Bulgaria
Banking professional with extensive background in the areas of risk management – both underwriting and NPL, and sales. Highly analytical with deep knowledge in the field of financial analysis, project and company evaluation. Result oriented, striving to find practical and amicable solutions. Adapting to changing environment, able to take decisions and responsibility.
Head of “Leasing of specialized equipment and Real Estate” unit. Managing the performance of the Unit and ensuring achievement of the set KPIs and budget targets. Assuring establishment of sustainable relationship with existing and new clients and compliance with the adopted KYC process. Actively involved in the execution of complex leasing transactions, analysis the financial sate of the lessee, assessment the transaction and related risks, defining the most appropriate terms and conditions and negotiating with all involved parties, aiming closing the deal. Execution of own competences for approval of transactions.
Managing one of the teams, composed by 10 relationship managers, dealing with corporate clients with annual turnover between BGN 2-100 mln. Responsible for effective coordination, organization and control of the overall activity of the Corporate Region, aiming achievement of set commercial targets and KPIs. Establishing long-term business relationship with the clients through effective communication and negotiations, ensuring high level of satisfaction from the provided services. Actively participating in the credit risk assessment and approval process, through structuring complex transaction, evaluation of investment projects and business plans and exercising personal approval competences. Monitors and ensures high quality of the credit portfolio. Achieving constant growth of the business volumes of the Region, in terms of attracted new clients and granted loans, reaching to more than 2.5 times increase of the loan portfolio.
Responsible for the management of corporate NPL unit. The unit is composed of Restructuring team - managing distressed exposures which are not in enforcement stage and Workout team - managing the enforcement activities for corporate clients. Monitoring the performance of the both teams, supporting the colleagues in development restructuring and workout strategies, participating in direct negotiations with clients and investors.
Heading the restructuring unit, managing exposures for which various signals for deterioration of financial state are available. Dealing with clients who are in distress but still not in enforcement stage. Main objective is development of restructuring strategies aiming stabilization the financial condition of the clients and minimizing possible losses for the bank. My role was monitoring the performance of the unit, supporting the restructuring officers for development and implementation of different restructuring strategies, as well taking part into direct negotiations with the clients regarding their execution. Exercising own competence limit and presenting restructuring application to the higher decision bodies.
Reviewing credit applications prepared by the business units. Performing financial analysis of existing and new clients. Exercising own competence limit and preparation of credit applications for higher decision levels. Supporting the business units in structuring new financing and offering risk mitigating factors and covenants. Mentoring and training junior members of the team.