Štefan Baláž

• Led a team of corporate and SME bankers in the Slovak Republic, driving portfolio growth and business development. • Conducted credit risk assessments and managed leasing financing to support the opening of new corporate branches. • Successfully built and maintained strong relationships with clients, resulting in increased revenue and market presence.

• Managed corporate finance, real estate financing, and project finance for large corporates and mid-corporates. • Provided banking services and advisory for SME financing, mortgages, and consumer loans. • Developed strong relationships with clients to understand their financial needs and provide tailored solutions. • Achieved a 20% increase in loan portfolio through successful client acquisition and retention strategies.

• Led brand development and operations of retail cosmetics chain stores in major shopping malls across Slovak Republic. • Managed HR recruitment, remuneration, and supply chain management for ZIAJA pre TEBA stores. • Achieved significant growth in sales and customer satisfaction through strategic planning and execution.

• Managed import and wholesale operations of cosmetics and pharmaceuticals in Slovakia. • Cultivated and maintained relationships with major retail and pharmacy chains like TESCO and Kaufland. • Oversaw the strategic direction of FORTIS DK s.r.o. and ensured business growth through effective management.

• Directed branch team in business planning and implementation, ensuring compliance with internal policies and procedures. • Developed new business opportunities, assessed credit requests, and negotiated deal structures with customers and bank divisions. • Prepared credit proposals for Credit Committee, contributing to branch performance goals achievement at CSOB Slovakia/KBC Group in Prešov region.

• Managed 5 corporate branches in Central and East Slovakia, overseeing business development and sponsorship of credit applications. • Led negotiations for real estate residential projects in Košice, driving successful outcomes for the region. • Participated in credit committees, contributing to strategic decision-making and financial growth.

• Managed team merger from HVB Bank and UniBanka, ensuring smooth transition and collaboration. • Oversaw credit portfolio development and acquisition of new corporate customers in Košice region. • Supervised credit application preparation and submission to credit committee for financing real estate projects.

HVB Bank merged from Bank Austria Creditanstalt and Hypovereinsbank

• Managed corporate clients department at Bank Austria Creditanstalt a.s. Bratislava, focusing on acquisition of new corporate customers in East Slovakia. • Conducted financial analysis, credit applications, and risk management for domestic and international payments. • Oversaw deposit accounts and maintained strong relationships with clients to drive business growth.

key corporate accounts manager credit applications payments and deposits

credit department controlling

International Relations and Affairs, European Law, International Law