Experience

VSK

• Russian Federation
• Insurance
• 1 - 100 Employee

• Risk assessment expert

  • Feb 2014 - Present



Sberbank

• Banking
• 700 & Above Employee

• Corporate Underwriter

  • Jun 2010 - Feb 2014

  Timely and qualitative processing of credit applications from Sberbank's subsidiary banks (medium-sized, big and largest business) in the Central and Eastern Europe (Austria, Czech Republic, Slovakia, Slovenia, Hungary, Croatia, Serbia) and Turkey (documents for the analysis and final conclusion are in English), as well as in the CIS countries (Kazachstan, Belarus, Ukraine) and making decisions on them, including.: • Independent examination of risks ( identification, evaluation and analysis) on transactions subject to credit risk, including high-risky and complex transactions in accordance with the level of the assigned category of an underwriter; • checking the package of documents obtained by an underwriter, validating the use of models (tool to determine the decision-making level, LGD model, PD model, Cash Flow model, loan calculator); • analysis and evaluation of a credit analyst's evaluation, including: - evaluation of the financial standing of the borrower / group of related entities / participants in the transaction; - assessing the economic feasibility of the project for the borrower and the bank ( for structured products); - identification of the key risks and benefits of the borrower; - analysis of adequacy and justification of assumptions set forth in the cash flow model for compliance with the current performance of the borrower/guarantor, including taking into account the use of independent industry forecasts; - stress-analysis of CF's sensitivity; - analysis of the proposed collateral, including validity of appraisal, liquidity, adequacy of the collateral and its compliance with the requested credit product. • analysis of the group's structure, including intragroup functions of participants in the transaction and distribution of cash flows within the Group; • analysis of the requested credit limits and ,if necessary, adjustment of credit analyst's proposals; • participation in the collegial bodies of the bank. . Show less