Simona Cristina Baban

As Head of CUW Dept, my role is to:

• Achieve specific objectives of the team and ensure a proper functioning of the Dept.
• Monitor and analyze performance metrics, preparing detailed reports for senior management, both for local stakeholders and for higher level of authority (Regional, Group level).
• Participate in Regional/Group calls, updating status on specific initiatives.
• Work closely with other departments to ensure CUW processes support business goals and identify necessary improvements.
• Document, manage and improve procedures and flows currently in place.
• Simplify the current processes in order to increase efficiencies by using Group tools.
• Ensure that all team members are onboarded and that they can manage their daily activities;
• Establish the individual responsibilities and objectives for each team member and organize follow-up sessions.
• Offer support to team members for managing and solving unusual situations and/or complex cases that may appear.

As an operational commercial underwriter, my main objective is to ensure the profitability of the credit insurance business line: each new trade credit policy and each renewed policy must have terms and conditions that allow to post a profit at the end of the policy year:

• I am in charge of the terms and conditions of the short-term credit insurance policies: pricing, technical parameters and specific contract wording.
• Support the commercial teams by sharing expertise and providing them with solutions to prospects and clients’ needs.
• Ensure that the wording used complies both with our Group Rules and the local regulations.
• collaborate with risk underwriting team to maintain a balanced risk-reward approach.
• Comply with Group Compliance rules and procedures.

My main objective as an Account Manager was to foster, maintain, and nurture the relationship with TCI customers as a strategic business partner:

▪ Keep close contact and establish personal relationship with the clients in order to assure the expected portfolio renewal rate;

▪ Offer permanent support for TCI customers regarding the insurance contract (explaining contract terms, the working procedure and online platforms, represent the clients’ interests inside Coface);

▪ Propose and negotiate with the client the renewal offer taking into account the renewal rules in place, the clients request and the contract’s performance;

▪ Identify upsell and cross-sell possibilities related to the client’s business and also promote Coface innovations that could provide added-value for the client;

▪ Permanent collaboration with global teams to ensure smooth implementation of global projects on the local market: key user for testing phases, local super user for permanent CRM tools, Regional coordinator for global contract management tool;

▪ Provide weekly or per request reports and information regarding my TCI portfolio;

▪ Maintain a "Know Your Customer" procedure updated and completed.

The main objective as an Account Manager was to develop and implement the sales strategy per customer aligned with BRD’s strategic objectives and to manage the customer relationship on an ongoing basis.

▪ Coordinating the activity of the high net worth individuals commercial team (4 people); providing support in dealing with complex requests, ensuring a proper communication between my team, other departments and hierarchical superiors; creating, implementing and assuring the follow up for every project I was assigned;

▪ Building long term partnership with the customer;

▪ Achieving annual commercial targets as new wealth investments or new mortgage loans;

▪ Maintaining, developing and increasing a 700 clients’ portfolio;

▪ Identifying each client’s specific needs and proposing them the appropriate financial products and services;

▪ Preparing credit files and granting loans;

▪ Monthly analysis of the portfolio performance in terms of net income and cost of credit risk;

▪ Regular monitoring of high risk clients transactions;

▪ Regular recovery of overdue loans;

▪ Active involvement in marketing, social, and cultural campaigns.

The main objective as a BO Retail Officer was to perform Back-Office tasks related to the high net worth individuals loans and operations. Coordinating the department`s input into the AQR (Asset Quality Review) project; Credit files analysis (credit cards, overdrafts, personal loans, mortgage, temporary loans) in terms of operational and credit risk; Data entry and drafting loan contracts; Support Front Office in query handling; Regular monitoring of the stock of ongoing loans.

The main objective as a Front Office Consultant was to offer all branch individuals and corporate clients high quality banking services and also to provide operational support to the rest of the branch departments. I have been in charge of domestic payments, cash and intra account transfers, managing clients` investments funds, the release of dividends distributed by companies and updating customers` personal information.

Managing and developing the customer portfolio, presenting, promoting and selling products according to the company's standards and policies, participating in negotiations, drafting contracts, monitoring and reporting to hierarchical superiors, actively participating in the company's internal projects.

The main objective as an Account Manager was to maintain, develop and increase the Office client portfolio by identifying each client’s or potential client`s specific needs and proposing them the appropriate financial products and services. In order to achieve a pre-established monthly target, I had to apply my own prospecting strategy based on a daily market research.