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Desislava Stoitchkov is a seasoned finance professional with expertise in risk management, credit analysis, and portfolio optimization. She has worked at top institutions such as Inter American Development Bank, Citi, and United Bulgarian Bank, leveraging her skills in creditworthiness analysis, macroeconomic forecasting, and financial planning. With an MBA from Huron University USA in London, UK, and a Master in International Economic Relations from the University of National and World Economy in Sofia, Bulgaria, Desislava has developed a strong foundation in finance and economics. She is a skilled leader with experience in managing teams, promoting financial integrity, and delivering solutions related to efficiency and prospect development. Desislava is currently based in Gaithersburg, Maryland, United States.

Experience

  • United Bulgarian Bank
    • Sofia, Bulgaria
    • Senior Relationship Manager
      • Sep 2010 - Jun 2011
      • Sofia, Bulgaria

      - Managed stable and long-lasting client relationships.- Identified and attracted new potential clients in need of financing.- Conducted creditworthiness and creditability client analysis.- A member of the Credit Committee established to approve loans.- Plaid leadership on extending credit and treasury products to the clients.- Performed sophisticated collateral management analysis.- Identified opportunities to grow and develop the business.- Led initiatives to deliver solutions related to greater efficiency and prospect.

    • Treasury Risk Management Consultant
      • Apr 2008 - Dec 2008
      • Washington, DC, USA

      - After assessing the Multilateral Development Banks investment trading models, assigned risk management policies in written analyses in relation to Basel II.- Recommended a best practice model based on the banks functional investment methodologies and techniques applied internally.- Performed structuring risk analyses over the liquid investment treasury portfolio.- Collected data and utilized statistical calculations to estimate economic interest rate risk and ensure portfolio compliance within risk limits according to policy.- Developed equity and debt economic and statistic correlation risk analyses.- Conducted testing on an application measuring the investment portfolio loss probability and evaluated its practical advantages and disadvantages in use. - Negotiated the terms of a Master Derivative Agreement for a loan in Peru.- Observed the latest market trends in the institutional securities credit rating.

  • Citi
    • Baltimore, MD, USA
    • Lead Manager, Financial Planning
      • Feb 2005 - Dec 2007
      • Baltimore, MD, USA

      - Managed liquidation trend analyses of diversified portfolio of consumer loans.- Utilized regression analyses in estimating the portfolios economic credit risk. - Constructed risk analyses of database SAS and VBA management.- Evaluated the return on alternative investment of contingency source of funding.- Built sophisticated empirical models through Excel reengineering.- Created training manual with the major programs utilized in the department.- Worked in teams to promote the bank’s financial integrity and client success.- Honored the principles of innovative products and inspiring work environment. - Engaged in respecting diversity and leadership sponsoring programs.

  • York International
    • York, PA, USA
    • International Treasury Analyst
      • Oct 2002 - Aug 2004
      • York, PA, USA

      - Analyzed a multi-currency cash pool system to ensure best utilization of trade liquidity and effective management control. - Observed the macroeconomics exchange rate factors and developed derivative strategies to mitigate the global company market risk.- Guided the foreign affiliates along the macroeconomic forecasting process.- Executed front-, middle- and back-office activities.- Traded foreign currency and commodity derivative transactions to hedge the exposure according to policy.- Coordinated the multilateral net settlement of the derivative transactions.- Maintained the FAS 133/138 GAAP Accounting for Derivative Transactions and Hedge Instruments and the monthly reporting deriving from it.- Participated in designing procedures in compliance with Sarbanes-Oxley.

Education

  • 1999 - 2000
    Huron University USA in London, UK
    MBA, International Finance and Economics
  • 1992 - 1997
    University of National and World Economy - Sofia, Bulgaria
    Master, International Economic Relations

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Industry Focus. “Financial Services”

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