Andrey Zarch Email & Phone Number

Toronto, Ontario, Canada

• Review and operate different internal systems and databases for specific requested information.• Create and formulate the database framework for various projects. • Devise, build, adjust, integrate, deploy, and assess data models and database management systems. • Utilize database management systems to scrutinize data and execute data mining analyses. • Coordinate or oversee other team members within my department.• Research, analyze and document information as required. • Design, modify, and search relevant data within the company’s database.

Giv'Atayim, Tel Aviv, Israel

• Prepared concise credit applications of up to $20 million for middle-market companies with high quality of risk assessment, credit structure and credit presentation that resulted in 15% credit portfolio growth for the past year.• Analyzed financial data from various industries - construction, transportation, manufacturing, commerce and retail.• Presented credit analysis to internal credit rating committees with 90% approval rate by C-level executives.• Monitored client's covenants within assigned portfolio; identified deteriorating credit conditions and compliance with loan agreement that resulted in credit losses of less that 1%.

Ramat Gan, Tel Aviv, Israel

• Prepared credit applications for up to $10 million for middle-market companies; proposed and negotiated credit structure that resulted in a maintaining credit portfolio growth.• Performed incisive analysis of financial statements, cash flow and repayment capacity; determined credit worthiness.• Monitored corporate client's risk indicators and performed annual financial reviews, within the portfolio, which resulted in credit losses of less that 2%.

Ra'Ananna, Central, Israel

• Prepared concise credit applications for corporate clients.• Analyzed financial reports and determined creditworthiness based on repayment capabilities which helped reduce credit losses to less that 4%.• Contributed to credit sales efforts which helped our corporate branch reach first place in the region (2016).• Handled queries face to face, over the phone and via email with customer satisfaction rate of more that 85%.

Master Of Business Administration - Mba, Specialization In Funding

Bachelor'S Degree, Banking And Capital Markets