Tomasz Mostowski Email & Phone Number

Szczecin, Woj. Zachodniopomorskie, Polska

– Recommends credit transactions and prepares credit analysis including sensitivity tests (stress-tests)– Meets clients to recognize business model, explains credit policies, advises the best solution, builds individual credit structures (loans, guarantees, leasing and factoring arrangements, treasury limits),– Recommends to the appropriate credit approval committee,– Sets terms of loan agreement including covenants, ensures setting up the collaterals to minimize credit risk.

Szczecin, Woj. Zachodniopomorskie, Polska

Main duties:– Developed and maintained relationships with key corporate customers, – Prepared credit analysis & recommended credit transactions, – Met clients to recognize business model, built individual financing structures, – Provided early warning signals by examining payment history & financial standing, – Provided support and mentoring for salesmen.

Szczecin, Poland

Senior Credit Partner - Credit Analyst, Lender (02/2012):– Worked with corporate customers, – Recommended credit transactions and prepared credit analysis including financial models and sensitivity tests (stress-tests, BEPs, currency tests),– Provided an independent, balanced view of the credit risks and recommended a course of action,– Met clients to recognize business model, explained credit policies, advised the best solution, built individual credit structures (loans, guarantees, leasing and factoring arrangements, treasury limits), – Took decisions within the discretion or recommended to the appropriate credit approval committee,– Set terms of loan agreement including covenants, ensured setting up the collaterals to minimize credit risk,– Undertook effective ongoing portfolio management of corporate clients, including covenant compliance,– Sought to assist the Business in the achievement of its financial targets by providing guidance and advice on structuring and risk mitigation.Previous position at BZ WBK SA: Senior Relationship Manager (08/2008-01/2012):– Managed a portfolio of corporate customers and built relationships to identify, understand and support their needs,– Acted as the first point of contact for customers, offering personal service, supported by a range of products (loans, deposits, cash management, FX, trade, leasing, factoring), – Made corporate credit analysis and recommended credit transactions,– Negotiated fees, interest rates and covenants of agreements, – Identified and maximised opportunities by introducing new services or products,– Managed and built a revenue pipeline to meet financial targets and deposit/loan volumes,– Mentored / trained staff.Previous position at BZ WBK SA: Client Adviser (10/2006–07/2008)– Provided comprehensive customer service for small and medium business customers.

Szczecin, Poland

– Managed a portfolio of SME clients,– Analysed credit requests for new and existing customers,– Monitored credit exposures and collateral,– Acquired new clients.

London Uk

Szczecin, Kraków

Client Adviser (07/2000 – 12/2003):– Provided comprehensive customer service for SME customers,– Made preliminary analyses of credit applications.In-house Trainer (IT Merger Project BPH & PBK) (02/2002 – 10/2002 temporary moved to project):– Designed training modules and practical tests,– Organised and conducted training courses on bank products and processed the product in banking environment,– Provided helpdesk support for the bank branches after IT merger.Client Adviser, Bank Clerk, Intern at BPH Head Office in Kraków (Graduate Program 1999: 09/1999 – 06/2000)Annual development programme for graduates (series of intensive professional courses).

Szczecin, Woj. Zachodniopomorskie, Polska

– Managed the team (10 employees) to deliver excellent level of customer service, – Set targets for every shift,– Mentored / Trained staff,– Monitored procedure compliance in order to ensure the security of premises, people, stock, equipment and cash.

Postgraduate Course, Faculty Of Economics And Management, Field Of Study: Finance & Banking

Master’S Degree, Faculty Of Economics And Management, Field Of Study: Management & Marketing