I want to work a few years abroad, then come back home.
o Activities of assessment and monitoring for functioning credit cooperative banks in terms of the significant risks (credit, operational, liquidity, market, etc) and the internal control system (risk management function, compliance function and audit); o Performance evaluation and financial results by comparing them with the general business strategy, risk appetite and tolerance, quality assessment reports to BCCC, as well as the internal capital adequacy assessment process (ICAAP).
o Identify market opportunities, the prospects of SME and individuals, promoting and showcasing the Bank's products; o Supervision of retail lending activities, and approving credit applications within the limits of competence established at the level product o Identifying target client segment, strategies to address them, determining financial needs, establishing contact and preparing the adequate offer to sell; o Negotiating and structuring credit applications in accordance with the rules/internal procedures and based on information received from clients and / or verified;
o Promoting, selling products and services, developing and maintaining relationships with existing and potential clients; o Identify appropriate financing solutions to client needs and possibilities, and identify credit risk and ways to cover it; o Supervision of financial analysis at the branch level, in accordance with internal procedures of credit, drafting proposals to the Credit Committee, and also recommendations for the proposed transactions
o Assessment of credit applications on eligibility, project feasibility, risk, profitability, according to the internal procedures lending; o Analysis of financial statements in terms of indicators of creditworthiness and cash-flow, and writing credit proposals to the Credit Committee;
o Checking and preparation the files of mortgages and consumer loans, submitting proposals to the Credit Committee o Loans administration (credit settings, disbursements, early repayment, decreasing or increasing credit, collaterals changes, correspondence with clients); o Specific cards activities: draw documentations and closing agreements of issuing debit cards to individuals and companies, analysis of credit card applications, setting credit limits, closing agreements for mobile banking, for payment of utilities / services, charging card accounts and ATMs, POS installations to retailers; o Monitoring and recovery of non-performing loans;
o Marketing analysis of the local banking market; o Developing and maintaining business contacts and promoting the image of the bank in the market; o Making comparative product research related to competition.
financial analysis, accounting
I am an honest person with a high sense of responsibility
To live, work and enjoy life
I don't think that there is the ideal job, only the job you like to do.
Just to work
In a team
It depends of my location (country or abroad).
There were more along time. Customer satisfaction has always been the greatest achievement.
2000 euro gross
Always I worked with such requirements, so for me isn't a difficulty thing.
Capital by Thomas Piketty