pedro denis

Credit Standards for BMW Group Financial Services worldwide: # Commercial Finance Credit Advisory # Defining improvements based on regulatory requirements # Developing and implementing credit standards # Supporting and consulting markets regularly on the implementation of credit standards by developing measures and processes # Facilitator and speaker in e.g. Trainings and Workshops Regulatory Topics: # On demand consultancy on regulatory topics and development of concepts # Contact, coordination and follow-up of internal and external audits # Regulations and working instructions Coordinate the participation of the Credit Department in relevant Projects.

Importer Finance: # Latin America, Africa, Middle East, South East Asia # analysis of existing and potential importers # country risk analysis # SWOT analysis Spanish Market: # quality assurance of credit proposals # recommendation of proposals to the Credit Committee # consultancy and training to the market

* Analysis of prospective’s balance sheet and P&L statements presented by the Account Officers. * Responsible for following up the maturity and evaluating the client’s Factoring advance limits analysing their risk and profitability for Heller Factoring Portuguesa, SA and for ensuring the timely renewal of existent credit facilities. * Co-ordination of the evaluation process of all credit lines granted to debtors on a monthly basis, ensuring that by the end of each month all credit lines are renewed. * Proactive development of several Excel work sheets to help improve the analysis method as well as the internal controls.

performance of several internal audit controls # support to the Internal Audit Team

Member of the National Risk Committee # Member of the National Credit Committee 1. Credit Management (Commercial Finance) # analysis of existing and potential dealers # macroeconomic and industry sector analysis # SWOT analysis 2. Residual Value Risk # setting # backtesting # monitoring 3. Operational Risk # review cycle and reporting # establishing Action Plans # Emergency Crisis Management # Business Continuity Management 4. Team Management # managing the Retail Credit Analysis Team 5. Credit Management (Retail) # monitoring of living portfolio # development and validation of scorecards # reporting to the Central Bank 6. Anti-Money Laundering (until Dec 2010) # training to associates # internal reporting # regulatory reporting

* Responsible for successfully ensuring the timely renewal of credit files and for following up the files under analysis. * Day-to-day team management. Assigning of the workflow between the 5 credit analysts team. Meeting with the Head of Corporate Banking. Establishing and complying with several control plans in accordance to the parent company’s policy. * In addition to the Corporate Credit Analyst post.

• Analysis of each client’s balance sheet and P&L statements according to schedule and / or instructions received from the Head of Corporate Banking or Account Officers. Facilities granted to clients include overdraft, hot-money, MLT loans, bank warranties and others • Collection of all relevant information to complement the credit proposals.

• Member of the team responsible for the creation of BNP Paribas’ Portuguese Branch Securities Department • Operations’ collecting and processing • Substitute for the Head of Department during her absence and vacations.

• Teller and administrative support to the office manager.

Member of the Centre of Excellence: Risk # Main audited areas: Credit Management, Risk Management, Compliance (incl. Anti-Money Laundering and Data Privacy Protection), Operations, Treasury and Cash and Money Transfer # Countries visited: Spain, France, Italy, Germany, Belgium, Sweden, Dubai, Brazil and South Korea