gurkan ozdincer

Establishing and structuring Board of Inspectors in the bank - Auditing branches and head office units

Forming and structuring the functions, responsibilities and workflows of the Internal Audit Department of the Bank - Auditing the Branches and Departments of the Bank, preparing audit reports and presenting to Top Management - Working cooperatively with the Risk Management Department in order to form the systems and organizational structure of the Bank in accordance with the risk management methodology

Forming and structuring the functions, responsibilities and workflows of the Risk Management Department of the Bank - Performing the functions of credit risk management, market risk management and operational risk management, organizing monthly risk committees with the Bank’s board of directors.

* Management and supervising of two units, Credit Monitoring Unit and Remedial Management Unit consisting of 30 employees in total * Monitoring of standard credit customers and credit allocation of remedial management customers * Total management of the remedial management customers including classifying decision of the customer, defining trigger points and forming an action plan for each customer, restructuring the loans if needed, periodically analyzing the financials and non-financials for each customer and re-designing the limits, covenants etc. for them * Transfer the customer to NPL if no better solutions could be formed * Monitoring the early warning signals for the portfolio, forming and improvement of the decision mechanism for the detected customers * Improvement of the quality and efficiency of the workflow, process and organizational structure of the total Credit Group

* Monitoring the credit worthiness, repayment performance and early warning signals of the Bank’s (and partially Affiliates’) credit customers; forming and improvement of the decision mechanism for the detected customers * Monthly monitoring the distribution and concentration of the Credit Risk by sectors, risk ratings, risk groups, credit types, maturity dates etc. * Forming and improving consolidated limit – risk reports and presenting to Top Management * Forming and concluding action plans for the internally and externally prepared audit reports * Improvement of the quality and efficiency of the workflow, process and organizational structure of the division

* Playing role for the forming and structuring the functions, responsibilities and workflows of the Internal Audit Department of the Bank * Preparing audit reports about branches, investigations, special cases etc. * Affiliate auditing (Gima) * Playing role in the workshops about appraising the norm staff * 4-months Branch Manager of the Malatya Branch

Preparing audit reports about branches, investigations, special cases etc.

Monitoring of corporate, commercial and SME credits - Inhouse development of application and behavioral scorecards for SME and Commercial Customers

* Responsible for the monitoring, remedial management and NPL management of the Corporate – Commercial * SME portfolio of the bank, which is composed of a team of 86 employees Additional to the former experiences; * Maximum collection of the NPL risk in a swift manner * Managing both collection teams and inner lawyers * outsource law offices * Dealing with asset sale process with asset-management companies regularly