
Timeline
About me
WB Senior Credit Risk Officer, ING
Education

Gymnázium břeclav
1994 - 2001High school education general knowledge
University of economics in prague, faculty of finance and accounting
2002 - 2006Bachelor finance
Experience

Deloitte czech republic
Jan 2003 - Jan 2009Member of audit team in financial institutions department, auditing of accounts. accounting sections and financial statements, consolidation. Responsible for younger colleagues. Audit - Member of audit team in financial institutions department, auditing of accounts. accounting sections and financial statements, consolidation. Responsible for younger colleagues.Financial advisory - Due diligence, processing of data and creation of financial efficiency reports regarding to dividing, mergers and acquisitions of companiesConsulting - Czech Airlines project member – formulating of company strategy, process implementation, financial analysis
Audit asistent
Jan 2007 - Jan 2009Consulting, Financial Advisory, Audit
Jan 2003 - Jan 2007

Coface
Sept 2009 - Feb 2012Coface czech factoring, s.r.o. - financial analyst in risk managementEvaluation of financial health of economic entities, financial analysis of companies, indentifying of credit risk, fraud risk and other risks, recommendation to factoring financing limit assignment

Unicredit
Mar 2012 - Feb 2015Senior credit specialistCorporate BankingRegional centre Prague and Middle BohemiaCreditworthiness analysis of companies, formulating of financing and collateral structure, identifying credit and other risks, credit proposal creation, implementing and maintaining contact with clients regarding a development of its financial position and complying with credit conditions.Experience with:- working capital financing- investment financing- project financing- structured finance (acquisitions, management buy out) Show less

Citi
Mar 2015 - Sept 2015Senior credit risk analystCredit Risk Analyst in ICG Department (Institutional Clients Group / Large Corporates).Preparation of Credit applications, risk management, involved into approval processes, coordination with business department, setting of risk ratings, cash flow modelling, stress testing, etc.Specialized in energy, construction and heavy industry sectors.

Ing bank česká republika
Jun 2016 - nowWb senior credit risk officerLarge corporates (Wholesale Banking), structured finance, cash pooling and international lending, settlement and pre-settlement credit risk approvals - Approving credit proposals within assigned approval authority- Making recommendations to final decision makers- Providing feedback to front office staff for submitted credit proposals, validate assessment of relevant risks, provide advice on optimal structuring of credit risk exposures and relevant mitigating factors for such transactions and obligor groups- Approving internal risk ratings for prospects and existing clients, ensuring that deadlines for rating approvals are respected, advice appeal judges incase of rating appeals- Assisting non-senior credit risk staff in the credit approval process- Credit monitoring of parameters as defined in the risk appetite statement (EAD, EL, PD, RWA)- Checking that covenants are being complied with, including financial covenants- Watchlist trigerring, active participation on workouts of classified loans and definition of provision levels- Participation in intradepartmental meetings and projects related to credit risk (especially with Legal, Lending and Client coverage departments)- Assisting with external (CNB) and internal reporting requirements Show less
Licenses & Certifications

Derivatives
Wb business schoolSept 2018
Languages
- czCzech
- enEnglish
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