RICARDO JOEL ALMANZAR FORTUNA
Santo Domingo
Summary
Dynamic Credit Analyst with a proven track record at Coopcentral Inc., excelling in financial analysis and risk assessment. Adept at developing strategies that significantly reduced portfolio risks while fostering team collaboration. Skilled in leveraging Power BI and Excel to interpret complex data, driving informed decision-making, and enhancing operational efficiency.
Overview
20
20
years of professional experience
1
1
Certificate
Work History
Credit Analyst
Coopcentral Inc.
03.2024 - Current
- Developed strategies for managing delinquent accounts and reducing overall portfolio risks.
- Reviewed loan applications for accuracy and completeness before submission for approval.
- Participated in regular meetings with internal stakeholders to discuss best practices for loan portfolio management.
- Interpreted complex financial data, including balance sheets, cash flow statements, and income statements.
University Lecturer
Universidad Federico Henriquez y Carvajal (UFHEC)
01.2022 - Current
- Established a stimulating learning environment through innovative teaching methods.
- Compiled diverse resources, including textbooks and articles, for effective instruction.
- Evaluated student progress using appropriate assessment tools throughout the semester.
- Engaged in professional development activities, such as conferences and seminars.
Instructor
University of the People
08.2017 - Current
- Encouraged students' critical thinking skills by facilitating classroom discussions.
- Counseled struggling students regarding educational issues such as study habits or academic goals.
- Monitored student behavior under school policies and procedures.
- Provided feedback on student assignments, such as essays, research papers, or lab reports.
- Provided individualized instruction to students to improve their academic performance.
Technical Consultant
Coopcentral Inc.
06.2023 - 03.2024
- Evaluated systems and processes against industry best practices to boost efficiency.
- Analyzed complex data from multiple sources to identify patterns and trends.
- Reviewed policies and procedures to recommend essential improvements.
- Provided strategic advice on operational processes and business development initiatives.
- Collaborated with stakeholders to define project scope, objectives, and deliverables.
- Audited legal documents to ensure compliance with established policies and procedures.
- Assessed consumer needs to align products and services with broader market appeal.
Planning Technician
Ministry of Economy, Planning and Development (MEPyD)
07.2023 - 01.2024
- Organized public outreach events designed to solicit input from citizens on various planning initiatives.
- Provided technical support for computer-aided drafting applications used by planners.
- Compiled, maintained, and updated data related to land use, zoning, population projections, urban development trends, and economic conditions.
- Facilitated communication between stakeholders involved in the planning process.
- Participated in interdisciplinary teams responsible for developing comprehensive plans.
- Attended community meetings and public hearings related to zoning issues or development proposals.
- Researched and analyzed existing policies and regulations related to land use planning.
- Created presentation materials for planning commission meetings using PowerPoint software.
Compliance Officer
Coopcentral Inc.
02.2012 - 09.2020
- Prepared training materials related to regulatory changes or new policies and procedures.
- Conducted risk assessments to identify areas of noncompliance or vulnerability.
- Evaluated proposed changes in laws or regulations that may affect business operations.
- Advised management on best practices in compliance-related matters.
- Guided regulatory requirements for business operations.
- Reported any identified discrepancies or irregularities to senior management.
Lecturer
Universidad Central del Este (UCE)
01.2017 - 01.2018
- Guided students on course selection, career planning, and other educational matters.
- Evaluated student performance through tests, quizzes, presentations, projects, or other assessments.
- Created a positive learning environment by actively engaging with all students during class time.
- Assigned grades based on student performance in class assignments and exams.
- Advised students on their academic progress and career goals.
Business Coordinator
Coopcentral Inc.
02.2010 - 01.2012
- Maintained calendars for events, meetings, and deadlines to ensure effective scheduling.
- Monitored project progress and updated stakeholders on status developments.
- Resolved customer complaints promptly, adhering to company standards.
- Created and maintained accurate records of departmental activities, including budgets and timelines.
- Ensured compliance with company policies regarding project management activities.
- Managed daily operations, including task scheduling and duty assignment.
- Coordinated with departments to achieve timely and budget-compliant project completion.
- Organized team events to foster a positive work environment.
