

2020 - 2024

Bachelor of Finance (2020–2024) at San Francisco University of Quito.

San Francisco University of Quito (USFQ)

Bachelor of Business Administration, Business Administration

2019 - 2023

Grade: GPA: 3.8; Magna Cum Laude

Activities and societies: Relevant coursework: Accounting, Corporate Finance, Data Analysis, Business Administration, Project Management, Financial Statement Analysis, SQL, SAP, Statistics.

Bachelor of Business Administration (2019–2023) at San Francisco University of Quito. Graduated Magna Cum Laude with a GPA of 3.8.