Abdulrahman Adigozalov

Experience

• 

  NIKOIL | Bank

  Feb 2008 - Dec 2010

  • Coordinated control, support, supply and participation in the organization of the credit process• Established a relationship with International Credit Organisation (EBRD)• Reported to bank’s top management and to international credit stakeholder • Analyzed loan applications, credit history and a judgment recommendation on the application to the loan review committee• Carried assessment of the client's solvency• Executed fraud prevention• Tracked and monitored documents for correctness of the data• Carried verification of the value of collateral• Was in charge of database management• Carried out decision-making on the applications• Improved the quality of the loan portfolio • Determined consumers’ needs and offered the appropriate loan product• Established sustained relationships with clients increasing client population• Supported portfolio analysis and sales forecasting by preparing diverse reports• Determined solvency and creditworthiness of the clients• Prepared loan agreements and collateral agreements• Monitored issuance all type of loans• Provided top-level customer service • Conducted active sales through attraction of new clients• Advised clients on loan products and services• Carried out the analysis of the financial condition and credit history of clients• Carried out advocacy for loan proposals at the credit committee• Executed the lending for individuals and legal entities from A to Z• Cross-selling banking products• Maintained control over the repayment of loans issued

  • Leading Specialist of the EBRD Loan Group

    Aug 2010 - Dec 2010

  • Senior Specialist / Underwriting Division

    Nov 2009 - Aug 2010

  • Senior Loan Officer

    May 2009 - Nov 2009

  • Loan Officer

    Feb 2008 - May 2009
• 

  Bank "BTB"​ OJSC

  Dec 2010 - Dec 2023

  • Executing the largest branch with the highest revenue share in the network • Built and managed team of 20+ result-oriented and customer-oriented employees• Ensured compliance with banking legislation, rules and regulations & procedures• Contributed into analysis of the annual fiscal policy and macro-economic situation and forecasting sales policy of bank products• Analyzed the branch’s financial and operational performance, produced the annual budget and monitored expenditures• Built and monitored top level customer service and ensured continuous service optimization• Was in charge of the cash work: ensuring the safety of cash and valuables• Safeguarding brand reputation via settlement of conflict situations, coordination of responses to appeals and complaints• Excelled in C-suite level networking for attracting government, private and corporate clients and businesses• Increased loan portfolio by 60 percent and deposit portfolio by 20 percent• Increased sales of cards, thereby increasing turnover on cards• Dealt with overdue debts, reducing the amount of overdue loans via conducting executive consulting on debt restructuring and on legal measures available• Provided annual increase of the branch income by 65 percent Show less • Provided leadership and management decisions in the absence of branch manager• Supported the daily sales efforts of loan officers• Controlled the accuracy of paperwork in transactions for the issuance and restructuring of loans• Led and executed the data driven business capacity building and business optimization including Org structure (headcount), KPI and bonus programmes• Established sustained relationships with clients that increased client population• Nurtured up do date client communication to maintain referral sources for the brand• Analyzed the branch’s financial and operational performance • Conducted financial data collection and data management (balance sheet, PL, cash flow)• Issuance of all type of loans and letter of credits • Tracking and optimization of overdue debts Show less • Conducted live screening of loan applicants for assessment purposes• Led the acceptance and processing of mortgage applications and analysis of the borrowers’ credit worthiness• Led tracking and consulting on document collection for mortgage loan• Advocated applications at the Сredit Committee of the Bank• Accommodated and advanced the Electronic Mortgage Lending System• Сoncluded insurance policies• Refinanced mortgage loans• Ensured the execution of all mandatory state registration actions• Monitored of collateral after the issuance of a mortgage loan• Responsible for the quality and volume of the mortgage loan portfolio of the branch• Initiated and finalized training of front-end and backend mortgage lending employees • Established and maintained relationship with the State Mortgage Fund• Designed and executed internal procedures of the bank for issuing mortgage loans Show less

  • Director of "Senaye" Branch

    Aug 2020 - Dec 2023

  • Acting Branch Director

    Nov 2019 - Aug 2020

  • Deputy Director of Branch

    Jan 2013 - Aug 2020

  • Head of Mortgage Lending Division

    Sept 2012 - Jan 2016

  • Head of Loan Unit

    Jul 2012 - Jan 2013

  • Chief Loan Officer

    Dec 2010 - Jul 2012
• 

  Bank VTB (Azerbaijan)

  Dec 2023 - now

  Branch Director