Risk management expertise, Quality control of a credit portfolio of the Branch, Analysis of the individual borrowers’ credit portfolio in order to manage and minimize credit risk following management’s requests, Evaluating of the credit experts’ personal portfolios (in line with the standard indicators and stop signals of deterioration of the quality credit portfolio) and assessment of their results; recommendations to the Head of the Branch, Personal authorizations for stop sales’ decisions: a cut of some credit products and/or some points of sales, Participation in the development of the risk management’s strategy; preparing of the internal instructions and procedures, comments on budget follow-up for loans, Organization of the inspection of the problem points of sales, Formation and maintaining a database of results of monitoring of a credit portfolio of the Branch, the carried-out actions for the revealed violations and the accepted decisions, Analysis and the assessment of the pros and cons of the Branch’s organization in terms of retail credit risks, developing recommendations to its improvement, introduction of actions for prevention / minimization of risks, Reporting to the Head office about credit operations/portfolio in the Branch, Control of execution by the Branch of the requirement of existing standard and methodical documents, Reserves’ process: analysis of possible losses of doubtful loans; identification of threats of emergence of losses and definition of sources of emergence of risks, Permanent supervision of the retail credit process in line with the internal approach. Good quality of retail credit portfolio of the Branch; ACHIEVEMENTS: Good quality of retail credit portfolio of the Branch; lowering Cost of the risks within my period of the monitoring, Tuning of the recovery process in the Branch and decrease of the bad debts, Experience of supervision and coordination of the workflow of the 4 employees within the distance -area of the Branch.

Registration of the loan applications, Сheck of the documents received from potential borrowers. Compliance check with the bank internal policy and Russian legislation. Telephone interview with potential borrowers and their employers, Financial analysis of companies – employers, Preliminary decision-making concerning loan’s granting, Reporting to the top-managers of the Bank (in English).

Risk Assessment of the retail customers (preventing defaults), Monitoring of the Borrower’s Financial standing, solvency analysis, analysis of cash flows, Performing and coordinating the loan’s recovery process; ccalculations of the loans’ reserve, Detecting of the Borrower’s credit Files in order to prevent fraud.

Searching for the potential clients, Keeping regular contacts with the customers, Day-to-day support of the customers, Maintaining and development of customer relations, Assessment of the financial standing of the individual clients, Evaluation and management of the credit portfolio, Sales of the different bank products including individual loans (consumer, car, mortgage), cards, current accounts.

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