Julio Alberto Loaiza Avila is a seasoned finance professional currently serving as a Senior Credit Analyst at CHG-MERIDIAN since October 2023. Previously, Julio held positions including Credit Assessment Manager at ICBC Mexico and Senior Underwriter at Element Fleet Management, where responsibilities included approving credits up to US$5 million. Julio's extensive experience in credit analysis and underwriting began at Banamex and includes roles at CF Credit and Banregio, focusing on both quantitative and qualitative assessments of client creditworthiness. Julio holds various academic qualifications, including a Diplomatura in Financial Risks from Tecnológico de Monterrey and a Licenciatura in Business Administration from Universidad Tecnológica de México.