Istanbul, Türkiye
I am a Credit Underwriter at Citi with a career objective to grow as a committed professional in the Finance function, using the operational skills that I have gained during more than ten years of commercial and corporate banking experience. As an experienced team player and a finance graduate, I am a self-starter, data-driven person and adept in capturing any financial topics while learning fast by connecting with stakeholders from all levels of seniority.
• Responsible for the financial and operational performance of a dedicated portfolio • Prepare annual and interim credit analyses for the clients in the portfolio • Write up and defend new transactions and credit proposals • Do all aspects of credit due diligence for the portfolio including in-depth financial analysis, rating analysis, cash flow modelling, and client calls to project and interpret companies’ repayment capacity • Specialized in different industries; including but not limited to Metal Working, Automotive, Consumer Durables, Oil, Airlines, Telecommunications, and FIs • Cooperate with various stakeholders from different levels of seniority as a part of the transactions and credit proposals
My responsibilities as a Senior Credit Analyst in Isbank were as follows: • Responsible for a portfolio consisting of Isbank’s corporate clients from, but not limited to, Tourism, Aviation, Logistics and Shipping sectors (15 groups) • Analysing financial reports of the clients to identify their credit risk and structuring/offering credit solutions for their needs within tight deadlines • Reviewing and interpreting clients’ financial statements, analysing their business processes, performing financial analysis, and modelling cash flows projections to evaluate their repayment abilities within the scope of the industry they are in • Preparing reports for loan applications to relevant committees and boards of Isbank • Conducting relevant industry and market analysis • Monitoring the collateral assets and performing periodic reviews of existing credits • Calculating and monitoring expected loss provisions for the customers within the IFRS 9 framework
My responsibilities as a Senior Credit Analyst in Isbank were as follows: • Responsible for a portfolio consisting of Isbank’s corporate clients from, but not limited to, Tourism, Aviation, Logistics and Shipping sectors (15 groups) • Analysing financial reports of the clients to identify their credit risk and structuring/offering credit solutions for their needs within tight deadlines • Reviewing and interpreting clients’ financial statements, analysing their business processes, performing financial analysis, and modelling cash flows projections to evaluate their repayment abilities within the scope of the industry they are in • Preparing reports for loan applications to relevant committees and boards of Isbank • Conducting relevant industry and market analysis • Monitoring the collateral assets and performing periodic reviews of existing credits • Calculating and monitoring expected loss provisions for the customers within the IFRS 9 framework
My responsibilities as a Senior Credit Analyst in Isbank were as follows: • Responsible for a portfolio consisting of Isbank’s corporate clients from, but not limited to, Tourism, Aviation, Logistics and Shipping sectors (15 groups) • Analysing financial reports of the clients to identify their credit risk and structuring/offering credit solutions for their needs within tight deadlines • Reviewing and interpreting clients’ financial statements, analysing their business processes, performing financial analysis, and modelling cash flows projections to evaluate their repayment abilities within the scope of the industry they are in • Preparing reports for loan applications to relevant committees and boards of Isbank • Conducting relevant industry and market analysis • Monitoring the collateral assets and performing periodic reviews of existing credits • Calculating and monitoring expected loss provisions for the customers within the IFRS 9 framework
After working as a Bank Clerk for a year, I enrolled and passed the exam to work as a Junior Marketing Associate in Isbank. My duties were as follows: • Developing and implementing advertising campaigns for the company’s branches and its clients • Forming the characteristics of products and services to be promoted in campaigns • Creating and presenting departmental performance reports on a weekly / monthly / annually basis • Organizing and delivering educational programs and informational materials to increase awareness of agricultural banking for the employees