Oana Dobos Email and Phone Number

Senior Financial Analyst - Multinational companies - Corporate customers with turnover larger than Eur 250mn- Construction, Energy, Agriculture Industries In-depth financial analysis of corporate customers, outlining the borrower’s risk profile, by determining past financial performance and evaluating the future reimbursement capacity• Developing financial forecasting models in order to examine company's projected short and long-term growth based on key indicators, sales projections, cash flow analysis, assets, liabilities and credit risks;• Drafting in-house consolidated financial statements for group of companies• Proposing the customer rating, based on internal rating system of the bank• Evaluation of non-material collateral item;• Rendering consultancy to other departments involved in the lending process : support on deal structuring, preparing industry reports to address the risks and volatilities in various markets; • Follow the credit process through the full project life cycle• Contributes to internal procedures in its area of expertise and coordinate efforts with Sales Department & Companies Credit Analysts Unit in order to clear up all issues related with the financial analysis;• Participate in developing process of the rating model algorithm comprising quantitative & qualitative factors assessment, debt capacity calculation, cash-flow scenarios, FX loans validation according to the applicable NBR regulations; • Participating in developing the rating application, manage and update the application in order to fulfil financial analysis or regulatory requirements.• Portfolio monitoring, drafting reports and recommending updates/corrections when needed

Corporate customersIn charge with: Fundamental financial analysis and rating, outlining the borrower’s risk profile; Analyzing the financial data of clients and potential clients; interpreting data (e.g. financial ratios, key performance indicators, financial forecasts, management reports, etc) for determining past financial performance and to project a financial probability. Developing and managing excel-based financial forecasting models in order to examine company's projected short- and long-term growth capacity based on key indicators, sales projections, cost analysis, detailed Analysis of Cash flow, assets, liabilities, and credit risks. Proposing the internal rating based on Raiffeisen Bank customer rating system.Identifying the risks for new transactions of for the ones that are all ready in place and finding the right methods to mitigate the risks.Contribute to structuring process of sophisticated transactions; Evaluate the borrower’s capacity to repay loan and propose a customised structure tailored for the customer’s needs and capacity; Quality research: searching for and obtaining relevant information/ data to undertake high quality analysis; Monitoring market and industry trends and evolution; Prepare industry strategy papers to address the risks/ volatilities in the selected industries;

Risk evaluation for corporate companies credit risk;Perform detailed review and independent credit assessment of transactions and limit requests, including analyzing business & financial risks; credit terms and transaction structure;Matching the borrowers financial standing, risk profile, guarantees level with the bank credit policy and regulations;Maintain the coordination with the other members of departments involved in the credit transaction like product specialists, account managers, financial analyst, credit controllers, guarantees officer; Ensure that the credit policies and overall principles of credit process are adhered to at all times;Active evaluation of early warning and quarterly financial update processes for identifying stressed obligors and propose action plans for remedial.

Responsible for co-ordination and completion of PR projects for corporate division customers;Projects planning included constraints such as time, cost and agreed quality standards.

Offers support to the Prime VicePresident in daily activities (providing different types of reports), maintains a good communication between departments, delegates administrative tasks;Acting as a liaison between staff and the PVP, particularly with other members of the management team;Prepare presentations, meeting agendas, take and write minutes of meetings, and draft correspondences;Check and coordinate documents for loan approval;Co-ordinate project-based work;Keeps an evidence of all the budgets and business trips ;Take and sort calls, e-mails and messages sent to PVP.

In charge with inbound and outbound calls;Customer support and customer care;Processing banking transactions by phone (deposits, exchange transactions ,intra and interbank transfers);Handling customer's complaints when needed;Active sale of bank's products for individuals.