Experience

Fransabank SA

• Banking
• 1 - 100 Employee

• Deputy Manager corporate department

  • Jan 2021 - Present

• Senior Credit Risk Analyst & team leader

  • Jan 2014 - Sep 2022

  Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.Prepare reports that include the degree of risk involved in extending credit or lending money.Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.Confer with credit association and other business representatives to exchange credit information.Complete loan applications, including credit analysis and summaries of loan requests, and submit to loan committees for approval.Generate financial ratios, using computer programs, to evaluate customers' financial status.Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.Consult with customers to resolve complaints and verify financial and credit transactions.Review individual or commercial customer files to identify and select delinquent accounts for collection.Analyze financial data such as income growth, quality of management, and market share to determine expected profitability of loans.Suggesting ways to improve client services and satisfaction.Develop and build relationships with VIP customers to support their project requirements, follow up on customers’ feedback and improve business processes. Show less

• Senior Credit Risk Analyst

  • Mar 2010 - Jan 2014



private bank

• Credit Analyst

  • Mar 2006 - Mar 2010