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My Professional Journey in Middle Office

My name is Melanny Torres, and I am a Middle Office Analyst at a financial institution in Colombia.

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Operations Are Managed

My role focuses on ensuring that clients meet the necessary requirements to proceed with legal credit and SARLAFT studies. Additionally, I organize all operational processes related to guarantees and payment sources to facilitate the disbursement of credits, whether through direct loans or factoring.

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My journey in the financial sector began with a strong interest in commercial operations and ensuring secure payment processes. Over time, I have gained experience in managing credit approvals, coordinating disbursements, and monitoring account activities to calculate client benefits.

I monitor credit activity and ensure that disbursements are accurately reported daily.

In my job, I perform a variety of tasks that are essential to the financial institution's commercial operations:

Client requirements are carefully reviewed by me to ensure compliance with credit and SARLAFT regulations.

Once the studies are approved, I organize all guarantees and payment sources to proceed with credit or factoring disbursements.

Savings account interest rates are calculated based on the balances maintained by clients.

Additionally, I request account openings for clients as part of the onboarding process.

Throughout my professional journey, I have accomplished significant milestones:

Key Achievements

Interest rates for savings accounts were determined based on institutional guidelines.

Credit disbursement processes were successfully streamlined to improve efficiency.

Guarantees and payment sources were effectively coordinated to ensure secure transactions.

What-If Scenarios

There are situations I often imagine in my career: If I managed a larger portfolio of clients, I would gain deeper insights into commercial strategies. If I had access to more advanced tools, I would automate client payment tracking. If I collaborated directly with external partners, I would strengthen relationships that benefit the institution.

Reflections on Missed Opportunities

Looking back, there are things I wish had gone differently: If I had taken additional training earlier, I would have implemented more efficient processes. If I had pursued an international certification, I would have expanded my career opportunities. If I had been more proactive in seeking mentorship, I might have accelerated my professional growth.

In the future, I see myself advancing further in the field of commercial operations and payment security. My goal is to enhance process efficiency and acquire certifications in commercial management and process automation. I believe that attention to detail and continuous improvement are critical for long-term success in this field.

Conclusion and Future Aspirations

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