Joe Álvarez Astoray

Financial Analyst and Economist expert in credit analysis, financial modeling, and portfolio management. Skilled in analytical and strategic
thinking, I efficiently optimize financial solutions to achieve goals. I excel in teamwork and communication, collaborating with colleagues and
simplifying complex financial concepts for all audiences. With a resilient approach to high-pressure financial environments, I make sound
decisions under stress. Currently pursuing my CFA certification, I am committed to advancing my expertise in finance, asset management and
risk assessment. Proficiente in Excel, Power BI and Python.

BBVA | February 2024 - August 2024

Financial Services Associate – Commercial Banking
Advised retail clients on investment products including DCs, structured deposits and mutual funds
(both equity and fixed income), adapting recommendations to individual risk profiles and goals.
Conducted credit analysis on corporate borrowers, assessing their credit ratings, financial stability,
and ability to meet loan obligations, playing a key role in supporting loan approval decisions.
Played an active role in the relationship management process by advising clients on financing
products such as personal and mortgage loans, ensuring alignment with their financial needs.
Provided guidance on various insurance products, offering holistic financial planning that included
risk management solutions.

Borrosa Group | April 2023 - December 2023

Accounting Assistant
Accurately recorded income and expense entries using A3ASESOR accounting software, ensuring
full compliance with accounting standards and company policies.
Tracking and monitoring financial data through Excel spreadsheets, providing detailed analysis that
assisted in budgeting and forecasting efforts.
Assisted in the preparation of financial statements and reports, ensuring accuracy for financial
planning and decision-making.
Collaborated with other departments to gather financial data, providing support for budgeting and
financial review processes.

Academia Romalba | September 2019 - June 2020

Math Tutor
Mathematics instructor for Economics and Business Administration students, teaching differential
calculus, integral calculus, linear algebra, optimization, and dynamic systems.

Europ Assistance | February 2019 - September 2019

Accountaning & Financial Analyst (internship)
Managed invoice accounting using SAP software, ensuring that all transactions were accurately
recorded and processed. Supported the accounts payable and accounts receivable functions,
ensuring all financial records were up to date.
Monitored company expenses and provided detailed financial tracking using Excel spreadsheets,
assisting in the oversight of operational costs.
Assisted in preparing financial reports and provided relevant data for internal audits and financial
reviews.

MSc in Economics 2020 - 2022 | University of Manchester, UK

Master’s Dissertation on the effect of abortion legalization on crime rates. Conducted a comprehensive analysis of the topic using a Difference in Differences (DiD) methodology and applied advanced statistical technics and utilized R programming for data analysis and visualization while demonstrating strong research capabilities and a deep understanding ofeconometric modeling and causal inference.

BSc in Economics 2015 - 2019 | Universidad Complutense de Madrid
Graduated with distinctions in key subjects such as Macroeconomy, Microeconomy, Economic Growth, Mathematics, Statistics, Econometry, Finance and Monetary Economy.

Chartered Financial Analyst (CFA)
Program, Level I candidate
Expected Nov. 2025

Investment and Portfolio Management
Specialization

Private Equity and Venture Capital

CAFI - Certification in Investment Fund
Advisory and Regulatory Compliance

Excel: PivotTables and Pivot Charts

Excel Business Intelligence: Power Query,
Data Modeling, Power Pivot and DAX

Power BI: Data Modeling with DAX

Power BI: Advanced

Python Data Analysis