Vinatoru Bogdan

• Actively participating in credit risk structuring and financing specialized projects (directly connected with business representatives): SPV and syndicated loans - energy, real estate, M&A, public institution, IFN.
• Actively participating in risk structuring and financing large corporate deals (directly connected with business representatives): top 5 industry and international, manufacturing, agriculture, trading, food, construction.
• Team management and support/guidance for risk assessment process.
• Own competency EUR 2,5 M. Handling a portfolio over EUR 1 B.
• Participate in setting Corporate Credit Policy.
• Defining target Project Finance & Specialized Lending sectors approach and principles.
• Actively involved in bank development strategies, part of stream for structural changes within organization.

• Manage top large corporate exposures (over EUR 10 M group exposure) syndicated loans, cross border - joint participation.
• Part of a team of 5 senior analyst , offering support, sharing my experience and good practice.

• Defining the Project Finance & Specialized Lending sectors and principles
• Defining the Large Exposures approach
• Member in Monitoring Committee
• IFRS 9 individual provisioning

• Evaluate the credit risk associated with the loan transaction and recomend approval terms. This recomandation is based on a written risk assessment which is presented to Credit Committee members along with the credit aplication.
• Manage large corporate deals; the financed industries varies from construction, energy, services up to agriculture.
• Manage project finance type of loans: SPV financed based on project and cash-flow plus municipalities.
• Participate in the bank's procedures and products improvement process.

- Analysis based on financial statements in order to evaluate business and worthiness of the companies.
- Provide technical guidance regarding loan procedures, respond to customer inquiries and evaluate risks associated.
- Propose to the committee the optimal variant of loan after consulting with the network team and meeting both client’s needs and internal loan procedures.

- Coordinates, plan, and monitor the branch loans department activity (department is formed by a team of 5 colleagues);
- Identifies, understands and manages potential risk situations within the branch and the loan department;
- Management of a portfolio of app. 200 individual financed companies;

- Actively participates within 10 branches’ business development program throughout the region;
- Coordinates the business colleagues in order to generate and maximize the lending activity for companies;
- Participates to the elaboration and implementation of the risk policies for companies;
- Voting member in Local Credit Committee (veto);

- responsible for direct sales for companies;
- analyze and instrument the proposal for approval;
- monitors the loan until the full reimbursement;