İzmir, Türkiye
Throughout my 7 years of professional experience in the finance sector, I have contributed to data-driven decision-making processes through various roles. In recent years, I have worked specifically as a business analyst in the credit domain, where I actively participated in project phases such as requirements analysis, data collection, SQL-based data extraction, and data visualization using Tableau. My focus has been not only on processing data, but also on delivering insights that support strategic business outcomes. These experiences have equipped me with the ability to effectively analyze and interpret data across different industries.
•I conduct comprehensive financial and risk analyses of SME commercial loan applications within my assigned region and make credit approval decisions in line with the bank’s credit policies and risk appetite. •I collaborate closely with branch teams under my responsibility, ensuring that credit proposals align with the bank’s strategic objectives and regulatory requirements. •I evaluate financial statements, cash flow projections, collateral structures, and sector dynamics to structure sustainable and well-balanced credit facilities. •I actively monitor portfolio quality and loan performance, proactively identifying potential risks and implementing action plans to mitigate credit exposure.
• I analyzed collateral data using SQL to extract key performance metrics and identify systemic bottlenecks affecting process efficiency. • I collaborated with cross-functional teams to address root causes of process issues, leveraging data-driven insights to guide resolution strategies. • I designed and scoped end-to-end optimization projects for collateral management, including workflow redesign, system configuration, and automation planning. • I conducted user acceptance testing (UAT) to validate system outputs and improve overall user experience, which led to a 90% increase in process quality.
• I analyzed the financial statements of commercial entities to gain insights into their financial health and assess their creditworthiness. • I evaluated credit requests by identifying clients’ current financial needs and recommended optimal credit structures accordingly. • I monitored repayment performance following credit disbursement to proactively identify and manage emerging risks. • I contributed to client-level risk monitoring processes, helping maintain portfolio quality and enhance early warning mechanisms.