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Career Profile

Degree: Master's Degree
Career Level: Fully Competent
Occupation: Business and Finance
Career Title: Credit Analysts, Loan Officers, Financial Analysts
Target Title: Cosumer banking manager, Asset backed loans manager
Target Locations: washington, DC , rockville, MD , baltimore, MD
Skills: Leadership Finance;Finance Manager Experienced;
ALBERTO SANDINO is Cosumer banking manager, Asset backed loans manager(Business and Finance) from MANAGUA,MANAGUA Nicaragua.


BAC Credomatic Managua, Nicaragua
Industry: Banking services
02/2002 - current
General Manager
Sixteen years experience in Inventory Financing, managing asset-backed loans as General Manager, and corporate and consumer loans as credit officer in Nicaragua.
• Manage all aspects of a loan portfolio of $ 60 million (yearly average) of asset backed loans. Assets (or Inventory), serve as collateral for the loan if the business does not sell its products and cannot repay the loan. Inventory is Coffee (Green coffee beans), Sugar (Raw), Rice (Rough grain). • Manage 3 different staffs (thirty persons): Field supervisors and operators staff: This teams are in charge of monitoring Inventories. Administrative staff: In charge of administrative aspects. Accountants and treasury staff: In charge of financial statements preparation and register operations. • Control cash flow aspects, account receivables (of services provided). Oversee internal and external audit supervisions, regulator supervisions and ISO 9001 Supervisions.
BAC Credomatic Managua, Nicaragua
Industry: Banking services
02/2002 - 03/2003
Credit officer
1 year experience as Consumer Credit Officer. 1 year additional as Corporate credit officer, as part of training for next position-General Manager (Backed assets loans company)
• Led consumer banking team to increase car loans from $ 47,000 to $ 905,000 in monthly loans in a three months period. Managed mortgage and corporate customer loans. • Developed a plan to start a Inventory Financial Company (Almacén Financiero BAC). Led due diligence to its approval, and started operations. Almacén Financiero BAC is a government regulated company.
Nicaragua Sugar Estates LTD Chinandega, Chinandega Nicaragua
Industry: Agribusiness
06/1997 - 12/1999
Field Supervisor
Field supervision, budget and personnel managing. Forestry investigation and planning.
• As field engineer developed inventory and wood measurement system for 4,000 hectares of eucalyptus plantations. This forest area was in a renewable energy project in Nicaragua. • Prepared project annual budgets, structured and designed a contract/personnel program.


02/1992 - 06/1996
Degree: Bachelor's Degree
UNA is a nicaraguan university focused in agribusiness. For more information please visit
INCAE Managua, , Nicaragua
02/2000 - 06/2001
Degree: Master's Degree
Major:Business Administration
INCAE business school is an educational institution located in Nicaragua and Costa Rica (one campus per country). Incae several accreditations: SACS (Southern Association of colleges and Schools, AACSB (Association to advance Collegiate Schools of Business), AMBA (Association of MBAs), EQUIS (Europe), for more information please visit

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