Krzysztof Jacek Świerkula Email & Phone Number

credit analysis and risk assessment of clients within the allocated portfolio, assuring good quality of approved credit application, assuring adequate credit analysis for Mid and Large Corporate Clients, engagement in structured financing projects, syndicated loans, responsible for consensual restructuring, portfolio/performing loans, periodic financial statement review, recommendation of credit applications, obtaining exceptions approvals for Credit Committee and Higher Levels, preparation of annual reviews of credit exposure along with the determination of risk ratings and structure of credit lines, new restructuring strategies, action plans, triggers, covenants, assuring adequate classification level under IFRS, write-offs, regular contact with clients, conducting negotiations on the transaction with the participation of Boards of clients, their legal and financial advisors, advisors of the Bank and supervising the implementation of agreed terms and conditions in the Bank’s credit exposure, participation in the Debtors and the Lenders negotiations and analysis of the financial models and the collateral documentation concerning bilateral or syndicated loans with LMA standard, identification problems and participation in early warning system, engagement in internal strategy projects (e.g. workflow system), monitoring clients credit performance, cooperation with internal bank units and external customersAchievements:- created new procedure with Rest Corpo process mapping, - confirmed positive results of Internal and External Reviews concerning Rest Corpo portfolio (IGL CASA/BPI CA/auditors),- positive notification for all requested recommendations for Credit Committee and Higher Levels, - proactive approach and cooperation with IT Dept. and other bank units concerning the higher efficiency and improvement of work flow in CABP, - high level of recovery with keeping the positive customer relationship, - created a positive atmosphere, achieving goals.

Warsaw

Advising for B2B, B2C, process improvement for business, support for collection area.Achievements:- support for collection process concerning the customers B2B, B2C, - creating the model of internal collection process for companies (e.g. Polski Prąd S.A. – increased collection efficiency, in this case no data due to the NDA)

Risk assessment, checking & selection portfolio for Sales Dept, managing early warning, restructuring process & legal assessment, provision calculation, write-offs for bad debts, managing a teamwork & process improvement concerning higher collection efficiency, co-operation with external collection institutions (debts services), customers/debtors renegotiations, participation in strategy projects (e.g. Krajowy Ośrodek Wsparcia Rolnictwa project, CRM & work flow system), business merger, internal due diligence, coaching.Achievements:- optimization of collection dept. (bad debts have been reduced up to 1%),- redefinition and improvement of collection strategy (both a positive customer relationship & higher level of recovery), - improvement of work flow within the collection department and other units (faster feedback, reduction of collection claims over 70%),- increased level of recovery (quarter after merging the recovery amounted to 25% of early set up provisions),- reduction of costs concerning collection external agencies over 50%,- created a transparent bonus model for collection,- created a positive atmosphere, motivating to work and achieving goals for employees of the risk area.

Warsaw

Risk assessment, checking & selection portfolio for Sales Dept, managing early warning, rehabilitation process & legal assessment, managing a teamwork & process improvement concerning higher soft & hard collection efficiency, bad debts sales, co-operation with external collection institutions (debts services), customers negotiations, participation in Eniro’s strategy projects (in marketing & sales projects relating to new products introduction, new terms of global agreement, payment etc), co-operation with other units, supervising 40 people collection team.Achievements:- improvement of work flow within the collection department,- redefinition and improvement of collection strategy,- optimization of collection dept. resulting in cost reduction and increased efficiency (bad debts have been reduced from level 8,5% up to 3,8%),- reduced the cost of collecting activities and external agencies.

Warsaw

Risk assessment, approval decisions for analyzed customers, collateral evaluations, co-operation with rehabilitation unit, customers negotiations, customers visiting, co-operation with other units and credit dept. within the frame of bank structure (recommendations over ABF approval limits).

Warsaw

Participation in processes and procedures optimization, risk assessment, managing rehabilitation process, collateral evaluations, recommendation for NBP, GAAP classified customers, provisions calculations, preparing new restructuring strategies, action plans, triggers, restructuring covenants (as mandatory terms), difficult customers renegotiations, customers visiting, calling („general customer massage”), co-operation with hard collection and other units, supervising 5 people team.Achievments:- created a debt recovery process based on individual investigation of cases as well as complex portfolio management based on delinquency buckets,- conducted many difficult debt recoveries with complex legal and factual characteristics,- responsible for approving limits within individual limit of USD 2M,- participated in many professional trainings giving me the opportunity to challenge knowledge with practice also in multinational environment.

Warsaw

Coaching, supervising of credit & leasing process, managing risk assessment, participation in rehabilitation process, preparing collateral appraisal reports, managing a teamwork, participation in sessions of process improvement concerning credit and business process (new rules, procedures for early warning, rahabilitation areas etc), take approval decisions, negotiations, relationship with customers, co-operations with hard collection, legal, sales depts. and other units, supervising 7 people team.

Warsaw

Credit risk estimation, assessment of borrowers risk, managing of credit process, participation in rehabilitation and leasing process, exception recommendations, preparing grading reports, approval decisions, participating in high risk projects, testing & implementation of new credit system project (Poland, Czech Republic, Hungary), co-operation with other branches of Citibank, collaboration with other depts., renegotiations, participation in sessions of process improvement, leading of training sessions concerning credit process, participation in credit & business processing as member of Credit Committee and Pricing Committee, participating in due diligence, credit review of Bank Handlowy and Handlowy Leasing before merging both institutions.

Warsaw

Credit risk estimation (insurance credit domestic, vadium bonds, contracts bonds, others), assessment of risk customer, participating in high risk projects, co-operation with foreign reinsurers, brokers, sales dept., within the frame of PZU structure supervising of underwriting teams located in branches, reporting, branch analysis, negotiations.

Warsaw

Auditing for companies included National Investment Funds, preparing business plans, general consulting, collaborations with accounting units of analyzed names, co-operation with “BIG 6” auditors companies as subperformer (A&E Consult).

Warsaw

Monitoring and reporting the utilisation of credit lines, collaboration with credit officers, other units of bank, preparing the rules of utilization foreign credit lines, forecast analysis, co-operation with foreign banks, portfolio management.