CATALIN FERECUS

• Identified new business opportunities through diligent market research and analysis, contributing to increased revenue growth
• Promoted and sold a diverse range of financial products, including cash management solutions, credit facilities, treasury services, insurance, leasing and investment solutions
• Assessed client needs and provided tailored financial solutions to support their business objectives
• Prepared over 100 complete credit proposals annually, conducting in-depth financial analysis and cash flow projections to assess creditworthiness
• Maintained up-to-date knowledge of industry trends, regulatory changes, and competitor offerings to provide informed advice to clients
• Cultivated strong, dynamic client relationships, ensuring prompt and effective resolution of their financial needs and concerns

• Led an 8-member team, setting strategic goals and optimizing performance to achieve business objectives
• Led initiatives to promote banking products, expanding the customer portfolio across assets and liabilities
• Consulted with clients to assess their financial needs and developed customized financial solutions
• Conducted financial and business assessments as the primary approver of credit files, ensuring decision-making
• Evaluated branch performance and assessed employee effectiveness to enhance operational efficiency and service quality

• Engaged with more than 400 clients to present banking products and services, strengthening business relationships and driving growth
• Conducted in-depth consultations to identify client needs and design customized financing solutions
• Prepared and reviewed comprehensive credit documentation, including financial and risk analysis, to support approval processes
• Oversaw daily client operations and proactively monitored credit facilities to ensure compliance and optimal performance
• Identified new business opportunities through diligent market research and analysis, contributing to increased revenue growth.

0 Conducted more than 100 financial analyses of clients based on their financial documentation to evaluate creditworthiness

• Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
• Assessed future repayment capacity through detailed cash flow projections

• Conducted comprehensive due diligence for credit assessments, evaluating clients' financial situations and repayment capacity through detailed cash flow projections
• Analyzed internal and external factors to assess potential risks, ensuring informed decision-making
• Implemented and monitored credit facilities within banking software, ensuring accurate integration and ongoing performance tracking
• Prepared all required branch reports in compliance with legislation and management directives

• Prepared and presented the payment/collection documents in clearing session fulfilling all procedures and NBR's regulations

• Basic accounting registration
• Prepared monthly closings by creating journal entries and reconciling accounts.