Vítor Hugo Morais Email & Phone Number

Luxemburgo, Luxemburgo

Luxemburgo, Luxemburgo

Lead analyst and relationship manager post-signature, including:- Rating Coverage- Climate Risk Scoring- Disbursements- Remedy of Breaches (Financial Covenants, Security, etc.)- Contractual Amendments - Monitoring Step-Up Systems - Prepayments Management of portfolio comprised of mandate loans, intermediated by financial institutions in developing countries, focused on: - Nigeria - Georgia- BrasilCoordination between the bank’s legal, project, risk, KYC, operations and middle-office teams and the client on all relevant events.In charge of developing portfolio analytics frameworks.

Luxemburgo

- Corporate credit risk assessment including financial analysis, market research and forecasting. - Monitoring of counterparts' financial and legal compliance, including follow-up on covenants and key contractual clauses.- Liaison with clients and the bank's project, risk and legal teams to remedy contractual breaches and resolve credit events. - Post signature relationship with corporate clients. - Sector research: electricity (regulated and unregulated), airports, O&G, telecommunications and water.- Management of a credit portfolio with exposures up to €2bn.- Participation in bank-wide task teams focusing on knowledge sharing and internal methodology discussions.- Technical training (including external training in credit rating agencies) and language training received under the GRAD program.

Viana Do Castelo

- Periodical reporting of operational and financial data to Management, including recommendations to top management.- Preparation of yearly budget proposals and control.- Monthly, quarterly and yearly cash flow planning.- Continuous analysis for cost optimization.

Londres, Reino Unido / Lisbon, Portugal

- Creation of credit proposals focused on the assessment of clients' credit risk .- Management of an UK-based credit portfolio with an individual turnover of up to £500m.- Economic and business research reporting.- Interaction with other European bank branches on coverage strategy, including discussions with Relationship Managers, Risk Management, and Product teams. - Covenants monitoring.

Porto E Região, Portugal

- Creation and development of the quality management system following ISO 9001:2008 regulations- Team management- Development of business intelligence tools- Internal communication management

Porto E Região, Portugal

- Development of internal communication channels- Website development- Data management and integrity control

Master Of Science (Msc), Economics, 8/10

Master Thesis: "Internal Devaluation in South Europe", a research paper focused on the relation between the purposeful deterioration.

Bachelor'S Degree, Economics, 12/20

Main Courses: Econometrics, Industrial Organization, Management Accounting, Economic Growth, Projects Evaluation, Corporate Finance

Erasmus Student Exchange Program

Main Courses: Macroeconomia Avanzata, Econometria, Economia Monetaria Internazionale, Microeconomia