Adela Ramic work email
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Adela Ramic personal email
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Hello, my name is Adela. I am an experienced consultant and educator for business and finance, with over 25 years of experience in banking, media, sales, and business support. I began my career in journalism at 16, a milestone I am particularly proud of. My extensive background in finance and entrepreneurship has provided me with a deep understanding of business development, corporate banking and financing, operations, restructuring, planning and analysis, risk management, and customer relationship management. I also have significant expertise in social banking, social entrepreneurship, ESG standards, gender equality, SDG and financial inclusion.Throughout my career, I have acquired skills in financial management, internal processes and policies, talent acquisition, diversity and inclusion, and team culture. Recently, I focused on consulting with large international organizations working on gender equality projects in the economy. I analyze and interpret data, identify emerging issues, and contribute to strategic planning. As a generalist, I leverage my broad expertise, problem-solving abilities, goal-oriented mindset, and leadership skills to advance organizational objectives.My specialties include business development, corporate banking and financing, restructuring, planning and analysis, credit management, risk analysis, sales and presentation, ESG practices, customer relationship management, and venture capital. In the past five years, I have analyzed over 2,500 business plans, mentored more than 500 businesses, and written over 100 diagnostic business plans. I've founded two companies, completed one successful exit, and am now seeking investment opportunities in businesses that address issues personally important to meIn my personal time, I enjoy reading, learning, and exploring various forms of art. I am a proud mother of two teenagers and a happy wife. As an extrovert, I thrive on communicating and collaborating with diverse individuals and exchanging ideas. I cherish spending my free time in nature and believe continuous learning is essential, always finding motivation in new challenges.
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Chief Executive OfficerDaorsinaSarajevo, Ba
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Business Analysis ManagerMozaik Foundation Apr 2023 - Jun 2024Sarajevo, Federation Of Bosnia And Herzegovina, Bosnia And HerzegovinaAs a Business Analysis Manager, I play a key role in the decision-making process for investing in start-ups and scale-ups. My job involves analyzing business plans, assessing the potential of business ideas, and evaluating the abilities and potential of entrepreneurs. I conduct tests and interviews to match the interests of entrepreneurs with investors. My daily tasks include performing due diligence on pre-seed, seed, and Series A investments. I evaluate ESG and economic impact of a business idea and the entrepreneur's potential. I also assess environmental, social and governance sustainability. As a manager, I participate in making strategic decisions for our investment fund, including valuations and assessing the potential of start-ups and scale-ups. In the past three years, I have analyzed over 2,500 business plans and evaluated the same number of teams. I am often a member of the jury at startup business competitions in the Western Balkans. I have provided my mentoring support to more than 500 startup businesses. -
Business Development AnalystMozaik Foundation Mar 2020 - Apr 2023Sarajevo, Federation Of Bosnia And Herzegovina, Bosnia And HerzegovinaAs a Business Development Analyst, my responsibilities include analyzing joint venture and business startup applications, assessing investment potential by analyzing markets and industries such as renewable energy, health tech, and circular economy, mentoring entrepreneurs and conducting financial analysis of existing and potential businesses. Additionally, I assess personal potential of entrepreneurs and strive to identify opportunities for improvement. I also seek out exceptional social responsibility in sustainable businesses and participate in evaluating and presenting business ideas. I present opportunities of Mozaik Startup Studio throughout Bosnia and Herzegovina, educate, make connections and create impact. As part of my responsibilities, I engage in public communication with municipalities in B&H to support local communities. Additionally, I provide education and training programs for these communities, focusing on financial literacy and entrepreneurship.
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Head Of Sales - Sarajevo RegionYimor Mar 2018 - Mar 2020Sarajevo, B&HAs the Head of Sales at Yimor, I managed a 8-member sales team, created sales campaigns, managed imports and wholesale, and set sales targets. My responsibilities included overseeing daily operations in product distribution, managing the client portfolio across several regions, expanding the client base, analyzing major competitors, devising strategies for sales campaigns, and recruitment. I successfully organized the team and increased market share in the Sarajevo region by 50% in two years.
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Senior Credit Risk AnalystVakufska Bank D.D. Sarajevo Jul 2017 - Mar 2018Bosnia And HerzegovinaAs a Senior Risk Analyst, I assessed the credit risk of large corporate clients by analyzing their balance sheets. I made underwriting decisions and reported to the Management Board.
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Head Of Credit Back Office Department-Operations DivisionHypo Alpe Adria Bank D.D. Mar 2015 - Jun 2017SarajevoIn my role as Head of Credit Back Office Department, I led a team of 16 members and was responsible for managing daily operations in a dynamic department that approved and disbursed small loans on a daily basis. During my tenure, the department underwent restructuring at a critical time when the former Hypo Alpe-Adria Bank changed ownership and became Addiko Bank. I oversaw the successful implementation of a new work process and ensured compliance with regulations and procedures. My role involved coordinating with other bank departments, creating reports and analysis for the Management Board, and collaborating with external vendors, Audits, Federal Banking Agency, and Central Bank. I was responsible for tracking and improving key performance indicators and managing human resources and talent acquisition. Additionally, I monitored all processes related to approving loans, restructuring, and closing loans. My main objective was to enable the implementation of the banking group's strategy in our B&H banking department while ensuring efficient and compliant operations.
