Experience

Sparkasse Bank AD Skopje

• North Macedonia
• Banking
• 200 - 300 Employee

• Head of Credit risk and Workout Division

  • Jul 2023 - Present

  Duties and responsibilities:  Managing Credit Risk activities in Corporate and Retail segment;  Underwriting - Credit application analysis, initial approval, annual re-approval, conditions review;  Decision on loan applications within the given level;  Customer rating and credit portfolio review;  Managing early collection activities trough established in-housed Call- center Unit;  Managing late collection activities (NPL portfolio, restructuring exposures, exposures… Show more Duties and responsibilities:  Managing Credit Risk activities in Corporate and Retail segment;  Underwriting - Credit application analysis, initial approval, annual re-approval, conditions review;  Decision on loan applications within the given level;  Customer rating and credit portfolio review;  Managing early collection activities trough established in-housed Call- center Unit;  Managing late collection activities (NPL portfolio, restructuring exposures, exposures assigned to competent enforcement agents or authorized attorney firms, repossession/foreclosure actions, NPL portfolio sales activities) including such as highly complex in nature, in line with credit risk management objectives;  Actively involved in provisioning, forecasting and budgeting process; including special projects and reporting as situations demand;  Managing SPV companies in function of solving defaulted exposures;  Developing action plans to mitigate credit losses;  Amendment proposal for development of ongoing policies, procedures, guidelines and instructions for the Division and other risk relevant topics;  Intensive communication with external parties (such as banks, lawyers, executors, relevant public or financial companies, or other relevant companies, member of Macedonian Banking Association). .

• Head of Workout and Collateral Management Directorate

  • Jul 2014 - Present

  Duties and responsibilities:  Managing WO team divided in three departments - Early Collection, Late Collection & Collateral Management; reporting directly to the CRO of the bank;  Managing early collection activities (large corporate client excluded) trough established in-housed Call- center Unit;  Managing late collection activities (NPL portfolio, restructuring exposures, exposures assigned to competent enforcement agents or authorized attorney firms, repossession/foreclosure… Show more Duties and responsibilities:  Managing WO team divided in three departments - Early Collection, Late Collection & Collateral Management; reporting directly to the CRO of the bank;  Managing early collection activities (large corporate client excluded) trough established in-housed Call- center Unit;  Managing late collection activities (NPL portfolio, restructuring exposures, exposures assigned to competent enforcement agents or authorized attorney firms, repossession/foreclosure actions) including such as highly complex in nature, in line with credit risk management objectives;  Managing SPV companies in function of solving defaulted exposures;  NPL portfolio sales activities;  Recommending and implementing , and developing plan for liquidation of collateral;  Developing action plans to mitigate credit losses;  Responsible for collateral end – to - end process within Collateral management Department; Process of initial valuation and annual revaluations for all type of collaterals; Group and local relevant collateral reporting requirements;  Actively involved in provisioning, forecasting and budgeting process; including special projects and reporting as situations demand;  Intensive communication with external parties such as lawyers, executors, relevant public or financial companies, or other relevant companies;  Amendment proposal for development of ongoing policies, procedures, guidelines and instructions for the Division and other risk relevant topics.

• Credit Risk Department

  • May 2012 - Jun 2014

  Duties and responsibilities:  Underwriting - Credit application analysis, initial approval, annual re-approval, conditions review;  Decision on loan applications within the given level;  Customer rating;  Credit sub-sequential conditions fulfillment monitoring;  Early collection back office management with corporate clients (LLC, SME and micro), workout excluded;  Due dilligence on clients’ financials by demand;  Amendment proposal for development of ongoing… Show more Duties and responsibilities:  Underwriting - Credit application analysis, initial approval, annual re-approval, conditions review;  Decision on loan applications within the given level;  Customer rating;  Credit sub-sequential conditions fulfillment monitoring;  Early collection back office management with corporate clients (LLC, SME and micro), workout excluded;  Due dilligence on clients’ financials by demand;  Amendment proposal for development of ongoing policies, procedures, guidelines and instructions for the Risk Division;  Ensuring proper implementation and compliance with internal and external procedures;  Organization and performing training and workshops on credit risk standards and procedures, and their updates;  Credit portfolio review on separate cases with the CRO of the bank.



TTK Bank AD Skopje

• Banking
• 1 - 100 Employee

• Head of Credit Analysis Department

  • Oct 2009 - May 2012

  Duties and responsibilities:  Review of retail, SME, and corporate loan applications and analysis prepared by account managers;  Loan approval within defined pouvoirs;  Credit application assessment and presentation to high level credit committee;  Member of middle level credit committee;  Suggesting and developing new models of analysis and improvements of credit risk assessment and methodology;  Development of ongoing policies, procedures, guidelines and… Show more Duties and responsibilities:  Review of retail, SME, and corporate loan applications and analysis prepared by account managers;  Loan approval within defined pouvoirs;  Credit application assessment and presentation to high level credit committee;  Member of middle level credit committee;  Suggesting and developing new models of analysis and improvements of credit risk assessment and methodology;  Development of ongoing policies, procedures, guidelines and instructions for the Strategic Division;  Member of the bank coordination team during the National Bank audit;  Managing a team of four underwriters, reporting to Head of Strategic Division, last five months directly to the CRO of the bank. Additional activities :  Bank Team Leader for establishing a new organizational structure within the EBRD project;  Overall communication with the Management Board of the Bank and the EBRD team;  Intensive cooperation with the EBRD office in Skopje;  Implementation of the Institutional Building Plan at the bank and project management.

• Supervisor in Corporate department

  • Jan 2009 - Oct 2009

  Duties and responsibilities:  Senior Account Manager for LLC;  Coordinating account managers for LLC and SME, five in total;  Regular client meetings and adequate sales activities;  Credit application assessment;  Reviewing clients’ financial analysis and submitting them to the credit committee for approval;

• Deputy Head of Market and operational risk department

  • Jan 2008 - Jan 2009

  Duties and responsibilities:  Establishing and introduction of policies and processes for market and operational risk assessment;  Developing and seeking efficient and effective operational solutions for minimizing the market and operational risk of the bank;  Continuously reviewing the bank’s market and operational risk and recommending adjustments;  Preparation of quarterly reports to the EBRD and support of monthly reports preparation.

• Loan Officer

  • Jul 2004 - Jan 2008

  Duties and responsibilities:  Retail and corporate loan officer;  Accepting credit requests;  Processing the credit request with full financial analysis;  Proposing loan terms to the credit committee;  Completing the overall documentation and further supervision of the final payment of the credit.

• M&A Team Member of Teteks Kreditna Banka AD Skopje and Tetovska Banka AD Tetovo

  • Nov 2005 - Jul 2006

   Stream Leader for Loan process integration;  Daily communication with the Management Board of both banks;  Team Member for implementation of new core system – Asseco solutions  Responsible for migration of loan accounts on new core system;  Team Member of advanced user for new core system- Asseco solutions



KfW

• Germany
• Banking
• 700 & Above Employee

• Credit Officer

  • Nov 2002 - Mar 2003

  Credit Officer on KMB project(credit support of small business), sponsored by Fund for support of small and medium businesses in Macedonia in cooperation with Tutunska Banka, Skopje. Credit Officer on KMB project(credit support of small business), sponsored by Fund for support of small and medium businesses in Macedonia in cooperation with Tutunska Banka, Skopje.