Job expirat
• Identification of the clients with overdue amounts over 90 days, or clients business customers and Individuals to be transferred to R&WO Department;
• Assessing the current status of the loan exposure and its related collateral, assessing the debtor’s business and financial performance (including repayment capacity)
• Credit risk assessment of credit applications for daily follow up of the credit files in progress, communicating directly with branches and corporate or legal department for developing the best lending solution for client and bank;
• Assessment and approval of final customer rating;
• Prepares all files for submitting to relevant credit authority (restructuring, new money, recovery options etc) together with their opinion;
• Implementing and supervising the agreed restructuring plan
• Performing visits to customers
• Negotiation with main creditors (financial institutions, suppliers etc) regarding restructuring plan or common strategy;
• Meeting with consultants regarding restructuring;
• Search for new investors with aim to prop up the capital base
• Identifying, proposing and negotiating the solutions with the debtors in view of an amicable recovery
• Evaluation of the expected recovery from the pledged securities (deposits, assignments, pledges, mortgages etc),
• Proposal for Loan Loss Provision;
• Cross Checking of loan documentation and of collateral contracts – subject of support provided by Legal Division;
• Assessment of the borrower’s legal and economic situation;
• Submitting for approval the proposals for starting the legal procedures against debtors;
• Submitting for approval proposals for taking into Bank’s possession the assets allotted for the guarantee as to close the credit facilities;
• Monitoring of the debtors part of Restructuring Business customers and Individual’s portfolio.
• University graduated, economic specialization (legal studies would constitute an advantage)
• Minimum 5 years experience in banking activity (banking professional experience within credit risk department minimum three years would constitute an advantage);
• Very good knowledge of accountancy and financial analysis
• Good knowledge of Banking Laws and Regulations
• Disponibility for extensive traveling
• Good communication skills
• Strong analytical skills, attention to details and ability to make correlations and track down discrepancies
• Good negotiation skills - profit orientated person
• Capability to work independently (at all stages of a transaction including decision making)
• Ability to operate in highly sensitive, pressurized environment;
• Team player
• Time management skills
• Proactive
• Very good knowledge of Business & Financial English
• Very good command of MS Office
UniCredit Group este una din cele mai mari organizatii financiar-bancare din Europa, fiind numarul 1 pe piata bancara din Europa Centrala si de Est. UniCredit este prezent in 23 de tari, unde 170.000 angajati deservesc peste 40 milioane de clienti prin intermediul a 9,000 de sucursale.
UniCredit Tiriac Bank , membra a Unicredit Group este un important jucator pe piata bancara din Romania, cu active in valoare de 3,6 miliarde EUR, o retea de peste 140 sucursale, unde peste 2.600 de angajati vin in ajutorul a peste 600.000 de clienti.