91363

HEAD OF RETAIL LOANS at BANCA TRANSILVANIA

  • România, Galați
  • România, Galați
  • Romania, Galați
  • Romania, Galați
Deblocheaza date contact
Traduceri ale CV-ului
30%
  • Ultima actualizare: 05.10.2013
  • Numar referinta: 91363

Aptitudini

Permis de conducere
  • B

Limbi straine

Engleza
Mediu
Franceza
Incepator
Romana
Nativ
80%
  • Last update: 05.10.2013
  • Reference number: 91363

Experience

  • April 2012 - Present

    HEAD OF RETAIL LOANS, BANCA TRANSILVANIA

    • Galați, Romania
    • Full time
    • Work domain - Finance: Banks / Financial Institutions

    -Check existence repayment capacity of borrowers throughout the loan period and
    the total amount of loans and employment related interest in their repayment
    possibilities.
    -Compare the information obtained from the client with information from bank
    records and information from external sources and use this information penru
    maximum exposure limit setting on the client.
    -Consult bank databases, BC, CCR, etc.. for credit applicants, co-debtors,
    guarantors, etc..
    -Analyze credit documentation submitted by individual customers, analyze credit
    risk and after their applicants shall detail of the loan: loan amount requested
    repayment terms, conditions guarantee, use, interest and fees.
    -Prepares the report / credit scoring sheet (if required).
    -Support the client's request for endorsement / approval credit agencies with
    responsibilities in this regard.
    -After credit approval and shall document the parameters of each product
    characteristics (loan agreements, collateral, etc.)
    Verify that the conditions necessary employment-credit, required its approval (the
    security, concluding insurance, etc).
    Credit-Check compliance destination, both award and the entire crediting period.
    -Keep customer contact through to completion of the loan transaction.
    -After granting credit, monitoring client through regular travel to client the
    certification guarantees and analysis of its financial situation
    -Occurs in collaboration with the client whenever it prompt the bank or position
    change, depending on the evolution of contractual relationship (extension of credit,
    supplementing credit repayment at maturity rescheduling / rescheduling,
    prepayment, credit reduction, cancellation credit etc.)
    -Track and is responsible for collecting outstanding receivables catching up
    amicably, fighting legally and outstanding claims and insurance premiums to
    contractual terms and renewal insurance policies for the entire crediting period.
    -Organizes, coordinates and provides for a unitary conception of all lending
    activities for individuals to branch of activity.
    Assist agencies subordinated branch retail lending activity.
    -Participate in training of staff in retail lending branches and agencies
    subordinated.
    -Watch how they are applied in practice by staff, circulars and rules issued by BT
    and NBR on lending and foreign currency to retail customers;
    -Participate in the preparation of information materials on the activity branch for
    retail customer lending issues;
    -Responsible for preparing periodic reports established by rules and internal
    procedures or situations and rapoatelor request to Central BT NBR.
    -Provide support in resolving complaints received from customers, NACP, NBR,
    etc.. Complaints against retail lending.
    -Carries out any other attribute subsequently ordered by the chief supervisor, and /
    or regulated by the rules of lending individuals, including selling savings products
    (deposits), BT24, insurance, funds, etc..
    -Apply the rules and procedures and legislation BT

  • June 2010 - March 2012

    RETAIL LOAN ANALYST, BANCA TRANSILVANIA

    • Galați, Romania
    • Full time
    • Work domain - Finance: Banks / Financial Institutions

