Cristian Dragan
Chișinău
Summary
Highly skilled Corporate Credit Manager with a proven track record of exceptional achievements in the financial industry. Demonstrated expertise in decreasing non-performing loan (NPL) rates and driving growth by increasing portfolio size and the number of active clients. Adept at analyzing financial data, managing risk, and making strategic decisions that result in improved financial performance. Committed to providing excellent customer service and ensuring compliance with industry regulations.
Overview
4
4
years of professional experience
Work History
Corporate Credit Manager
CB "Victoriabank" JSC
08.2019 - 02.2023
- Work cross-functionally with sales, management and other departments to maintain effective operations.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Monitored accounts for signs of fraud and non-payment issues.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Optimized credit approval and collection processes, improving operational efficiencies by over 100%.
Education
BBA - Economy And Business Administration
Alexandru Ioan Cuza University of Iași
Iași/Romania07.2019
Skills
- Financial Analysis Communication and negotiation
- Microsoft Office platform Project Management
- AML Monitoring
- Customer Satisfaction
- Customer Experience
- Temenos Banking System
- Key Performance Indicators (KPI)
- Debt Recovery
- Accounts Payable and Accounts Receivable
- Loan Applications
- Risk Analysis
- Native or Bilingual Proficiency
- Full Professional Proficiency
- Cost and Budget Analysis
Accomplishments
- Using communication skills and negotiation raised the profitability more than 2 times
- With the help of the financial analysis and risk oriented intuition decreased the level of NPL to 5% of the current portfolio.
- Resolved product issue through consumer testing.
- Increased the portfolio size by over 200%.
- Increased the number of active clients by 75%.
- Increased ne number of active POS user by more than 300%
Additional Information
- AWARDS, Diploma for Exceptional Performance in Sales andFinance (03/2020 - 06/2020)In the second quarter of 2020 I was awarded by the CEO as the best sellerwhen I finished the project by signing the biggest contract of the year
Languages
Romanian, Russian
Native language
English
Advanced
C1
Timeline
Corporate Credit Manager
CB "Victoriabank" JSC
08.2019 - 02.2023
BBA - Economy And Business Administration
Alexandru Ioan Cuza University of Iași
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