Silvia Istrate

Experience

• 

  Philip Morris International

  Jun 2006 - Aug 2008

  Promoter
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  Raiffeisen Bank Romania

  Nov 2008 - Nov 2013

  - Promoting and selling specific services for our clients (credit and debit cards, current accounts and deposits, Time Loan , Mortgage Loan and alternative channels for all accounts ) in accordance with the catalogue of products and services in quality standards ,providing counselling how to use the purchased products.- Loan’s analysis pre-scoring, checking the documentation files for analysis and submit them for approval.- Performance of any other work related activity and tasks, flowed the job, including checking the daily transactions reports. Banking sector, providing banking services and products in accordance with quality standards of the bank Raiffeisen Bank. Show less -As a Legal Entities account officer I have to sell products attached to current accounts as specially cash management solutions. -Identifying needs and finding solutions for the clients, providing support and advice them in completing paperwork, providing transparent information about the costs, checking and advance payment instruments. - Making transfers and promote faster service to send and receive money through "WESTERN UNION''-Maintaining partnerships with Legal Entities that have opened the accounts in Raiffeisen Bank-Checking and advancing financial reports for Department of Corporate Loans lending.-Create data bases for prospective new Legal Entities. Show less

  • Sales Consultant - Loan Analist

    Jan 2012 - Nov 2013

  • Customer Transaction Officer - Legal Entities

    Nov 2008 - Jan 2012
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  Grup Sapte

  Nov 2013 - Apr 2024

  Financial Analyst

  -Guide the cost analysis process by establishing and enforcing policies and procedures; -Providing trends and forecasts; explaining processes and techniques; recommending actions , improving financial status by analyzing results :- orders, sales, backlog analysis and reports - sales by product/customer reports - inventory reconciliation and analysis-Manage cash and investments to maximize income and minimize costs in line with Bank Treasury policy-Initiate and develop new financial products to grow treasury income. - Propose ways of optimizing cash usage in the Bank- Analyze Bank fees and adopt controls to minimize cash losses through Bank charges- Cultivate and maintain working relationships with banks by reviewing and recommending best practices for the management of the Bank’s policies on liquidity, develop strategies for income management, currency management practices and loan pricing. Show less

• 

  E.ON

  Mar 2020 - now

  Banking and Payments Specialist

  Banking and Payments Specialist – International Team (SW) Processing of manual, automatic payments, and checks- Posting account statements- Preparation of liquidity reports- Support in banking administration activities- Execution of period closing activities - Execution of process-related checks and compliance with internal controls- Ensures KPI and SLA compliance carrying out reporting activities- Updating working procedures, monitoring, and reporting deviations from standard processes and the standard set of controls- Maintains excellent collaboration with all partners (BSC clients, accounting and treasury business partners, external partners, banks, etc.)- Contributes to new ideas and to the improvement of the process Banking and payments operations.- Bank clearing accounts to have a zero balance at the end of the accounting period-Manual payments without errors- Error-free daily and 60-day liquidity reports- Review and recommend best practices for manual postings and payments and report to TL for improvement, develop strategies for income management.-Making sure that all activities are performed in compliance with audit standards and provide proof to auditors. Show less