Lenin Loyola Financial Professional | Income Protection & Retirement Planning |

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Independent Financial Advisory Practice

Independent

Mar 2024 - Current (2 years 2 months)

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Project Manager

Number 8

Dec 2022 - Dec 2024 (2 years 1 month)

. Successful managed multiple projects simultaneously by prioritizing tasks according to urgency, resource availability and alignment with organizational goals. Planned, designed, and scheduled phases for larger projects.Identified plans and resources required to meet project goals and objectives. . Monitored project performance to identify areas of improvement and make adjustments. Coordinated with cross - functional teams to resolve project issues and mitigate risks. Provided detailed technical and operational direction in project challenges, consistently meeting deliverables according to deadlines.

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Senior Financial Consultant

Water Equity

Mar 2022 - Current (4 years 2 months)

As a Senior Financial Consultant, I specialized in providing comprehensive financial analysis and risk assessment for various financial institutions, focusing on market and country risk analysis. I conducted thorough due diligence across different countries and institutions, ensuring that all financial systems were meticulously analyzed and monitored. My role involved offering expert guidance on loan origination, including detailed evaluations of risk factors and financial conditions. I developed investment proposals that encompassed a range of risks and mitigation measures, including covenants, capital structures, interest rates, collateral, and commissions. Additionally, I implemented standard operating procedures (SOP) to streamline proc

B

CEO

Banco D-Miro

Jan 2016 - Jan 2022 (6 years 1 month)

As CEO of Banco D-MIRO, I managed operational and strategic planning, including the establishment of key performance indicators (KPIs) to measure regular results and drive continuous improvements. I led the process of selling the Bank and actively participated in various regulatory and other committees, ensuring compliance and governance. My leadership was pivotal in achieving company growth through the implementation of strategic plans and streamlining operations, while also initiating cost-savings initiatives that reduced operational expenses without compromising quality. I directed technological improvements to minimize waste and eliminate business bottlenecks, fostering an environment where clients were at the center of our operations.

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CFO

Banco D-Miro

Jan 2015 - Jan 2016 (1 year 1 month)

As CFO, I directed budget development, created budgetary controls, and established recordkeeping systems while managing investments effectively. I oversaw the preparation of accurate financial statements on a monthly basis, complemented by in-depth quarterly analyses. My role involved refining internal control procedures to strengthen the integrity of financial data captured within our systems. I led the budgeting process, collaborating with department heads to strategically allocate resources and ensure alignment with organizational goals. Additionally, I enhanced cash flow management through the development of robust forecasting models, ensuring optimal liquidity for business operations. I managed budgets, payroll, and accounts payable an

Senior Financial and Real State Consultant

Independant

Feb 2014 - Current (12 years 3 months)

As a Senior Financial & Real Estate Consultant, I have advised individuals, family offices, and financial institutions on the management of financial and real estate investment portfolios, with a strong focus on capital preservation, cash flow generation, and risk-adjusted returns. My work includes supporting clients in the structuring, evaluation, and management of real estate investments, particularly residential apartments and commercial properties, helping them assess acquisition opportunities, expected yields, financing structures, and long-term value creation. In parallel, I have provided advisory services on financial investments, risk management, and regulatory considerations, supporting clients in making informed asset allocation

B

CFO

Banco ProCredit Ecuador

Jan 2013 - Jan 2014 (1 year 1 month)

As CFO, I enhanced cashflow management through the development of robust forecasting models, ensuring optimal liquidity for business operations. I managed relationships with External Auditors, facilitating a smooth and efficient annual audit process with minimal findings or issues identified. Additionally, I mentored finance team members, fostering a culture of professional growth and skill development within the department. I led negotiations with External Lenders and managed the local securitization of the Loan Portfolio. My responsibilities included leading the reporting with the Holding in Germany for management, the board, and owners, as well as reporting for German regulators such as Bundesbank and BaFin. I successfully reduced operat

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Head of Treasury

Banco ProCredit Ecuador

Mar 2012 - Jan 2013 (11 months)

As Head of Treasury, I implemented treasury best practices to ensure alignment with overall corporate governance standards, overseeing all aspects of cash flow planning to guarantee timely availability of funds for business needs while minimizing borrowing costs. I established policies and procedures to support compliance with laws and regulations, significantly reducing financial risk by developing and executing comprehensive hedging strategies. Additionally, I strengthened internal controls to minimize operational risks and ensure regulatory compliance, while also developing a robust framework for managing foreign exchange risk associated with international transactions. I mentored junior staff members in Treasury functions, fostering pro

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International Financial Consultant

Procredit Holding

Mar 2011 - Feb 2012 (1 year)

As a Financial Consultant, I implemented the Treasury System for the Financial Group and established the reporting process in Bulgaria, ensuring compliance and efficiency in financial operations. I developed transfer pricing strategies per category and actively participated in negotiating external debt for the group. My role involved creating comprehensive financial plans tailored to clients' short-term and long-term goals, which significantly increased client satisfaction through personalized financial advice and investment recommendations. Additionally, I led workshops on personal finance topics, educating community members about effective money management practices. I expanded the client base through targeted marketing efforts and referr

B

Head of Controlling and MIS

Banco ProCredit Ecuador

Jan 2010 - Jan 2011 (1 year 1 month)

• Self - motivated, with a strong sense of personal responsibility. . Excellent communication skills, both verbal and written. • Proven ability to learn quickly and adapt to new situations. • Used critical thinking to break down problems, evaluate solutions and make decisions. • Managed the reporting of the Bank. . Managed time efficiently to complete all tasks within deadlines. • Leaded the MIS process by differentiating responsible and activities. . Leaded the Controlling of the Bank based on KPI's and differentiate between financial and operational indicators. . Leaded the reporting of the Bank. . Delivered information to different stakeholders, such as: Rate Agency, Central Bank, Tax Authority, Superintendence of Banks, Lenders and

B

Senior Financial Analyst

Banco ProCredit Ecuador

Jan 2008 - Jan 2010 (2 years 1 month)

As a Senior Financial Analyst, I provided valuable insights by leading monthly variance analysis reviews between actual results and budget/forecast expectations. I improved budget forecasting through meticulous monitoring of expenses and revenue streams, which enhanced financial accuracy by conducting in-depth analyses of financial data and trends. My role involved performing market analysis to inform executive leadership on industry trends and competitor performance, while also identifying opportunities to reduce costs and optimize resource allocation to enhance profitability. I executed complex financial and budget analyses to determine requirements and justify requested funding, reviewed financial reports, and streamlined operations to i

Lenin Loyola

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