    -Check existence repayment capacity of borrowers throughout the loan period and
    the total amount of loans and employment related interest in the possibilities of their
    repayment;
    -Compare the information obtained from the client with information from bank
    records and information from external sources and use this information penru
    maximum exposure limit setting on the client.
    -Consult bank databases, BC, CCR, etc.. for credit applicants, co-debtors,
    guarantors, etc..
    -Analyze credit documentation submitted by individual customers, analyze credit
    risk and after their applicants shall detail of the loan: loan amount requested
    repayment terms, conditions guarantee, use, interest and fees.
    -Prepares the report / credit scoring sheet (if required).
    -Support the client's request for endorsement / approval credit agencies with
    responsibilities in this regard.
    -After credit approval and shall document the parameters of each product
    characteristics (loan agreements, collateral, etc.).
    Verify that the conditions necessary employment-credit, required its approval (the
    security, concluding insurance, etc).
    Credit-Check compliance destination, both award and the entire crediting period.
    -Keep customer contact through to completion of the loan transaction.
    -After granting credit, monitoring client through regular travel to client the
    certification guarantees and analysis of its financial situation
    -Occurs in collaboration with the client whenever it prompt the bank or position
    change, depending on the evolution of contractual relationship (extension of credit,
    supplementing credit repayment at maturity rescheduling / rescheduling,
    prepayment, credit reduction, cancellation credit etc.)
    -Track and is responsible for collecting outstanding receivables catching up
    amicably, fighting legally and outstanding claims and insurance premiums to
    contractual terms and renewal insurance policies for the entire crediting period.

  • January 2009 - June 2010

    Customer Adviser Fast Area, BANCA COMERCIALA ROMANA

    • Galați, Romania
    • Full time
    • Work domain - Finance: Banks / Financial Institutions

    Transactions provide cash / non-cash and non-customers from retail customers or
    sales corporate.Promoveaza prosuselor and non-credit services subsidiaries of
    bank and retail customers and corporate areas. Performs transactions cash / noncash
    and non-customers from retail clients or corporate.Asigura after sales support and sales produselor.Promovarea prosuselor and non-credit services BCR Group /
    provide advice to existing and potential customers in accordance with the range of
    products available branch type and quality standards of customer needs and
    opportunities bancii.Identificarea selling bank products and services through sales
    activities incrucisata.Efectueaza rotation guide designed to meet and clients inside
    the unit, to provide information requests received from existing and potential clients
    in person or by telephone, about products, services, rules, regulations and
    government policy.

  • February 2008 - January 2009

    Branch Manager, BROKER INVEST

    • Galați, Romania
    • Full time
    • Work domain - Finance: Banks / Financial Institutions

    Coordinating specific activities of the workplace.
    Coordination of subordinate staff.
    High standards of customer service.
    Defining specific targets in line with global business strategies set by management.
    Ongoing relations with strategic partners.
    Permanent supervision and coaching of the team responsible for.
    Periodic reports against the indicators followed

  • June 2007 - February 2008

    FINANCIAL ADVISER, RAIFFEISEN BANK

    • Galați, Romania
    • Full time
    • Work domain - Finance: Banks / Financial Institutions

    - Knowledge of bank products and services all plans, analyzes, controls and meet
    their sales activity;
    - Selling cards and internet banking service, and management;
    -The fulfillment of tasks on budget performance - sales site itself;
    - Application of the rules and procedures of the bank and other provisions from the
    management of the bank / or management of territorial units for sales activities and
    banking products.
    - Identify, quantify, monitor and control market risks, contributing to the stability,
    safety and effectiveness of the bank.
    - Analysis of competition in the local market and gathering market intelligence to
    adapt products and services to customers of the bank;
    - Knowledge, preparation, presentation and professional sale of all products /
    services to increase the bank's client portfolio and renewable attracted.
    - Expert advice offered to customers on bank products and services, simulations
    rates, etc..
    - Providing advice on filling in forms and related services provided by the bank
    (account opening, card issuance requests, etc.).
    , Field trips, to promote bank products and services and to attract new customers,
    given the permanent reliability and quality;
    - Tasks related to marketing and sales activities at the request of Director of Sales
    and Marketing;

Education

  • 2004 - 2008

    Bachelor's degree, Universitatea "Spiru Haret"

    • București, Romania
  • 1998 - 2002

    Highschool, Liceul Teoretic "Simion Mehedinti"

    • «Alt oraș», Romania

Skills

Driving license
  • B

Foreign languages

English
Intermediate
French
Beginner
Romanian
Native