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Founder And PresidentWorkers' Union Addiko Bank Bh Sarajevo Dec 2016 - May 2017Sarajevo, Federation Of Bosnia And Herzegovina, Bosnia And HerzegovinaManagement of the Addiko Bank BH Sarajevo Workers' Union during the period of major reconstruction of the bank and major layoffs and helping workers to exercise their rights.
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Rehabilitation Manager In Rehabilitation Department At Hypo Alpe Adria Bank D.D.Hypo Alpe-Adria-Bank D.D. - Rehabilitation Mar 2012 - Mar 2015Bosnia And HerzegovinaMy position as Rehabilitation Manager at Hypo Alpe-Adria-Bank (later Addiko) was one of the most challenging roles in my career. My responsibilities included managing client correspondence, negotiations, and documentation, communicating with accountants, lawyers, consultants, and other banks, as well as reporting to various stakeholders such as the Management Board, Auditors, Regulators, Bank Group, and Federal Banking Agency. Additionally, I was responsible for preparing credit reports and special reserved provisions reports. My activities focused on managing and monitoring the assigned wind-down portfolio, dealing with difficult client relationships, and controlling documentation. I also supervised the corporate client portfolio categorized as rehabilitation and "workout" portfolio that was on the verge of becoming non-performing loans. My team and I tried to restructure and save these portfolios from becoming non-performing loans. Other aspects of my role included modeling various scenarios to evaluate restructuring alternatives, organizing and supervising collateral valuation, assessing, monitoring, and implementing legal recommendations, defining "Soft Fact" rating, and managing the rating of the entire Group of borrowers at the banking group level across six European countries. Handling daily communication with companies affected by the European debt crisis that lasted from 2009-2012 was a significant challenge, as these clients were on the brink of bankruptcy and often involved in legal disputes with the bank. Despite this, I was the most successful rehabilitation manager in the bank, with the highest number of positively resolved cases. -
Corporate Clients ManagerHypo Alpe-Adria-Bank D.D. - Corporate Banking Feb 2008 - Feb 2012Sarajevo, Bosnia & HerzegovinaAs the Corporate Client Manager, I was entrusted with the task of overseeing the loan portfolio of the most significant clients of the entire banking group. This role was both demanding and dynamic, offering me immense professional growth opportunities. It was an honor to work in the corporate department, and I credit this experience for shaping my career in the direction of business management. In my capacity as the Corporate Client Manager, I was responsible for a wide range of tasks, including portfolio management of corporate and public clients, expanding the client base, and monitoring the quality of the portfolio. I was also responsible for preparing and presenting credit proposals before the Management Board, contributing to the development of the Bank's business and financial plans, analyzing and assessing risk, and liaising with other bank departments, other banks, Audits, and Federal Banking Agency. Additionally, I was instrumental in preparing documentation and proposing favorable conditions for public tenders that the bank applied to. These activities required me to have a keen eye for detail, strategic thinking, and strong communication skills.
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Personal BankerHypo Alpe-Adria-Bank D.D. - Retail Banking Feb 2007 - Feb 2008As a personal banker for VIP clients, my role was highly confidential and delicate, requiring me to provide advice and assistance with personal loans and savings. The job was demanding, but my dedication and expertise made me one of the top performers in the position, leading to a well-deserved promotion.
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Retail And Sme Customers AdvisorZiraatbank Bh Dd Sarajevo May 2005 - Feb 2007As a Retail and SME Customers Advisor, I gained valuable experience in banking fundamentals for both individuals and small businesses. This position provided a challenging and rewarding introduction to the banking industry, as it required a comprehensive understanding of various banking products such as credit cards, loans, foreign payments, guarantees, and share trading. -
Journalist - Reporter, Editor, News ReaderRadio X, Tv Mostar, Radio Free Europe Dec 1996 - May 2005I started volunteering in journalism at the age of 16, and it's something I'm very proud of. In a little less than nine years that I spent in journalism, I worked in almost all fields of journalism. I wrote articles for newspapers, reported as a reporter about refugees who returned to their homes after the war, followed press conferences, edited news and music shows on radio and television, hosted cultural and other radio and TV programs. I was a true generalist in journalism during that period.
Adela Ramic Skills
Adela Ramic Education Details
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School Of Economics And Business, University Of Sarajevo (Sebs)Eqf Level 7 -
The Faculty Of Economy, University Of MostarBachelor Degree
Frequently Asked Questions about Adela Ramic
What company does Adela Ramic work for?
Adela Ramic works for Daorsina
What is Adela Ramic's role at the current company?
Adela Ramic's current role is Chief Executive Officer.
What is Adela Ramic's email address?
Adela Ramic's email address is ad****@****zaik.ba
What schools did Adela Ramic attend?
Adela Ramic attended School Of Economics And Business, University Of Sarajevo (Sebs), The Faculty Of Economy, University Of Mostar.
What are some of Adela Ramic's interests?
Adela Ramic has interest in Children, Economic Empowerment, Civil Rights And Social Action, Education, Environment, Science And Technology, Arts And Culture, Health.
What skills is Adela Ramic known for?
Adela Ramic has skills like Banking, Corporate Finance, Credit Cards, Basel Ii, Valuation, Media Relations, Portfolio Management, Cross Selling, Financial Risk, Business Analysis, English, Credit Risk.
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Adela Ramic
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