Ana María Jara Ayala

Paul Harris # 1099, Las Condes

Santiago – Chile

(56-02) 2291522

Cel: 08-5969909

SUMMARY OF QUALIFICATIONS

University degree in Business and Commercial Engineering from the Universidad Central de Chile.

MBA in Marketing and Business Management from the ESEM School, Madrid, Spain.

Strong professional experience in business generation and retail credit risk.

Proven track record in human resources management with strong leadership skills and the drive to succeed, both as an individual or part of a team.

Ability to remain calm under pressure and to relate to people at any level of business and management.

Innovative and effective problem solver, with solid experience in planning, developing and implementing projects and processes in order to reach the corporate objectives.

Able to relocate / travel as needed and with great capacity to adjust to new cultures and different countries. Bilingual: English and Spanish.

PROFESSIONAL EXPERIENCE

Scotiabank Sud Americano

Reengineering and Quality Manager: March 2005 to August 2008

  • Responsible for planning, developing and monitoring the development and implementation of projects requested by the Manager of the Operations Division, guarding strategic guidelines in force, with the aim of achieving the planned levels of productivity, cost savings and process improvement, according to the standards of quality, efficiency, timeliness and safety defined. Among the most successful projects is Internal Quality of Service, which I was manager and leader since its inception, and was first applied to the entire group Scotiabank Sud Americano in 2007. Today it´s an strategic project of Scotiabank.

Scotiabank Sud Americano

Dealer Finance Center Risk Manager: Oct. 2005 to March 2005

  • Responsible for making decisions and resolving nationwide credit for segment

of Retail and Commercial Banking of the Centre for Automotive Finance, planning and managing the overall process from its origination until the final disbursement, ensuring the optimization of quality of the respective portfolio. Achieves extensive knowledge of the Automotive Market and its participants.

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Scotiabank Sud Americano

MERC Manager (Risk Retail): July 2000 to Oct. 2005

  • Responsible for the evaluation of retail credit operations for the whole country (52 branches)
  • Daily relationship management with all branches.
  • Key role in the centralization of retail lending underwriting (MERC: Centralized Retail Loan Adjudication Centre).
  • Main responsibilities include the credit adjudication process and credit quality control.
  • Participate in developing credit policy proposals.

Banco Sud Americano

Call Center, Direct Marketing and Retail Evaluation Center Manager Jan. 1999 to Jan 2000

  • Responsible for evaluating operations from external sales forces (indirect channels).
  • Call Center: responsible for the administration of customer service and support, with 33 operators under supervision.
  • Managed the re-implementation of system of Data mining SASAM.
  • Responsible for the results of Telemarketing campaigns.

Grupo Santa Fe Empresas.

Commercial ManagerSeptember 1997 to Dec. 1998

Group of enterprises, with a diversified portfolio, related to areas like: Telecommunications, Building Projects, Mortgages Financing. Also retail financing for its telecommunications products.

Responsible for the commercial results of Ditelco (Telecommunication Company) and for Quasar Import-Export (Importer of Building products).

Also, participates in the administration of the rest of the companies of the group, as an adviser in the financial affairs, marketing policies and strategists.

Banco Corpbanca

Commercial Relationship Officer (Ejecutiva Banca de Empresas) Jan. 1996 to September 1997

  • Responsible for the administration of a portfolio of 300 enterprises
  • Successful results in terms of level of business with her portfolio.
  • Responsible for Business accounts, electronic banking, cash management and investment services.
  • Full manage of Working capital, leasing, dealer financing, alternate financing Letters of credit, documentary collections, cross-border guarantees.
  • These responsibilities include: identifying opportunities, examining clients' requirements, financial analysis, structuring of appropriate solutions, preparing credit recommendations, managing the credit process and negotiating loan documentation

VERITAS SA

Key Account Manager: March 1995 to Dec. 1995

  • Company related to Advertisement (member of the 10 more important Add Agencies in Chile).
  • Responsible for two main Accounts: KINO and CB Group.
  • Advisor in aspects like: corporate image (CB Group), relations with TV, Press, radio and events production for Loteria Chile (KINO).

EDUCATION

Universidad Central de Chile

Commercial Engineer, mention in Business Administration (5 years).

ESEM School, Spain :

MBA in Marketing and Commercial Management. Graduated with

Honor (maximum Degree in final Exam). Madrid, Spain.

High and Middle School

Graduated from Santiago College, Santiago Chile

Part of high school (2 years), were in Seoul, South Korea (her father was a diplomat).

Part of middle school (2 years) were in Madrid, Spain.

TRAINING COURSES

Different courses of management, leadership, risk, marketing planning during her

career in Scotiabank and other companies.

Also, was a University teacher in two subjects: Marketing and Administration in 1996-

97.

LANGUAGES

Fluent spoke/wrote Spanish and English

COMPUTER SKILLS

Software :MS Office XP, Windows XP (user level).