Fernanda Villaluz

Experience in financial analysis, cash flow assessment and credit risk evaluation across corporate and infrastructure-related financings. With broad background supporting complex credit decisions, covenant frameworks and structured credit transactions. Strong cross-functional coordination with Risk, Legal, Treasury, Compliance and Audit teams.

Relationship Manager – Corporate Bank at BANK OF CHINA MEXICO (2022-08 – Present)

Manage the successful process for multiple branches for a credit of 192M USD trough international teams, impacting in one of the biggest project of Mexican Government 2018-2024.

• Led projects in credit assessment for large corporates, trust and SPVs, including historical and projected cash flow evaluation, repayment capacity and risk profiling.
• Perform credit structuring processes developing financial metrics, leverage thresholds and covenant considerations for new and existing facilities.
• Actively participated in credit committees, providing analytical support and structuring rationale to senior decision-makers.
• Coordinate credit execution with international teams, aligning financial structures, funding sources and internal policies.
• Supported audit and AML requirements by coordinating information, reviewing documentation and ensuring regulatory consistency across stakeholders.

Product Owner Markets Project (Fixed Income) at SANTANDER BANK (2021-04 – 2022-08)

• Contribute as Product Owner for Fixed Income platforms (Calypso), bridging Front Office, Middle Office and Back Office requirements.
• Design and implement process improvements to strengthen controls, traceability and operational risk management.
• Coordinate multi-country implementations aligned with regulatory, audit and risk control frameworks.

Manager - Middle Office Fixed Income at SANTANDER BANK (2019-01 – 2021-04)

• Execute fixed income operations, including primary debt issuance and position management.
• Monitored exposure and operational consistency across Treasury, ALCO, Private Banking and Securities Lending desks.
• Contribute for the improvement of audit process and control frameworks for fixed income transactions.

Analyst Back Office – Treasury and Vostro Accounts at SANTANDER BANK (2016-11 – 2019-01)

• Support daily treasury operations, funding activities and transactional controls and settlement processes.
• Ensure compliance with internal procedures and regulatory requirements.

Analyst - Financial Projects at STAR ALAI (2015-07 – 2016-11)

• Develop financial projections, business plans and structured financing alternatives for new business initiatives.
• Build end-to-end financial models, including revenue assumptions, cost structures and funding needs.
• Assess project feasibility and credit capacity under different financing scenarios.

Bachelor's Degree in Finance and Banking – Escuela Bancaria y Comercial (2012 – 2016)