Agence CIG (Crédit Immobilier Général) ∙ Société Générale, La Défense, Paris (France)
- Risk Analyst
2016 - 2017 Liability check & upgrade of the KYC (Know Your Customer) monitoring process; day-to-day KYC analysis and monitoring
Development of an insightful and Project-specific annual review — implementation of new liquidity ratios; computerized and secured valuation process of the underlying asset with dedicated Real Estate ratios and the usual DCF methods; control & follow-up of the collaterals; set-up, renewal & cost-impact of interest rate hedges; compliance to liquidity-based covenants; screening & monitoring of outstanding loans
Development of a consolidated Risk-monitoring & assessment platform — compliance to KYC requirements, ratings & models used, annual reviews, collaterals, Basel III requirements
Development of a training tool on the Basel III framework —introduction to the monitoring of the LGD (Loss Given Default), PD (Probability of Default), industry-specific haircuts — and presentation to the Front & Middle Offices’ teams
Development of a scoring toolbox for SPV-investment operations — quality review & improvement of SG/CIG-specific ratings use
2012 - 2013 Trained in corporate banking processes & organization — ratings, prospection for new clients, relationship management & follow-up
Prepared a comprehensive report to the risk assessment division — addition of decisive points to highlight the opportunity to contract a loan with an historical client
Prepared & presented market studies — forecasted data; key trends of the market; main players; Romanian market position; outstanding & upcoming European regulations — related to the bank’s portfolio
