Monitoring the legal and other regulations, standards and code of practice regarding the scope of the divisionDevelopment of proposals and implementation of strategy and risk management policies and strategies of the Bank's capital managementParticipation in the development and implementation of procedures for risk management, and methodologies for identifying, measuring and assessing, mitigating and monitoring risk and capital management of the BankDuties regarding risk management, identification, measurement and assessment, mitigation and risk monitoring and management of the Bank's capital adequacyMonitoring and controlling implementation of risk strategies, policies, procedures and methodology in terms of risk and capital of the BankImplementation of the conclusions of the Executive Committee, the Audit Committee and ALCO Committee regarding activities of divisionDetermination of risk cost marginsMain Duties :Assessment of creditworthiness of different types of clientMonitoring the bank's exposure to credit riskLoan portfolio managementCoordination of departments within risks divisionMonitoring market and other risksImplementation of the Basel II standardsAs a member of loan committee participate in making decisions on placements of large and medium-sized enterprisesAs a member of the ALCO committee participate in defining strategies for market and liquidity riskImpairment and LLP calculationCooperation with external auditCooperation with NBS

Main Responsibilities :Responsible for division portfolio (small business, agro loans, consumer loans) Responsible for proper functioning of whole loan cycle (coordination between branches-region centers- Loan back office-Support units) Responsible for compliance of processes and procedures with legislationLLP management, Impairment calculation Responsible for fulfillment of sector business planMain Duties :Preparation of yearly business plan (sector, regions, branches)Defining strategies (sales, risk, collection)Preparation of products and procedures for small business and agro loans (coordination with IT and Legal department)Coordination with Sector support unit (Loan back office, risk unit, legal unit, collection unit)Participation in the Credit committee decisions (approval limit up to 50 000 eur) Coordination of 5 regional managers (41 branches)Monthly assessment of business plan fulfillmentRecruitment of new staff

Credit approval limit: 25000 EUR Main Responsibilities :Efficiency of credit departmentQuality of the loan portfolio of the BranchMain Duties :Participation in the Branch Credit Committee decisions Enabling, managing and controlling efficient communication, workflow and documentary flow between the subordinated credit group and other department in the Branch.Monitoring the quality and development of the loan portfolio Providing coaching for Loan Officers on the daily basisReporting to the Branch ManagerPlanning personal capacity, evaluating existing staff and selecting a new staff

Main Responsibilities :Building and maintaining a high quality portfolioSupport for Loan Officers in their dutiesMain Duties :Identification of suitable credit clients and active search for potential clientsRisk assessment, including analysis of financial data evaluation of collateralVisiting the clients business premisesCredit resumes preparation and presentation for approvalMonitoring the clients during the life time of the loan