Istanbul, Istanbul, Türkiye
I am an experienced Credit Manager with a demonstrated history of working in banking and the oil & energy industries. Skilled in Credit risk, internal audit, market risk, financial risk.. Strong finance professional with leadership attributes.
- Responsible for the credit management of Retail B2B & B2C, Commercial Fuels, Lubricants, LNG&LPG businesses of Shell. Managing Shell Turkey portfolio & double reporting to both Shell Turkey CFO and Shell Europe-Africa Regional Credit Manager. - A member of Europe-Africa Credit Leadership Team. - Spending at least 40% of working hours in the field, leading credit deals proactively and manage country credit portfolio of almost 10.000 dealers, distributors, resellers with a monthly exposure of almost 2 billion TL. - Holding Credit Allocation authority of 5 Mln USD per account as Country Manager and submit credit files exceeding this limit to Regional Credit Manager. - Responsible for both on and off shore teams within the defined area of responsibility, and actively supporting their Learning & Development. Managing 23 credit staff (Credit Assessment Analysts, Debt Collection&Cash Allocation Analysts, Bad Debt Recovery Analysts) including Shell Business Operations Center based in Poland. - Giving trainings to sales account managers on basic understanding of Credit Risk Management and how to manage a healthy portfolio under volatile market conditions. - Making regular presentations to Board of Directors, Regional Credit Manager, CEO, CFO and Executive Management Team of Shell Turkey. - Close interaction with key stakeholders as Business leaders, CEO, CFO, and global senior management of the Royal Dutch Shell. - Giving annual DSO, Overdue and Bad Debt targets to each business in line with Group’s main strategy ensuring a healthy growth with both volume and profitability while mitigating default and bad debt risks. - Actively negotiate credit approval conditions with the customers including maturities and security type/level of deals. - Provide interpretation of policy and guide the businesses on the principles of sound credit management. Keep up-to-date the businesses by having close relationships with the sales managers and reading information from industry sources.
Head of Credit Risk Unit, Risk Policies & Reporting Department - Creating and applying Corporate, Commercial and SME Credit Policies including Product Programs, Limit Delegation and Security Change Matrices with Risk and Customer Based Approach (The purpose of the Credit Policy is to establish consistent standards and to define the risks Bank is willing to take during relationship with the customer. Active relationship management, closely monitoring economic changes and early warning signals are of great importance to the Bank, considering the dynamic structure of world, Turkish and also Saudi market.) - Implementing credit policies at the stages of evaluation, allocation, management and monitoring of Corporate, Commercial and SME Loans, - Making use of business opportunities by providing profit and risk optimization, - Identifying Loan-To-Value and Risk Preferences for Corporate, Commercial and SME customers, - Determining Credit Allocation Authority Limits for appropriate lending structure, - Creating Provision Allocation & Write Off Policies in line with the regulatory requirements, - Establishing Target Market and Risk Acceptance Criteria Model (TM-RAC) for Corporate, Commercial and SME customers which is a policy tool used for determining healthy relationship with customers with predetermined set of allocation rules due to selected parameters such as sector, rating, segment, collateral&credit types and customer needs, - Analyzing historical data of non-performing loans, credit growth rates with segmented and sectoral breakdown and net credit losses to prepare MIS reports. - Business Risk Reviews including detailed credit file reviews - Scenario Analysis and Stress Testing for the portfolio of the Bank and also for Corporate & Commercial Customers under stressed and extreme conditions, - Giving regular trainings to branch and regional managers about Credit Policies and introduce them the key success factors of lending
Commercial Banking Department - Pricing of both cash and non-cash commercial loans, - Assessing return on risk calculations done by customer relationship managers in branches within acceptable risk-return trade-offs, - Creating credit approval requests including collateral and payment term structure of commercial loans before submitting credit files to Allocation Department - Giving regular trainings to branch and regional managers about Credit Policies and introduce them the key success factors, - Analyzing market trends in Turkey&Europe and leading Commercial Banking Department staff to create a robust and profitable credit portfolio.
- Evaluating credit files of customers in the largest Bank of Turkey with an asset size of over 100 billion USD, - Auditing corporate and commercial credit files in both branches and head office level, - Writing advisory reports for Corporate customers to be considered and evaluated at the Board of Directors level via Audit Committee, - Selected as a commercial credit executive candidate and was trained to develop & maintain a robust credit allocation process, file review, evaluation and monitoring mechanism with high standards, - Worked in Credit Management Project which brings a fundamental change in credit overview of Commercial lending structure, - Audited Corporate Loans Department of T. Is Bankasi A.S. and Industrial Development Bank of Turkey (TSKB) - Regularly reviewing credit collections with collection officers at head office level, - Giving trainings to branch manager candidates to help them growing healthy credit portfolio