Summary
Overview
Work History
Education
Skills
Software
Timeline
Generic

Andrei-Calin Muresan

Credit Analyst
Brasov

Summary

Dynamic Credit Analyst with expertise in credit risk assessment and financial statement analysis at BNP Paribas Bank. Proven ability to enhance compliance and mitigate risks through diligent documentation and data analysis. Strong communicator skilled in building relationships, ensuring customer satisfaction, and optimizing processes for improved efficiency.

Credit professional with extensive experience in analyzing credit data and financial statements to assess risk and ensure compliance with lending standards. Known for collaborative approach and delivering results that align with company goals. Reliable and adaptable, possessing strong analytical skills and attention to detail.

Overview

11
11
years of professional experience
2
2
Languages

Work History

Credit Analyst

Bnp Paribas Bank
Brasov, Brasov
05.2024 - Current
  • Assessed credit risk and analyzed financial statements.
  • Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
  • Analyzed credit scores to determine borrowers' creditworthiness.
  • Attended credit-related training and conferences to stay informed about industry trends and developments.
  • Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
  • Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
  • Gathered loan documentation for underwriting.
  • Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
  • Made decisions and recommendations about extending lines of credit.
  • Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
  • Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
  • Monitored credit accounts routinely to identify and mitigate issues and prevent losses.

Accounts Receivable Analyst

Freudenberg Custom
01.2023 - 05.2024
  • Identified, recommended and executed opportunities to enhance accounts receivable and billing processes to meet finance requirements.
  • Mitigated disputes over invoices by liaising between internal departments and clients, ensuring clear communication and swift resolution of issues.
  • Posted cash receipts to customer accounts to maintain current and accurate account balances.
  • Performed thorough account reconciliations to locate discrepancies and ensure accuracy in company records, avoiding costly errors down the line.
  • Prepared spreadsheets using formulas, V-lookup and other intermediate and advanced Microsoft Excel skills.
  • Developed professional relationships with internal and external clients to encourage open communication and feedback.
  • Negotiated favorable payment terms with clients experiencing financial difficulties, preserving valuable business relationships while safeguarding company interests.
  • Analyzed aging reports to identify trends and patterns causing missed collections.
  • Optimized cash application processes by identifying inefficiencies and implementing process improvements that expedited posting of payments.
  • Participated in the month-end close process, ensuring accurate reporting of accounts receivable balances and timely submission of data for financial statements.
  • Assisted with the implementation of new systems or upgrades, contributing to efficient operations within the Accounts Receivable department.
  • Collected, compiled and analyzed data to prepare customer invoices per contractual requirements.
  • Enhanced cash flow by diligently tracking and reconciling customer payments, ensuring prompt resolution of discrepancies.
  • Contacted internal and external customers to obtain documentation to support invoices and claims.

Customer Support Specialist

Accenture
01.2019 - 01.2023
  • Provided timely assistance to customers via phone, email, and live chat channels, ensuring a high level of professionalism at all times.
  • Managed a high volume of inbound calls while maintaining excellent call quality standards and adhering to established procedures.
  • Developed strong relationships with clients, resulting in repeat business and positive feedback.
  • Enhanced customer satisfaction by addressing and resolving complex issues promptly and professionally.
  • Collaborated with cross-functional teams to address customer concerns and improve overall service quality.
  • Delivered exceptional customer service experiences by maintaining a positive attitude, active listening skills, and empathetic responses to customer concerns.

Receptionist Administrator

Pensiunea Mury
Brasov, Brasov
01.2014 - 01.2019
  • Greeted incoming visitors and customers professionally and provided friendly, knowledgeable assistance.
  • Boosted company image by providing friendly, professional, and timely assistance to all visitors, clients, and vendors.
  • Kept reception area clean and neat to give visitors positive first impression.
  • Enhanced customer satisfaction by efficiently managing incoming calls and directing them to appropriate departments.

Education

High School Diploma -

Johannes Honterus Lyzeum
Brasov
04.2001 -

Skills

Credit risk assessment

Financial statement analysis

Regulatory compliance

Data analysis

Customer relationship management

Invoice reconciliation

Microsoft Excel

Problem solving

Communication skills

Software

SAP Tools , Excel , Outlook , DMS , Ratanet

Timeline

Credit Analyst

Bnp Paribas Bank
05.2024 - Current

Accounts Receivable Analyst

Freudenberg Custom
01.2023 - 05.2024

Customer Support Specialist

Accenture
01.2019 - 01.2023

Receptionist Administrator

Pensiunea Mury
01.2014 - 01.2019

High School Diploma -

Johannes Honterus Lyzeum
04.2001 -

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Andrei-Calin MuresanCredit Analyst