Alex Poliakov Email & Phone Number

Ottawa, Ontario, Canada

Canada

• Administer and maintain commercial customer accounts.
• Review credit applications, approve and set up accounts, determine credit limits while employing business sensitivity, business acumen, and good judgment.
• Act proactively to ensure the accounts are in excellent status with issues being dealt with in advance.
• Collect past due accounts and request payments from customers

Canada

• Provided comprehensive financial analysis to evaluate customers creditworthiness
• Monitored essential financial ratios, market signals and trends for the assigned portfolio
• Monitored and reported on overdue accounts and collection efforts, performed reconciliations
• Exercised delegated limits by granting trade loans, recommending payment terms and security
• Maintained portfolio grow, through excellent communication with internal and external customers

Ukraine

• In addition to the below responsibilities, supervised the Credit Decision Group Team
• Maintained Credit scoring system functionality
• Participated in developing and implementing of a new Provision Policy following National Bank requirements

Ukraine

• Small and Medium (SME) Business Portfolio, including lines of credit, short and long-term loans overdrafts, refinancing, commercial mortgages, etc.
• Made credit decisions and recommendations following sound credit-granting principles and in compliance with Bank Policies & Procedures
• Conducted collection calls and reconciled accounts balances
• Participated in development of new credit products

Ukraine

• Individual and Business loans restructuring, loans payoff through security selling and non-performing loans write-off
• Participated in developing and implementing a new Credit strategy for post-2008 financial crisis market
• Participated in developing and implementing a new Risk Policy for post-2008 financial crisis market

• Individual Business Portfolio, including mortgages, car, and consumer loans
• Provided credit support/solutions/recommendations / alternative options when evaluating credit applications for decisions following Bank policies and procedures
• Followed security and safeguarding procedures for the prevention of loss due to fraud, robbery, counterfeiting and money laundering