Commercial Banking North West Regional CenterFocus on: - Increasing the portfolio of companies with Turnover between 1.5 million EUR and 10 million EUR- Coaching and leading a team of up to 17 Relationship Managers and Account Managers in order to represent at their best the image of OTP Bank Romania at regional level and to be real partners for their managed portfolio of clientsMain responsibilities:- Coordination of the North West Commercial Banking Sales Team, respectively all Commercial Banking Relationship Managers and Account Managers from Cluj, Bihor, Sibiu, Satu Mare, Maramures, Salaj, and Bistrita Nasaud Counties; - Supervising the achievement of the overall Commercial Banking target and budget at regional level, as well as individual budget achievement;- Analyzing the structure of clients database and recommending action plans needed to continuously improve the quality and the profitability of the CB clients portfolio with main focus on clients with turnover between 1.5 million EUR and up to 10 million EUR;- Establishing partnerships with various institutions in order to expand and develop the Commercial Banking clients database;- Collaborating with Retail Branches in order to expand the overall clients portfolio and providing suport in structuring different types of offers and transactions and sustaining the Commercial Banking clients credit files in the Credit Committee;

SME North West Regional CenterMain responsibilities:- Coordination of the North West SME Banking Sales Team, respectively all SME Relationship Managers and Account Manager from Bihor, Satu Mare, Maramures, Salaj, Cluj, Bistrita Nasaud and Sibiu Counties; - Supervising the achievement of the overall SME Banking budget at regional level, as well as individual budget achievement;- Analyzing the structure of clients database and recommending action plans needed to continuously improve the quality and the profitability of the portfolio with focus on companies up to 5 Million EUR Turnover;- Establishing partnerships with various institutions in order to expand and develop the Commercial Banking clients database;- Collaborating with Retail Branches in order to expand the overall clients portfolio and providing suport in structuring different types of offers and transactions and sustaining the SME clients credit files in the Credit Committee;

SME North-West Regional CenterFocus on: Regional business development and SME Clients portfolio increase in Bihor, Satu Mare, Maramures, Salaj, Cluj, Bistrita Nasaud and Sibiu CountiesMain responsibilities:- Analyzing the structure of clients database and recommending action plans needed to continuously improve the quality and the profitability of the portfolio;- Collaborating with Retail Branches in order to expand the overall clients portfolio and providing suport in structuring different types of offers and transactions and sustaining the SME Clients credit files in the Credit Committee;- Collaborating with the colleagues from the North West Regional Center in order to help increase the average ticket sizes and number of clients in order to position OTP Bank as an important regional partner on the financing market for the SME Clients

SME South-East Regional CenterFocus on: - Agribusiness companies financing- Agribusiness clients portfolio development, mainly in Teleorman, Dambovita, Giurgiu and Calarasi countiesMain responsibilities:- Coordination of an SME Team of up to 10 Relationship Managers and Account Manager mainly from Bucharest and Dambovita County; - Supervising the achievement of overall budget of the coordinated SME Team, as well as individual budget achievement;- Analyzing the structure of clients database and recommending action plans needed to continuously improve the quality and the profitability of the portfolio;- Collaborating with Retail Branches in order to expand the overall clients portfolio and providing suport in structuring different types of offers and transactions and sustaining the SME Clients credit files in the Credit Committee;

SME Sales Department SEMain duties and responsibilities - Identifying market opportunities in order to attract new SME customers (legal entities with a turnover of up to 5 mil. EUR); - Actively participating in increasing sales of products and services and initiating cross-selling of banking products to SME customers;- Promoting, negotiating and structuring credit proposals for new SME customers in order to expand the current SME client portfolio; - Identifying customer needs and offering financial advice by proposing the optimal solution according to the needs identified and based on the financial and qualitative analysis of the customer and in accordance with its specific activity.

Head Office Branch (Dr. Felix Branch)- Branch sales activity coordination, both from the client portfolio enhancement point of view (Corporate, SME and Individual clients) as well as from the operational activity supervision point of view.- Maintaining and improving the quality of the client portfolio through the coordination of the credit structuring process and the evaluation of the client’s creditworthiness (between January 2011 and May 2013, Dr. Felix Branch was the designated SME Credit Analysis Center for a total of 8 affiliated Branches); - Ensuring an adequate management of the operational activity at branch level and preventing operational risks (through “know your customer policy” and “prevention of money laundering”) in close collaboration with the Deputy Branch Manager and the relevant departments in Head Office; - Active involvement in the Sales Management and Coaching process leading to the personal and professional development of each employee of the Branch;

Unirii Agency- Coordination of the acquiring and portfolio development processes for all segments (SME and Individuals) by effectively managing own initiatives and the actions of the Relationship Managers involved in the two lines of business;- Responsible for the target realization at Agency level by coordinating all resources available and structuring action plans in order to continously improve the Agency’s activity in terms of clients portfolio (number of acquired clients; volumes);- Ensuring an adequate management of the operational activity at agency level and preventing the operational risk (through “know your customer policy” and “prevention of money laundering”) in close collaboration with the Operations Coordinator and the relevant departments in Head Office; - Active involvement in the recruitment and selection process for the personnel at agency level;- Leading the Agency SME Credit Committee and approving credit files for amounts up to 100,000 EUR according to own competence given by the Head Office.

SME Banking Branch Sales Coordination Department- Coordination of SME Sales Department, being responsible for the SME Department target achievement;- Coordinating the SME Relationship Managers in order to implement the Bank’s marketing / sales strategy (directly and through the SME Relationship Managers from the SME Coordination Department); - Supervising the monitoring and control activity for the SME overall budget at agency network level, as well as individual budget achievement (directly and through the SME Relationship Managers from the SME Coordination Department);- Analyzing the structure of clients database and recommending action plans for improving the quality and the profitability of the portfolio;- Establishing partnerships with various institutions in order to expand and develop the SME clients portfolio;- Providing support to the Branches in structuring different types of offers and transactions and sustaining the SME credit files in the Credit Committee;

SME Network Coordination Dept- Responsible for the target achievement, the qualitative improvement and the profitability of the portfolio of the coordinated Agencies;- Responsible for implementing the SME marketing / sales strategy in the coordinated Agencies;- Attending meetings with existing or potential clients in order to present Garanti Bank’s services and products; - Coordinating the sale activity of the SME Relationship Managers through joint visits to client’s headquarters and direct involvement in the credit structuring activity and the approval process;

SME DepartmentMain duties and responsibilities - Attracting new clients from the SME segment in order to develop the existing portfolio;- Maintaining and developing the existing relation with the VIP clients from the bank’s portfolio;- Promoting, negotiating and structuring credit proposals for existing and new SME customers in order to expand the current SME client portfolio; - Establishing partnerships with various Credit Institutions and Credit Brokers;- Direct involvement in organizing the SME department and procedures alongside the SME Product Administrator and SME Manager.

SME Department - Mosilor BranchManagement Trainee Program GraduateMain duties and responsibilities - Actively targeting new clients in the market in order to increase the branch’s SME client portfolio; - Promoting, negotiating and structuring credit proposals for existing and new SME customers in order to expand the branch’s SME client portfolio; - Sustaining the SME credit files in the Branch Credit Committee (for the credits approved in Branch Competence); - Supervising the activity of existing clients in order to prevent money laundering and to increase cross-selling ratios.

Credit Analysis Department