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Marcela Pacáková

Marcela Pacáková

Followers of Marcela Pacáková109 followers
location of Marcela PacákováPrague, Czechia

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  • Timeline

  • About me

    Štěstí přeje připraveným

  • Education

    • Idecaf French institute Ho Chi Minh City

      2014 - 2015
      French language study French conversation courses

    • Státní jazyková škola, Praha

      1999 - 2002
      Státní jazyková zkouška - anglický jazyk studium románských jazyků a angličtiny

      angličtina (příprava ke státní jazykové zkoušce), francouzština (konverzace), španělština (intenzivní kurz - gramatika, konverzace)

    • Obchodní akademie Dušní, Praha

      1995 - 1999
      Maturitní zkouška Business/Commerce, General

      střední škola - obchodní akademie, denní studium, rozšířená výuka jazyků, jazykové kurzy - angličtina, francouzština

    • Vysoká škola ekonomická v Praze

      2000 - 2005
      Ing. Fakulta podnikohospodářská - Podniková ekonomika a management

      Activities and Societies: Účast na letních a zimních sportovních soustředěních VŠE Účast v programu na obnovu památek ve Španělsku organizovaný EU - pracovně-poznávací pobyt Siguenza-Madrid (9-2001) Hlavní studijní obor: Podniková ekonomika a managementVedlejší studijní obor: Obchodní podnikání (retailing)Diplomová práce na téma: Organizační architektura nadnárodních developerských společností Ukončení studia státní závěrečnou zkouškou a obhajobou DP: 2005

  • Experience

    • Citi

      Apr 2004 - Jul 2007

      Decision-making and approval statements to credit applications submitted by commercial department (commercial loans - SME segment), financial analysis, rating of borrowers. Administrative office works for the Legal and Loan/documentation departments (SME) - part time job during my studies at VŠE

      • Junior Credit Approver (SME)

        Apr 2005 - Jul 2007

      • Administrative Assistant

        Apr 2004 - Mar 2005

    • GE Money Bank, Czech Republic

      Jul 2007 - Aug 2008
      Risk Specialist, Commercial loans

      Approval statements to credit applications/credit proposals submitted by commercial department (commercial loans, both corporate and SME, privite-individuals).

    • UniCredit Bank Czech Republic and Slovakia, a.s.

      Aug 2008 - Aug 2018
      Credit analyst - Commercial Real Estate financing /Financing and Advisory Dpt.

      Credit analyst/specialist for commercial real estate financing department.Processing of new loans/reviews/loans´ portfolio changes, preparation of loan/security documentation, general administration of the portfolio of RE clients within the internal system of the bank

    • Raiffeisen-Leasing s.r.o.

      Sept 2018 - Aug 2019
      Senior Real Estate Credit Analyst

      Zpracovávání úvěrových návrhů pro schvalovací proces, tvorba ratingu, zhodnocení nemovitostní transakce, monitoring portfolia (reviews)

    • Česká spořitelna

      Aug 2019 - Aug 2022
      Credit Risk Analyst - EBA Financial analysis department

      Detailed financial analysis of SME and large corporate clients (both individual companies and groups). Close cooperation with underwriting department as well as business departments. Rating proposals. Market analysis and research. Evaluation of clients´financial plans. Basics - consolidations, ESG.

    • Česká spořitelna

      Aug 2024 - now
      Analytik úvěrových rizik, EBA financial analysis department

      Detailed financial analysis of wide range of LC, GLC clients, Anaylsis for reviews + new transactions, CF projections, rating proposals.

  • Licenses & Certifications

    • Commercial risk management training London - 2005, 2007, "Stock exchange games" 2007

      Citi, resp. GE Money Bank

    • First aid training by SOS international clinic Ho Chi Minh City

      SOS International clinic, HCMC
      May 2023

    • French language communication course advanced level

      L´Atelier du Silvie Girard Ho Chi Minh City
      Oct 2022

  • Volunteer Experience

    • Class parent - assistant to teachers, v Australian International School Ho Chi Minh City, Vietnam

      Issued by Australian Internationa School, Ho Chi Minh City, Vietnam on Aug 2014
      Australian Internationa School, Ho Chi Minh City, VietnamAssociated with Marcela Pacáková

    • PTO volunteer, class and country representative

      Issued by International School Ho Chi Minh City on Sept 2022
      International School Ho Chi Minh CityAssociated with Marcela Pacáková