ALAN D. MORENO 5307 32 nd Ave S, Seattle, WA 98118 206-407-9838 [email protected] EXPERIENCE CITIGROUP Guadalajara, JAL Commercial Banking Analyst, June 2011 – Dec 2014 Provide active analysis of a diversified portfolio of an average of 30 companies in the Agricultural, Retailing, Manufacturing, Food and Steel sectors Prepare analysis for potential new clients inside the target market ($1 to 100 million dollars in credit) covering a wide range of financing options such as revolvers, long term, derivatives and custom credit for special necessities such as stock repurchases and financial restructuring. Assist clients on daily operations and credit disbursements. Selected Transaction Experience Debt Restructure of one of the top 5 egg producers in Mexico Analyzed the Free Cash Flows applying a sensitivity considering the fluctuation of egg and chicken prices. Presented forecasted scenarios evaluating the optimal time horizon for the debt to be repaid limiting risk. Increase total facilities 50% for the biggest edible oil company in Mexico Evaluated the volatility of the commodities used for the oil and the correlation with the company’s products. Constructed several scenarios considering a leveraged capital structure to evaluate debt capacity while maintaining company internal rating. Leveling Collaterals among Banks with one of the top 3 furniture and home appliances retailers in the region. Detailed analysis of the Accounts Receivables to determine the viability of an increase of 60% of the total facilities to absorb the credit share of another bank with mortgage. The increased signified an expansion for Citigroup’s share in the total debt of the client from 20% to 35% with a 30% increase in total profit, plus a leveling in the collaterals seniority for all banks. CITIGROUP Guadalajara, JAL Commercial Banking Analyst, Jan 2011-May 2011 Performed Credit Analysis on a portfolio of companies from diversified industries with sales between $10 million to $15 million dollars per year. EDUCATION

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ALAN D. MORENO 5307 32nd Ave S, Seattle, WA 98118 206-407-9838 [email protected]

EXPERIENCECITIGROUP Guadalajara, JALCommercial Banking Analyst, June 2011 – Dec 2014

Provide active analysis of a diversified portfolio of an average of 30 companies in the Agricultural, Retailing, Manufacturing, Food and Steel sectors

Prepare analysis for potential new clients inside the target market ($1 to 100 million dollars in credit) covering a wide range of financing options such as revolvers, long term, derivatives and custom credit for special necessities such as stock repurchases and financial restructuring.

Assist clients on daily operations and credit disbursements.

Selected Transaction Experience Debt Restructure of one of the top 5 egg producers in Mexico

Analyzed the Free Cash Flows applying a sensitivity considering the fluctuation of egg and chicken prices.Presented forecasted scenarios evaluating the optimal time horizon for the debt to be repaid limiting risk.

Increase total facilities 50% for the biggest edible oil company in MexicoEvaluated the volatility of the commodities used for the oil and the correlation with the company’s products.Constructed several scenarios considering a leveraged capital structure to evaluate debt capacity while maintaining company internal rating.

Leveling Collaterals among Banks with one of the top 3 furniture and home appliances retailers in the region.

Detailed analysis of the Accounts Receivables to determine the viability of an increase of 60% of the total facilities to absorb the credit share of another bank with mortgage.The increased signified an expansion for Citigroup’s share in the total debt of the client from 20% to 35% with a 30% increase in total profit, plus a leveling in the collaterals seniority for all banks.

CITIGROUP Guadalajara, JALCommercial Banking Analyst, Jan 2011-May 2011

Performed Credit Analysis on a portfolio of companies from diversified industries with sales between $10 million to $15 million dollars per year.

EDUCATIONUNIVERSIDAD DE GUDALAJARA Guadalajara, JALMasters in Finance 2014-Present

University Exchange with the University of Washington inside the MBA program at Seattle, WA.

INSTITUTO TECNOLOGICO Y DE ESTUDIOS SUPERIORES DE MONTERREY

Guadalajara, JAL

Business Administration and Finance (GPA 3.4) 2007-2011 Track and Field Champion from (2008-2011), College Best Athlete (2011) and 1 of only 3 student athletes to

have a Full Athletic Scholarship. Citigroup training courses Risk Analytics and Early Warnings (DF,MEX)

PERSONAL Interests include Outdoor Sports, Swimming, Movies, Gym and Nature. Basic French and Spanish as native language. First Mexican in history to enter a “finals” in a world competition for Discus (Track and Field) in 2008. Member of National Track and Field team (2007-2011) Volunteer for Banamex (Citigroup) social program “Saber Cuenta”