Josefina Ruiz is a dedicated Credit Analyst II at Meridian Financial Group, where she leverages her keen analytical skills and five years of industry experience to assess and manage credit risk for a diverse portfolio of clients. Known for her meticulous attention to detail and strategic insight, Josefina has successfully reduced default rates by 15% through the implementation of innovative credit assessment models. She holds a Master's degree in Finance from the University of California, Berkeley, and is passionate about mentoring junior analysts in data-driven decision-making. Outside of work, Josefina is an avid traveler and volunteers with local financial literacy programs to empower underserved communities.More...