Francisco Ramirez, CFA
Dublin,Ireland
Summary
Creative, pragmatic, and energetic team player with a passion for credit markets and data analytics. Tech-savvy, autodidact, and small investor who holds the CFA certification and owns technical skills in Python, SQL Server, Excel, VBA, and various other data analysis tools.
Overview
9
9
years of professional experience
1
1
Certification
Work history
Credit Portfolio Analyst
AIB Group
11.2021 - Current
- Produce and present comprehensive reports for the LevFin portfolio (€3.5bn / c.200 companies), summarizing fundamental analytical trends (macro and sectoral level), potential risks, and identifying clear and succinct recommendations
- Collate data from multiple sources (Bloomberg, Moody's, CapitalIQ, IHS, LCD, etc.) and vendors, as well as perform quantitative analysis to inform strategic response
- Conduct fundamental analysis on potential opportunities, including qualitative and quantitative due diligence and appropriate financial analysis and stress testing
- Assist in redesigning the Portfolio Management process to improve efficiency and insight gained (database design, data cleansing & visualization)
- Conduct individual credit research and stay up-to-date with financial and nonfinancial information
- Present findings to senior management and the broader team
- Support the training and development of other team members in Excel (shortcuts, formulas, VBA) and other data analysis tools (Access, Python, PowerBI, BQL)
Investment Data Specialist
Utmost International
08.2020 - 11.2021
- Manage master data from +250 custodians, including creation, updates and deletion of substantial volumes of data, ensuring accuracy and integrity of Solvency II reports
- Create customised reports for the final users (SQL, VBA, Access, Python)
- Point of contact for all the investments-related requests (illiquid assets, investments, actuarial, finance and portfolio management teams)
- Present portfolio analytics and performance at the quarterly Investment Committee
- Design and build a customised tool in order to select UCITS funds for the company platform based on different risk-adjusted and ESG parameters
Middle Office Supervisor
J.P. Morgan
05.2018 - 07.2020
Fund Accountant
SMT Fund Services Ireland
05.2016 - 10.2017
Junior Financial Analyst
Fiadex, Palma de Mallorca
10.2014 - 07.2015
- Assisting in the execution of M&A deals (mergers, acquisitions, spin-offs, …) and the elaboration of marketing material for projects in the hotelier industry
- Building company forecast models & business plans, financial modelling and carrying out company valuations (DCF, comparable & precedent transactions)
- Interpret large volumes of data and translate it into meaningful insight
- Attending meetings involving different stakeholders and training other colleagues
Education
Charterholder -
CFA, CFA Institute
Master's Degree - Banking and Finance
UA
Degree - Economics
UIB
Skills
- Credit risk management
- Credit analysis
- Financial modelling
- Data analysis
- Financial statements expertise
- Verbal and written communication
- Advanced IT skills in Excel (VBA), Python, SQL & Access and PowerBI
Certification
CFA Program: Passed all 3 levels in first attempt
Udemy - Python for Finance: Investment Fundamentals & Data Analytics
- Python for Financial Analysis and Algorithmic Trading
- Python for Data Science and Machine Learning Bootcamp
- SQL: Data Analytics Applications in the Real World
- The Ultimate Excel Programmer Course (VBA)
- Alteryx Bootcamp
Skills of the Future - CIB Operations - Data Analytics & Visualization (Tableau)
Python libraries: pandas, numpy, matplotlib, xwings, scikit-learn, zipline
Interests
OTHER INTERESTS
, Skilled in padel tennis, reading, and football.
Experience in investing and algo trading.
Languages
Spanish
Native
Catalan
Native
Italian
Elementary
Timeline
Credit Portfolio Analyst
AIB Group
11.2021 - Current
Investment Data Specialist
Utmost International
08.2020 - 11.2021
Middle Office Supervisor
J.P. Morgan
05.2018 - 07.2020
Fund Accountant
SMT Fund Services Ireland
05.2016 - 10.2017
Junior Financial Analyst
Fiadex, Palma de Mallorca
10.2014 - 07.2015
Charterholder -
CFA, CFA Institute
Master's Degree - Banking and Finance
UA
Degree - Economics
UIB
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