WINNIE MARTINS
Philadelphia
Summary
Results-driven banking professional with proven expertise in financial data analysis, liquidity management, and portfolio reporting within top-tier banking institutions. Adept at synthesizing complex financial information to drive informed credit decisions and support risk management. Demonstrated ability to collaborate cross-functionally, uphold regulatory standards, and deliver actionable insights to senior stakeholders. Highly skilled in advanced Excel modeling, financial forecasting, and translating analytics into strategic recommendations.
Overview
8
8
years of professional experience
Work History
RELATIONSHIP BANKER
Bank of America
Upper Darby
07.2024 - Current
- Built strong relationships with clients to understand their financial needs.
- Provided tailored banking solutions and product recommendations to customers.
- Analyzed client financial profiles and transactional activity, identifying optimal financial solutions while ensuring adherence to internal controls and regulatory frameworks.
- Collaborated with relationship managers, risk teams, and compliance to resolve complex account issues and maintain accurate financial documentation.
- Educated clients on digital banking tools for improved account management.
FINANCE ASSOCIATE
Ministry of the Sea
08.2021 - 10.2022
- Led preparation and presentation of analytical reports, distilling large datasets into actionable insights for management to enhance credit risk review processes.
- Managed multiple high-impact priorities in dynamic, deadline-driven a dynamic, deadline-driven environment, decreasing account issue resolution time by 30%.
- Assisted in budget preparation and monitored expenditure for projects.
FINANCIAL ANALYST
Banco Cabo-verdiano de Negócios
01.2018 - 08.2021
- Orchestrated liquidity and cash flow analysis for diverse financial portfolios, supporting treasury and credit risk decisions for portfolios exceeding $10 million.
- Produced comprehensive financial reports for senior management, facilitating strategic decision-making and enhancing risk evaluation processes.
- Identified financial trends, assessed variance drivers, and translated complex data into accessible recommendations, influencing portfolio risk mitigation strategies.
- Spearheaded process improvements in financial reconciliations, improving data accuracy by 25%.
Education
BACHELOR OF SCIENCE - FINANCE
New Jersey City University
Jersey City, NJ05-2015
BACHELOR OF SCIENCE - BUSINESS ADMINISTRATION
Lusofona University
Lisbon, Portugal05-2008
Skills
- Advanced Excel
- Credit analysis and financial forecasting
- Financial modeling
- Financial statement interpretation
- Portfolio reporting and risk assessment
- Financial statement analysis
- Data visualization (PowerPoint, Tableau)
- Strong written and verbal communication
- Collaborative cross-functional teamwork
Languages
- Portuguese, Native
- Spanish, Proficient
Timeline
RELATIONSHIP BANKER
Bank of America
07.2024 - Current
FINANCE ASSOCIATE
Ministry of the Sea
08.2021 - 10.2022
FINANCIAL ANALYST
Banco Cabo-verdiano de Negócios
01.2018 - 08.2021
BACHELOR OF SCIENCE - FINANCE
New Jersey City University
BACHELOR OF SCIENCE - BUSINESS ADMINISTRATION
Lusofona University