Experience

Halkbank AD Beograd

• Serbia
• Banking
• 200 - 300 Employee

• Senior Corporate Credit Approval Officer (Underwriter)

  • Oct 2021 - Present

  • Assessment and monitoring of credit risk according to regulatory and internal risk policies on a portfolio of corporate clients. Interaction with different Departments a as part of the corporate credit process • Risk assessment (debt repayment capacity, industry risk, compliance risk, collateral position etc) in order to support Credit Committee decisions regarding corporate debtors adequacy of the proposed financing and monitoring of existing exposures • Assessment and monitoring of credit risk according to regulatory and internal risk policies on a portfolio of corporate clients. Interaction with different Departments a as part of the corporate credit process • Risk assessment (debt repayment capacity, industry risk, compliance risk, collateral position etc) in order to support Credit Committee decisions regarding corporate debtors adequacy of the proposed financing and monitoring of existing exposures



OTP banka Srbija

• Serbia
• Banking
• 700 & Above Employee

• Advisor for early collection from corporate clients, Debt Management Directorate

  • Mar 2017 - Oct 2021

  Dealing with the debtors - legal entities with financial difficulties and/or forborne status, 90+dpd, unlikely to pay status, companies in reorganisation. In general the companies with lack or low debt repayment capacity. Drafting Strategies, Action plans and Credit Proposals. Reporting to the Credit Board at Credit Board sessions. Credit proposals are drafted when it is economically justified – proposing various types of modifications - rescheduling/reprograming of liabilities with tailor-made schedule plans according to the specificities of business model of the company in sense of seasonality, industry type, specific business concept in terms of working capital management and similar with the purpose to enable the company to fully repay liabilities by matching them with cash flow and/or creating NWC by extending the maturity of the facility. Performing financial analysis of the debtor (members of the Group, Guarantors and any entity which has severe impact to the financial operating of the debtor), consolidated financial statements, trial balances, cash flow projections, deep examinations of buyers and suppliers. Dealing with various legal issues (in coordination with Legal Department) especially regarding collateralization, specific methods of repayment and similar. Regular monitoring the status of a debtor (reviews, memos, keeping the pace with any alarming news or information on the market). Creating scenarios for individually impaired clients. Maintenancing full relationship with the debtors. Active role in due diligence process for Corporate Division (acquisition of Societe Generale Bank Serbia by OTP Group) Show less



Alpha Bank Serbia

• Banking
• 1 - 100 Employee

• Credit / Financial Analyst, Wholesale Banking Business Unit

  • Jun 2008 - Mar 2017

  Analysis of financial standing upon financial statements and key performance indicators of large and medium legal entities which operate in all types of industries, including consolidated report analysis, cash flow projections, project finance, deep analysis of buyers and suppliers of the company, examination of the influence of specificities of the business concepts onto the financials Advanced knowledge in quantitative methods. Qualifying various kinds of risks that the company might be exposed to - credit, financial, regulatory, operating, reputation, industry risks, identifying forecasts in operating trends referring predominantly to the ability of the company to dully settle its liabilities toward the Bank i.e. liquidity issues, notifying eventual diversification and mitigate factors in hedging the risk. The estimation of the market position and competitors with industry analysis Meetings with corporate Clients assessing possible or enhancing current cooperation Good knowledge in corporate products Member of due diligence team for corporate division issues (process of selling of Alpha Bank)Courses attended:25-28 September 2016 Organisation: Paragraf LexThe novelties in financial regulative of public and private sector Deep and comprehensive analysis of novelties in Law on Accounting, Law on mortgage, Law on Public Enforcement, Law on Tax Procedures, Law on FX Payment Operations etc. with possible consequences onto the daily practice of companies and budgetary institutions. January 2010-2016 Organisation: Privredni savetnikOne of the best-known consultant company in Serbia in the area of financial topics organises seminars at the beginning of every year, analysing existing and new regulations predominantly regarding financials of the companies (composing financial statements, tax procedures, specificities of financials within certain industries and similar) Show less

• Officer, Corporate Banking Division

  • Oct 2006 - Jun 2008

  Special purpose deposits and Escrow Agreements of corporate Clients (drafting the Contract, entering data into the software). Monitoring and following up the full cycle of the special purpose term deposit. Reporting on the profitability via creating Business Relationship Reports between the Client and the Bank (payment operations, exposures, earned profits, liabilities fallen due and similar)During the apprentice period I was performing a variety of administrative duties relating to core business as a Personal Assistant of Manager of Corporate Banking Division. Also I was involved in translating of Group procedures and standards for local implementation Show less



Jefferson Institute

• United States
• Think Tanks
• 1 - 100 Employee

• Program Coordinator

  • Mar 2006 - Jun 2006

  Preparing, analyzing statistics and stock exchange reports. Research studies in various economic fields. Organizing seminars, conferences and similar events. Author of the awarded study: “Developing and enhancing tourism in Serbia by investing in human resources” The contest was organised by Belgrade Open School as a final test under the Seminar with the main topic how to produce the most quality Policy Paper in the sense of its effectiveness in the existing political and economic reality. Show less



German Foundation: “Friedrich Naumann Stiftung”, Belgrade Office

• Belgrade

• Business Administrator

  • Mar 2003 - Mar 2006

  Business administration, bookkeeping, preparing business documents for booking and corresponding administrative issues. Translating various political and economic texts. Business administration, bookkeeping, preparing business documents for booking and corresponding administrative issues. Translating various political and economic texts.