Filip Zafirovski Email & Phone Number

Skopje, Skopski, North Macedonia

-Review of companies' financial documentation on standalone and consolidated level mostly of Large Corporates;-Evaluate financial performance by comparing and analyzing actual results with plans and forecasts; -Preparation of financial forecast/cash flows (bank scenario and stressing of management scenario) and investment appraisals/evaluations;-Preparation of Credit proposal with information about client current rating, exposure, business model, buyers and suppliers, industry and SWOT analysis, comprehensive business and financial analysis of company’s key performance indicators (review of client financial situation - past and current operations), requested transactions (purpose, maturity, pricing, argumentation) used from the Risk department for determining the client's rating and giving an opinion from the risk aspect for the proposed transactions, as well as from the members of the Credit Committee when making the decision for approval of the proposed requests;-Project financing of large investments (Preparation of detailed credit proposal with detailed financial analysis of companies' financial data for evaluation of the investments’ economic viability with Cash Flow Scenario Analysis, defining KPI’s and financial covenants, ESG analysis and evaluation on a client/ investment level, as well as actively monitoring the life cycle of the project development).-Preparation of decisions / resolutions for balance and off-balance exposure of legal entities;-Preparation of a weekly report to superiors about the realized loan payments and repayments compared to the pipeline, as well as planned payments and repayments for the following period;-Preparation of a quarterly report on disbursed loans with financial deviation and deviation in collateral coverage according to the bank's Lending policy;-Mentoring.

Skopje

-Controlling of loan decisions, preparation of contractual documentation, system input of loans and loan annexes (complete process from data entry of interest rate, commission/fees, maturity, repayment plan, to final payment of the loan), completion and archiving of loan files;-Working in the Collateral Management application, testing basic functionalities, part of a working group for the improvement and advancement of the application and holding training sessions as an advanced user, regular input of collateral according to Collateral pool framework agreements and individual loans agreements, updating of policies and appraisal information in the application;-Preparation of a quarterly report on disbursed loans with financial deviation and deviation in collateral coverage according to the bank's Lending policy, preparation and system input of decisions for companies borrowing limit, BIA analysis (internal assessor);

Skopje Macedonia

-Cashier operations (cash payments and disbursements for private individuals and companies, payment of utility bills, payment of slips, opening of clients accounts, savings accounts, promotion of the bank's products);-Payment operations for private individuals and legal entities (domestic);-Lending for private individuals (Overdrafts and credit card limits); -Promotion and activation of electronic banking;

Working in the contact center, engagement in production and distribution of payment and credit cards, electronic banking;

Bachelor Of Sciences, Foreign Trade

Education record