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Ricardo Murillo is an experienced commercial leader in the financial sector, currently serving as Jefe Comercial at Credicomer Sociedad de Ahorro y Crédito since January 2014, focusing on business segment growth in northern El Salvador. Previously, Ricardo held roles as a Corporate Analyst and Executive for Corporate Business and Special Lines at Credicomer, where responsibilities included credit analysis for various business sizes and providing comprehensive product portfolios to clients. Prior experience also includes a role as a Specialist in Empresas at Banco Davivienda, overseeing SME credit placements and managing client relationships across multiple agencies. Ricardo's career began at Banco ProCredit as a PYME Business Executive, progressing from an account executive to a specialized role in informal sector analysis and debt management. Education was completed at Universidad Francisco Gavidia.