Ruxandra Cota

Experience

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  ING Romania

  Jan 2007 - Jan 2009

  Client Data Monitoring and Reporting Officer
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  BCR

  Mar 2009 - now

  -Generate new domestic and export factoring business-Cooperation with front office staff for specialized support, advice and deals structure-Support offered to clients for factoring special requests-Factorability advice for domestic and export factoring transactions by analyzing the terms and conditions of commercial contracts and verifying eligibility criteria-Single point of contact for reverse factoring transaction implementation (testing and implementing new reverse factoring workflow)-Coordinate the annual audit process-Preparing reports for internal and external customers (e.g. outstanding; limit allocation; fees charged; income volumes)-In house training for new department staff regarding factoring products Show less -Receive all transaction documents and implement the conditions as per factorability advices-Proceed with all steps from financing to cashing-in of the assigned receivables -Applying the agreed collection procedures-Carry out the cashing-in of the FX/ RON receivables-Prepare the claim file in case of factoring operations with insurance-Contract drafting for Reverse Factoring -Perform daily and monthly reconciliation of factoring accounts balances -Participate in preparing reports regarding exposure on factoring companies/insurance companies-Submit of daily/monthly reports to clients-For export factoring: requests to FCI members ceilings on borrowers , costs related to services provided and transaction conditions (collection and/or risk of default coverage)-Maintain contacts with customers, relationship managers; back office staff; FCI members Show less - CUSTOMER RELATIONSHIP MANAGEMENT: developing and enhancing the relationship with Group Large Corporate clients by establishing contacts, being single point of contact for Group Large Corporate and Large Corporate clients regarding cash management and trade related products and services;- Providing support to corporate clients:1) in current activity regarding receipts and payments: obtaining details of the receipts, in order to allocate them in their own system, adjusting erroneous transactions;2)in order to choose the appropriate electronic banking application for conducting online transactions through electronic channels3)for proper functioning of direct debit / cash collection / payments to non-customers agreements concluded between the Bank and various service providers4) proper functioning of cash pick-up agreements (cash orders and consumables changes / changes of collection hour on clients' request)5)cross-selling and telemarketing activities-PRODUCT MANAGER RESPONSIBILITIES: creating and developing token device management application for corporate network ( creating application flows , application testing, regulation on the management of this application, and support offered to the corporate network in its use ):-the application was created for a proper management of token devices (entries and outputs) used by corporate clients Show less -Managing credit/factoring accounts -Opening / closing current accounts ; -Offering advice to clients in their daily transactions ; -Collecting the necessary documentation for loans-Preparing the documentation for various credit products ( loan and guarantee contract)-Opening / updating guarantees for these products; -Managing and executing all credit transactions ; -Verification of the fulfillment of the credit agreements conditions ; -Registering guarantees at AEGRM ; -Periodically verification of the guarantees ; -Managing current accounts records for corporate clients ; -Supervising the accuracy of the customer's transactions ; -Creating and updating databases of relevant information on clients ; -Preparing creditworthiness letters and balance confirmation letters ; -Opening deposits and performance bond accounts ; -Verifying and updating interest for credit-related products Show less

  • ESG (Green) Products Expert

    Feb 2023 - now

  • Product Manager

    Sept 2020 - now

  • Supply Chain Finance Specialist

    Jan 2016 - Sept 2020

  • Supply Chain Finance Client Service

    Aug 2015 - Jan 2016

  • Customer Service Representative

    Jun 2010 - Aug 2015

  • Account Manager SME

    Mar 2009 - Jun 2010