Roald Gjermani

Manager, Applications Department at Facilization
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Contact Information
us****@****om
(386) 825-5501
Location
AL
Languages
  • English Professional working proficiency
  • Italian Limited working proficiency
  • Albanian Native or bilingual proficiency
  • Greek Elementary proficiency
Skills

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Credentials

  • Product Management with Lean, Agile and System Design Thinking
    Boston University
    Apr, 2020
    - Nov, 2024
  • IELTS
    British Council

Experience

  • Facilization
    • Albania
    • IT Services and IT Consulting
    • 1 - 100 Employee
    • Manager, Applications Department
      • Jul 2020 - Present

    • Lead Consultant
      • Sep 2014 - Jul 2020

  • Crédit Agricole Albania Bank
    • Tirana
    • Head of Risk Reporting & Analysis Department
      • Jun 2012 - Sep 2014

      Project Management on Credit Risk Area in cooperation with IT Division and/or outsourced parties (implementation of new projects designated by the Parent Group such as BASEL II/III indicators, Credit Risk Reporting Systems, collection Systems) Issue opinions on the evolution of main risk indicators (NPL evolution, NPL coverage ratio, Cost of Risk) and present those to relevant authorities (Bank Management & Group Risk Directorate in Paris) Preparation of Credit Risk Indicators (Restructured loans evolution and efficiency, TOP10 Biggest Exposures, analysis of NPL exposures by year of generation, concentration on economic sectors) and present them to Board of Directors Meeting Issue periodic opinions on conventions regarding the calculation of interest rate risk and liquidity risk Assist the Business Lines with the preparation of Risk Strategy Assist the Bank Business Plan and Budgeting Scenarios (Risk Figures) Prepare the necessary documentation of provisioning results and present them for validation to relevant authority (Sensitive Affairs & Provisioning Committee) Member of Risk – Accounting Reconciliation Committee

  • Emporiki Bank Albania, Credit Agricole Group
    • Banking
    • 1 - 100 Employee
    • Risk Management & Permanent Control Specialist
      • Feb 2010 - Jun 2012

      Preparation, design (automation) and analysis of Risk Reports Support the Bank Management through preparation of ad-hoc reports using Data warehouses, OLAP cubes and Pivot Tables.Implementation of Group Policy of Provisioning (IFRS)Credit Portfolio Classification & Provisioning according to Bank of Albania regulationsReporting according to BASEL II Standards, calculation of Risk Weighted Assets (Credit Risk)Analysis of Key Risk Indicators of Collection SystemsDaily monitoring of inter-banking limits according to Bank of Albania regulations Reporting, reconciliation and utilization of Credit Registry on frequent basis (including reconciliation with SRU and reporting to Bank of Albania Credit Register Office)

    • Risk Management & Permanent Control Assistant
      • Oct 2007 - Feb 2010

      Preparation and monitoring of Overdue Portfolio AnalysisAssist the preparation of various reportsAssist the calculation of default loans bucket, Doubtful Coverage Ratio and Cost of Risk figuresDaily upload of Credit Register files to Bank of Albania Database

Education

  • Universiteti i Tiranës
    Bachelor & Master of Science (M.Sc.), Finance
    2003 - 2007

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