NOVO BANCO
Ricardo Miguel is a seasoned Trade-Finance Specialist at NOVO BANCO since 2012, with responsibilities including the analysis of various types of Letters of Credit, structuring commercial operations related to Export Documentary Credits, and controlling SWIFT messages. Prior experience includes a decade at Banco Espírito Santo S.A. as a Comercial Manager, where accountability extended to sales planning, retail contract analysis, customer negotiations, and lead management through CRM systems. Earlier experience at Caixa Geral de Depósitos involved technical support in payment systems, including credit recovery and fraud control. Ricardo holds a degree in History from Universidade Aberta.
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NOVO BANCO
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novobanco is a reference in the Portuguese financial system, recognized by it´s high standards of service quality and commercial dynamics with which its Clients, Individuals, Companies and Institutions are served. Assures a wide coverage of clients financial needs, acting in a transversal way in all areas of financial services, such as Corporate Banking, Asset Management and Insurance. In Portugal, novobanco has a vast network of branches, business centers and an excellent service - "Linha Direta", and one of the most innovative homebanking service systems - "novobanco" Online. The Group’s international network, provides an all-inclusive service to its clients, namely to the Portuguese exporting companies and emigrant community.