Experience

Mercedes-Benz Bank Rus

• Russian Federation
• Motor Vehicle Manufacturing
• 1 - 100 Employee

• Senior Credit Analyst

  • 2021 - Present



Volkswagen AG

• Germany
• Motor Vehicle Manufacturing
• 700 & Above Employee

• Financial Credit Analyst

  • May 2018 - Nov 2020

  Conducting comprehensive financial and cash flow analysis of corporate clients (leasing / factoring). Collecting additional information from clients if needed regarding financial items and group background. Preparing recommendations for ensuring proaсtive risk management. Preparation of the credit opinion according to the analysis results to process clients’ applications on the Credit Committee. Conducting comprehensive financial and cash flow analysis of corporate clients (leasing / factoring). Collecting additional information from clients if needed regarding financial items and group background. Preparing recommendations for ensuring proaсtive risk management. Preparation of the credit opinion according to the analysis results to process clients’ applications on the Credit Committee.



American Express Bank (Russia)

• Risk Analyst

  • Nov 2016 - May 2018

  The Initial stage of the credit / risk analysis of corporate clients, including financial analysis, market analysis, performance and business analysis, in compliance with CBR expectations and Global American Express policies; and in preparation for the risk assessment.Monitoring the credit portfolio of the Bank, including preparation of quarterly professional judgments on the borrowers’ financial status and preparation of monthly professional opinions on the assessment of banks/counterparties;Performing monthly report about the Quality categories of the loans under the credit portfolio of the Bank to the Accounting department for implementation i.e. actual reserve creation.Participating in development and implementation of new credit products;Preparations of documents for Credit committee for approval by the Credit committee;Supporting the admin update of all relevant Policies and Procedures in accordance with the requirements of CBR Regulations # 254-P and # 283-P and business needs Interaction with the regulators on the local credit legislation (CBR, tax authorities) in frame of audits/reviews and correspondence;Revision of internal credit instructions.



RBS International

• Jersey
• Banking
• 700 & Above Employee

• Senior Officer of Commercial Lending

  • Sep 2013 - Jun 2016

  - providing all interested bank departments and clients with the proper advice on loans and related matters;- preparation of loan documentation including but not limited to: loan agreements, suretyship agreements, internal loan documentation, other relevant documentation flow and coordination of signing process;- input and further maintenance all credit facilities/credit limits and collaterals in relevant systems (Diasoft and Score);- processing of loans in back office systems as Diasoft and Score (timely repayment execution of principal and interest amounts, end of month interest accrual, delinquency accounting, commission payments and etc.);- reconciliation of loan transactions in back office systems (Diasoft, Score, Prisme), investigation of discrepancies and removal of these breaks;- loan loss provisioning process (definition of debt quality and group of risk for each corporate borrower in line with 254-P and 283-P Central Bank requirements); preparation of professional opinions;- maintenance and monitoring of the facility conditions;- preparation of management reports, Credit History reports;- preparation of Swift messages (MT 199 and 799);- response to requests from clients, departments of the Bank, CBR, Audit companies.My achievements are:- development of business requirements, testing and successful implementation of non-standard modifications in the Diasoft system, thereby reducing the time for performing back-office operations,- writing the macro using Microsoft Visual Basic. As a result is automatical creation of professional judgment for each borrower,- successful cooperation with Bank departments, accumulation of the necessary information / documentation and provision of timely response to requests from the Central Bank of the Russian Federation,- successful interaction and organization of interns' work. It's allowed to make inventory of more than 4,000 credit files during 3 weeks.



Promsvyazbank

• Senior Officer of Credit documentation preparation department

  • Aug 2012 - Sep 2013

  - check of the completeness and correctness of credit files;- preparation of credit and collateral agreements (revolving / non-revolving credit lines, term loans, overdrafts, credit agreements, surety agreements, pledge agreements, mortgage agreements);- transaction management for SME loans, relevant accounting data input in a local system (New Athena);- close collaboration with The fund of small business credit assistance and the State Registration Chamber;- preparation of reports.My achievements are:- preparation of credit and collateral agreements with non-standard conditions,- teaching the structure and procedures to 5 new colleagues.



Belorussian bank for small business

• Loan administration officer

  • Aug 2011 - Jul 2012

  • сheck the completeness and correctness of credit files;• consulting clients (SME) on credit agreements;• preparing credit agreements;• opening accounts;• reflecting credit operations in accounting;• preparing accounting reports;• communication with Customers;• loan loss provisioning process.My achievements are:- successful loan maintanance (my credit portfolio included 118 credits),- successful communication with customers (including VIP-clients). • сheck the completeness and correctness of credit files;• consulting clients (SME) on credit agreements;• preparing credit agreements;• opening accounts;• reflecting credit operations in accounting;• preparing accounting reports;• communication with Customers;• loan loss provisioning process.My achievements are:- successful loan maintanance (my credit portfolio included 118 credits),- successful communication with customers (including VIP-clients).