George Constantinescu

Experience

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  SSIF IEBA TRUST

  Jan 2006 - Jan 2007

  Internship
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  Ziarul BURSA

  Jul 2006 - Aug 2006

  Junior Analyst
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  BRD - Groupe Societe Generale

  Aug 2007 - Apr 2024

  Coordination of several teams (36 people in total) within areas such as :- middle office for top corporates (complex/tailor made products & services)- structured finance middle office (syndicated loan, club deals, real estate, delocalised loans + escrow agreements)- credit administration in bank's core system - credit & monitoring analysis for SMEs Fostering some new / ambitious projects meant to improve the corporate lending, contributing to internal framework redesign, shaping dialogue between business centers and HQ, providing financial reporting & data analysis, all part of the change management and transformation process for BRD's SME team Lead a team of aprox 15 front and middle officers in providing best service for an active portfolio of ~1.000 mid corporates (from unfolding daily banking operations to implementing complex / tailor made credit structures) - Administrate and develop a loan portfolio of approx. 15 credit files, 80 M EUR in total (prospecting, deal structuring and negotiation of offers & credit contracts, drafting credit applications)- Manage daily operations, with the support of a middle officer and back office support teams for +200 clients (turnover between 1 – 200 M EUR); - Coordinate a team of 5-6 analysts, ensure in-house training for new entry level;- Ensure the proper unfolding of credit analysis and monitoring process for a portfolio of +400 MEUR, about 100 loans;- Active contribution to several internal processes for optimization of legal framework - Input, adjust & analyze balance sheet, P&L, cash-flows, perform scenario & stress tests, propose credit ratings for large corporate clients mainly from construction and transportation sectors;- Draft credit and collateral contracts;

  • Credit Director, Large Corporate Business Center

    Dec 2020 - Apr 2024

  • Supervisor of SME lending and monitoring activity

    Oct 2018 - Dec 2020

  • Head of corporate sales, Major Corporate Branch

    Oct 2014 - Sept 2018

  • Corporate Relationship Manager, Major Corporate Branch

    Sept 2011 - Sept 2014

  • Head of credit analysis department, Major Corporate Branch

    Nov 2009 - Sept 2011

  • Corporate Credit Analyst, Major Corporate Branch

    Aug 2007 - Oct 2009
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  Self-employed

  May 2024 - Feb 2025

  Trader
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  SIMTEL

  Feb 2025 - now

  Corporate Finance & Treasury Manager

  Acting as a finance specialist in all major group's projects such as existing and new energy investments, business expansion plans and current activity (management of both daily treasury and working capital needs). Keeping a close contact with all financial partners and other stakeholders.