Collections Officer
Banco Popular Dominicano
04.2005 - 06.2007
- Managed customer accounts by obtaining payment information and updating records.
- Verified customer account balances and processed payments accordingly.
- Assisted customers with inquiries regarding billing statements and account status.
- Drafted letters to debtors informing them of their delinquent status.
- Researched delinquent accounts to identify sources of delinquency, such as late payments or insufficient funds.
Education
Technical Certificate - Special Education
INFOTEP
Dominican Republic06-2022
Doctorate - Business & Economics
Universidad Para La Cooperacion Internacional
Mexico01-2017
Some College (No Degree) - Sustainability
Lund University
Sweden01-2016
Masters in Business Administration (MBA) -
EUDE Business School
Spain12-2015
M.D. - Project Management
UCI Costa Rica
Costa Rica01.2013
Bachelors - Business Administration
Universidad Tecnologica De Santiago (UTESA)
Dominican Republic05-2005
Skills
- Financial analysis
- Risk assessment
- Credit scoring
- Strategic planning
- Team collaboration
- Banking operations
- Loan documentation
- Anti-money laundering (AML/CTF) compliance
- Higher education and curriculum design
- Problem solving
- Project management and strategic planning
- Public sector and cooperative finance
- Research and technical writing
- Power BI
- Excel
- CRM Systems
Certification
- Anti-Money Laundering Certified Associate (AMLCA), 01/01/16
- Courses in Power BI,
- Urban sustainability,
- Psychological first aid
Timeline
Credit Analyst
Coopcentral Inc.
03.2024 - Current
Planning Technician
Ministry of Economy, Planning and Development (MEPyD)
07.2023 - 01.2024
Technical Consultant
Coopcentral Inc.
06.2023 - 03.2024
University Lecturer
Universidad Federico Henriquez y Carvajal (UFHEC)
01.2022 - Current
Instructor
University of the People
08.2017 - Current
Lecturer
Universidad Central del Este (UCE)
01.2017 - 01.2018
Compliance Officer
Coopcentral Inc.
02.2012 - 09.2020
Business Coordinator
Coopcentral Inc.
02.2010 - 01.2012
Collections Officer
Banco Popular Dominicano
04.2005 - 06.2007
Technical Certificate - Special Education
INFOTEP
Doctorate - Business & Economics
Universidad Para La Cooperacion Internacional
Some College (No Degree) - Sustainability
Lund University
Masters in Business Administration (MBA) -
EUDE Business School
M.D. - Project Management
UCI Costa Rica
Bachelors - Business Administration
Universidad Tecnologica De Santiago (UTESA)
Accomplishments
- Universidad de La Salle Noroeste invited a conference speaker in 2019
- International Journal of Arts and Sciences, certificate of merit, 2016
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
The mind is everything. What you think, you become.
Gautama Buddha
Languages
Spanish
First Language
English
Proficient (C2)
C2
Arabic
Beginner
A1
Affiliations
- Playing chess
- Guitar playing
- Mountain biking
- Songwriting
Languages
- Spanish, Native / Full Professional
- English, Professional Working
- German, Basic (phrases)
- Arabic, Beginner (studying)
Selected Publications
- Sustainable Development and Business Transition
- Happiness: A Life Attitude
- Dilo en el momento: Controlling Anger
- Fantastic Stories I (Bilingual)
Software
Microsoft Office 365
Miccrosoft Power BI
Moodle LMS
Personal Information
Relocation: Willing to relocate internationally
Interests
Chess
Mountain biking
Songwriting
References
References available upon request.
Roles Of Interest
- Compliance & Risk Management
- Financial Consulting & Public Policy
- Higher Education and Research
Languages
- Spanish, Native
- English, Advanced
- German, Beginner
- Russian, Beginner
- Arabic, Basic (studying)
Selected Publications
- Strategic Planning in Dominican Public Companies (CDEEE)
- Eco Innovation and Technology in Dominican Energy Sector
- Environmental Management in SMEs
- Happiness: A Life Attitude
- Fantastic Stories I (Bilingual)
Personal Information
Willing To Relocate: 1
References
References available upon request.
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