Marina O. has over 20 years of experience in credit analysis and financial services, currently serving as a Corporate Credit Analyst at Volkswagen Financial Services Portugal since November 2013, where responsibilities include creditworthiness analysis, credit limit recommendations, and risk monitoring. Prior roles include Retail Credit Analyst with a focus on private and SME customer credit proposals, and positions at NCG Banco, JML - Advogados, Millennium bcp, and Montepio, where Marina O. developed skills in loans analysis, customer service, administrative support, and telemarketing. Academic qualifications include a degree in Bank Management from ISGB and language studies in Spanish.