Adrian Panescu Email & Phone Number

Bucharest, Romania

Bucharest, Romania

Risk Management Division- involvement in the development of effective risk monitoring techniques, credit risk management polices and procedures, improvement of reporting process;- impairment process monitoring and assessment;- credit portfolio analysis and reporting to Senior Management on performance of portfolios and risk management systems, highlighting trends/ key features.

Bucharest, Romania

Corporate Underwriting- customer segment: Corporate - annual turnover between EUR 3M and EUR 50M;- analyse credit documentations and submit them for approval to the relevant bodies with written credit risk opinion (including but not limited to customer rating, industry strategy, market development, customer credit metrics, collateral structure, pricing, financing structure, cash-flow analysis, a.s.o.);- cooperate with other departments like Monitoring (for Watch List cases)… Show more Corporate Underwriting- customer segment: Corporate - annual turnover between EUR 3M and EUR 50M;- analyse credit documentations and submit them for approval to the relevant bodies with written credit risk opinion (including but not limited to customer rating, industry strategy, market development, customer credit metrics, collateral structure, pricing, financing structure, cash-flow analysis, a.s.o.);- cooperate with other departments like Monitoring (for Watch List cases), Restructuring and Workout units for the sensitive cases;- find the best financing alternative/ structure for both the customer and the bank. Show less

Bucharest, Romania

Credit Risk Support Monitoring- customer segment: Corporate - annual turnover between EUR 3M and EUR 50M; Large Corporate - annual turnover exceeding EUR 50M;- monitoring the Portfolio of Performing Loans by identifying relevant warning signals which could trigger a Watch List classification [ customers with higher risks ];- monitoring the Watch List Portfolio by close monitoring of financial standing development and impact of measures approved through the action plan;-… Show more Credit Risk Support Monitoring- customer segment: Corporate - annual turnover between EUR 3M and EUR 50M; Large Corporate - annual turnover exceeding EUR 50M;- monitoring the Portfolio of Performing Loans by identifying relevant warning signals which could trigger a Watch List classification [ customers with higher risks ];- monitoring the Watch List Portfolio by close monitoring of financial standing development and impact of measures approved through the action plan;- identifying the potential cases for Restructuring and Workout Units with proposal for transfer;- establishing the necessary measures in order to diminish the credit risk such as collateral structure improvement, change the structure of the facility to a less riskier one, financial covenants and borrowing base covenants;- offering support to the Branches for the Watch List cases;- finding solutions for the Watch List customers with real opportunities of recovering. Show less

Bucharest, Romania

Credit Policy & Control Office- monitoring the Portfolio of Problematic Loans by establishing the necessary measures in order to diminish the credit risk/possibilities of credit restructuring;- offering support to the Branches for the problematic loans;- finding solutions for the problematic clients with real opportunities of recovering.

Bucharest, Romania

Corporate Credit Office- analyzes credit documentations - management, financial statements, business sector - with proposing to the superior competence levels (Credit Committee, Central Structure) the written credit opinion for credit approval;- finding the best financing alternative/loan structure for the customer and Bank.

Bucharest, Romania

Bucharest, Romania

Bucharest, Romania

Master'S Degree, Banking, Corporate, Finance, And Securities Law

“MS BANK” Master Program – Banking Systems Management

Bachelor'S Degree, Banking, Corporate, Finance, And Securities Law