Jose Ernesto Cross Guerra
Credit Officer @American Capital Financial Group
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WORK HISTORY
Credit Officer @American Capital Financial Group
Miami, FL, US
Supporting underwriting and execution of trade-finance and asset-based lending facilities from approval through disbursement.Structuring client credit lines and overseeing operational draw mechanics, documentation flow, and funding readiness.Analyzing and reviewing credit memos and transaction summaries prior to submission to funding partners.Act as a control point between origination, underwriting, and funding to ensure clean and compliant capital deployment.
EDUCATION
St. Michael's School
High School Diploma
Florida International University - College of Business
Bachelor in Business Administration, Finance, lnternational Business
Universidad Iberoamericana
Bachelor of Business Administration - BBA, Administración y gestión de empresas, general
ABOUT JOSE ERNESTO CROSS GUERRA
From an early age, I have been deeply intrigued by the dynamics of financial markets, the flow of capital, and the decision-making processes that influence global economies. What began as a genuine curiosity has developed into a focused passion for the financial industry, one that continues to drive my academic and professional pursuits.Now in the final year of my International Business & Finance degree at Florida International University, I’m more driven than ever to turn that passion into a meaningful career. My interests lie especially in risk management and the securities market, areas that challenge me intellectually and have been the focus of my past work experiences. I recently passed the Securities Industry Essentials (SIE) exam by FINRA, a milestone that has strengthened my foundation in financial concepts and regulation. I\'m now preparing for the CFA Level I exam, aiming to further sharpen my analytical and ethical understanding of global finance.I believe in gradual progression, questioning everything, and surrounding myself with people and experiences that push me forward. Whether through coursework, certifications, or real-world exposure, I’m committed to learning all I can and contributing wherever I go. At the end of the day, I’m not just building a career, I’m chasing a lifelong dream to make an impact in an industry I love.
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