Carmina Vicol Email & Phone Number

Chișinău, Chisinau, MD

Chișinău, Moldova

Chisinau, Moldova

• Prime Capital is a leading financial non-banking institution in the Republic of Moldova specialized in mortgage and MSMEs lending since 2006.
• General management of the Company;
• Elaboration of Company’s development strategy and lending policy;
• Implementation of business lines such as residential mortgage lending, MSME lending, factoring with accent on innovations and fintech;
• Product elaboration and development such as energy efficiency loans, loans for women in business and others;
• Approving loans within the Credit Committee up to $400 K;

Nimoreni, Ialoveni District, Moldova

Moldova

Chisinau, Moldova

Board member, member of Financial Committee

Chisinau, Moldova

• Strategy definition
• Marketing activities
• Project coordination
• Financial management
• Financial analysis, reporting and forecast
• Coordination of ”organic”, ISO and HACCP standards implementation.

Chisinau, Moldova

Teaching Financial Accounting and Corporate Finance, tutor.

Chisinau, Moldova

• Management of the Technical Assistance Unit that provided support and consultations to SMEs from agricultural sector with a special emphasis on private farmers and business cooperatives.Technical assistance was mainly.
• institutional development
• accounting and financial management
• legal consulting
• organization and leading of study tour to USA for managers of SMEs
• organization of trainings, seminars and conferences

Chisinau, Moldova

• Participation in audit and consulting engagements of international and local companies and NGOs and donors’ programs;
• Acquisition of new clients, maintaining and coordination the relationship with existing clients;
• Development of client’s portfolio and prospectives follow-up;
• Elaboration of business proposals and tender documentation;
• Follow-up of contracts execution;
• Revenue monitoring, budgeting and reporting;

• Cash-flow management;
• Organisation and supervision all payments, including payroll and receivables;
• Organization, elaboration of procedures and management of cash collection;
• Participation in budget preparation and reporting;
• Negotiation and preparation of the documents for external financing, including IFC debt financing;
• Piloting of the Revenues Recognition Project;

Chisinau, Moldova

• Elaboration of the general strategy of the bank’s development, Business Plan and budgets;
• Elaboration of the Credit Policy of the Bank;
• Management of the Bank’s assets and liabilities;
• Financial analysis of investment project and loan applications;
• Organization of the administrative work and Human Resource Management;
• Organization of the process of transition to the International Accounting Standards;

Chisinau, Moldova

• Financial analysis of investment projects and Business Plans submitted by clients, processing of loan applications;
• Negotiation and processing of agreements, pledge agreements and other related documents;
• Management of the credit portfolio;
• Credit reporting;
• Participation at the elaboration of Bank’s Credit Policy.

Mba, Business Administration And Management, General, Mba

Business Administration, Management And Operations, Bachelor

Education record