Experience

AirPlus International

• Germany
• Financial Services
• 700 & Above Employee

• Credit Analyst

  • Jul 2022 - Present

  • Management of the assigned client portfolio; • Carrying out creditworthiness checks on business clients, • Making credit decisions within the framework of the competence order. • Analysing and evaluating credit reports from credit assessment partners. • Optimising the profit/risk ratio. • Preparation and management of collateral in accordance with the Group's internal credit guidelines. • Working with insurance companies on credit risk insurance. • Preparation and review of the transaction, including analysis and structuring according to internal ratings and presentation of high-risk credit decisions to members of the Credit Committee. Show less



maib

• Moldova
• Banking
• 500 - 600 Employee

• Corporate Banking Specialist

  • Sep 2011 - Jan 2017

  • Application of bank regulations when granting credit to bank customers, both in the actual lending and in credit-like transactions, as well as promotion of the bank's products and services; • Management of the allocated customer portfolio; • Optimization of the profit/risk ratio; • Supporting the clients in the execution of all banking transactions; • coordination of activities for the acquisition of new customers, in cooperation with the wholesale business centres; • Releasing/forwarding the documents for credit and non-credit products to the Credit Committee for approval; • Coordination and supervision of sales and marketing activities for the customer portfolio, with the support of the wholesale business centres; • Participation in discussions with prospective and existing customers, during which the Bank's products and services were presented; • Negotiation of the costs and the terms of the contract with the clients served; • preparation of indicative offers; • Preparation and review of the loan documentation, including analysis and structuring of the transaction; • Coordinate the process for approval of credit documentation with first vote; • Coordination of relationships with major customers, which also required the participation of other departments and units of the bank; • Participation in the development of new products in cooperation with other departments of the bank; Show less



ProCredit Bank Moldova

• Moldova
• Banking
• 1 - 100 Employee

• Credit Specialist

  • May 2010 - Aug 2011

  • Advising and negotiating with clients; • Identification of customer needs and appropriate banking services; • Carrying out the economic-financial analysis of companies, analysis of accounting data and financial indicators and determination of the creditworthiness of companies; • Identifying solutions to mitigate the risks associated with lending operations; • Presentation and defense of the credit project to the credit committee; • Drafting of credit agreements, mortgage agreements, pledge agreements on movable property; • Monitoring and control of the loan portfolio; • Preparation of monthly, quarterly, annual reports on the department's activity; • Identification and acquisition of new customers. Show less