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Work Background
Banking Analyst
ZootBanking Analyst
Apr. 2023London, England, United Kingdom- Performed quantitative analysis of credit risk models, default probabilities, portfolio performance of Tier 1 and 2 banks and financial institutions, contributing to a 20% reduction in client default rates; - Conducted due-diligence on companies and industries of my clients by researching trends, financial reports and statements, ultimately developing complex financial models to forecast company performance and assess credit worthiness and risk of these companies; - Engaged with senior banking stakeholders to map out financial KPIs into actionable technical solutions ensuring alignment with financial objectives; - Manage client relationships addressing inquiries, developments and keeping them up to date with economic conditions that impact banking operations; -Led cross-functional collaboration with engineers and credit risk teams to ensure successful deployment of high impact risk analytics tools, overall improving lending profitability through enhanced credit scoring systems;
Financial Analyst
Fine Young CapitalFinancial Analyst
Jan. 2020 - Apr. 2023• Perform accurate due diligence on business opportunities at a reduced price, from bank auctions or other sources, and aid my team with making the actual purchases; • Remodel the businesses to make them profitable by hiring new management teams, inject capital, and then selling some of the businesses, such as a real estate venture for 170% ROI;
Credit Analyst
AGERCredit Analyst
Jul. 2018 - Apr. 2023Bucharest, Romania• Team collaboration to produce in-depth client credit analysis, business risk analysis, financial data analysis and finalize leasing agreements; • Network to bring in new clients, maintain client relations, enforcing my commercial acumen • Negotiate with National Bank to obtain the best rates for the loans • Supervise the management of fixed assets while contracts were undergoing, such as real estate, energy power plants, solar panels, restaurants and offered streamlining solutions to each business • Strategize upon bank loan repayment of a large project, currently negotiating with banks to partly refinance the loan and accept our clients’ fixed assets as form of loan repayment;
Project Manager
ProfitProject Manager
Jun. 2018 - Dec. 2019• Collaborate with team of programmers to refine an accounting and consulting software; • Package the final software as a business product by developing a competitive presentation and pricing strategy, formulating commercial contracts and selling to new clients; • Manage existing clients-relations to better understand their respective businesses, handle their accounting and financial reports and adapt their software interface accordingly; such as adding special features that better organized the stock inventories in the deposit of our client which reduced their costs by 19%;
Intern
GEIntern
Sep. 2016 - Oct. 2016Budapest, Budapest, Hungary• Worked on the CSR report for 2016 made me grasp the importance of social corporate responsibility in society • As part of Working Capital Solutions, I understood the vitality of unlocking capital trapped in assets to help build businesses
Intern
BioLogic SolutionsIntern
Jun. 2015 - Aug. 2015Even though the company was small, my job here was quite challenging. • Getting acquainted with the products and develop engaging presentations highlighting the company’s products to clients • Improved client-based communication by responding to client’s requests for offers, present the products and suggest solutions • Established an easy-access online shop for the company’s products as well as arranging transportation and packaging services of products to customers which facilitated the client's access to our business products
Intern
PwCIntern
Jun. 2015 - Jul. 2015• Created business plans for companies that applied for state aid or that were in insolvency • Developed an understanding of how such innovatory services guide businesses as well as the importance of the company’s organizational structure and position on the market • Created a questionnaire for multiple firms and centralizing the numerical data helped me analyze the respective industry to a greater extent, as well as develop my excel skills
Intern
KPMGIntern
Aug. 2013 - Sep. 2013Bucharest, Romania• Assisted with several reports offering numerous clients advice for their business • Extensively worked with Excel to analyze and comment upon numerical data
Intern
Romanian Ministry of EconomicsIntern
Jul. 2013 - Aug. 2013Bucharest, RomaniaApart from private corporations, I thought I might try working in a public corporation. • Applied analytical skills to work on the reindustrialization project of Romania, by researching diverse industries, analyzing qualitative data and putting together reports to conclude my research
Intern
McCann Worldgroup RomaniaIntern
Jun. 2011 - Aug. 2011Bucharest, Romania• Worked on a marketing campaign for Mega Image, which turned out to be one of the most popular campaigns in Romania. This allowed me to see first-hand, the whole marketing campaign cycle – everything from producing an idea to putting it on TVs and billboards. The most interesting lessons that I’ve learnt from this experience is the importance of understanding both the client and the consumer and thus making sure you send out the right message when putting the idea in practice.
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