Bogdan Dima

Preparing the credit packages (Moody’s financials, credit analysis, non-financial analysis, term sheets, risk assessment) for companies belonging to different industries and issuing a recommendation with respect to the client’s creditworthiness.

Participating in a job rotation program for a deeper understanding of the banking system procedures and rules.

* Monitor intensively and manage pro-actively the Sensitive Portfolio clients * Elaborate the Remedial Strategies and presenting them to the Credit Committees * Negotiating with clients in order to implement long term strategies (debt restructuring, equity infusion, business turnaround, standstill agreements) * Advise on strategy, projections and review recommendations based on thorough research and analysis of different sectors, industries and companies * Total credit portfolio managed: app. MEUR 200, performance monitoring.

* Implementing, maintaining and developing close and mutual benefit relationship with a corporate customer portfolio, which posted more than 40% of the total corporate portfolio outstanding * Identifying, qualifying and follow up potential corporate customers according to the bank’s commercial policy, credit risk assessment, communicating directly with other departments for developing the best solution for client and bank * Managing a credit portfolio in amount of app. MEUR 170 * Train and supervise two relationship managers and three Relationship Officers. Main Achievements: Restructuring and implementation of a MEUR 100 syndicated facility resulting in an extra fee of MEUR 1.2 / Lender * Attracting and negotiating deposits (average monthly balance of deposits MEUR 20).

Selling the bank’s products and services and direct involvement in handling the customers’ contracts, agreements and claims; Drawing up and submitting credit applications to the local and central Credit Committee, based on studies of lending propositions on a case-by-case basis, administrating and supervising a loan portfolio, which posted in December 2007 more than MEUR 70; Training and supervising one Junior Relationship Officer.

Main role of the position: new customers research, acquisition and relationship’s development focusing on credit exposure increase, profitability and cross–selling, financial and risk analysis, member of the Branch Credit Committee, replacing the Branch Manager for 6 months with all the related responsibilities, etc.

* Responsible for the development of the commercial policy, according to assets & profitability budget * Coordinate activity of corporate companies and SME related to 50% of bank’s network, being responsible of all issues related to bank customers companies with focus on achieving network targets on loans, deposits and other bank products * Directly manage bank Business Center sales force comprised of 5 relationship managers, 2 relationship officers (located in the Bank Head Office) and 6 branch managers (located in Bucharest) * Establish sales objectives by forecasting and developing annual sales quotas for each profit centre * Provide quarterly different reports to senior management * Recruit, test and hire personal * Train the Relationship Managers in order to be able to identify, classify, evaluate and mitigate the company’s risks from the credit policy perspective * Managing a credit portfolio of MEUR 58 and a deposit portfolio of MEUR 40.

* In charge with corporate business development for three Corporate Regions (i.e. 6 Commercial Centers / 13 counties) * Identifying potential customers, negotiation and structuring financing proposals in line with risk profiles accepted by the Bank * Providing comprehensive advice on business, financial and structural issues * Identifying project / transaction risks and dully mitigate them through specific covenants * Comprehensive reporting to Credit Committee Members from the risk perspective for all the transactions in charge * Overall portfolio management of app. 30% of Corporate Network Outstanding.

Additional courses Participating in Local Talent Pool program organised by BCR; The Winning Pitch – Getting to a “YES”, Triple A Learning; Multiple internal trainings organised by Banca Comerciala Romana with focus on: credit risk management, recovery procedures and people management; Bank position under the insolvency procedure, Schonherr Law Office; Selling and negotiations techniques; Financial Statement Analysis; Fundamentals of Corporate Credit Risk Analysis – Athens, October 2007; Risk Analysis; Sales Management Training Workshop delivered under the EU / BERD SME Finance Facility Technical Assistance Program; Compliance Training.