Experience

• 

  Eurobank

  Feb 2006 - Oct 2007

  Customer service

  Servicing a variety of customers with deposit or investment accounts and loans.

• 

  Alpha bank

  Nov 2007 - Oct 2009

  Commercial loan officer

  Main responsibilities:• Analysis of debtors’ financial data through credit assessment, and submission of proposals to Bank’s competent Credit Committees for credit limits’ approval or renewal.• Management of loans either performing or in arrears.

• 

  Alpha bank

  Dec 2009 - now

  • Evaluate credit requests from the Bank and Group Companies received from domestic and International Wholesale Banking. • Track and evaluate credit requests received from the business areas until their completion in the credit evaluation cycle. • Conduct analysis and confirm the credit risk ratings performed by the relevant business areas for the borrowers under their responsibility, including credit requests that exceed approval limits of the Wholesale Banking Credit Committees of the foreign countries’ subsidiaries. • Assess the cash flows of prospective borrowers to determine their ability to repay. • Draft credit recommendations for submission to the Credit Committees by issuing independent credit opinions. • Monitor and assess new and existing collateral in relation to credit risk rating of the creditor to ensure quality of the credit portfolio under their responsibility. • Prepare reports in cooperation with other business areas of the Bank for the Supervisory Authorities, the Executive Committee, the Board of Directors, and other relevant bodies (BRC, RMC, etc.). • Cooperate with Credit Risk Policies Control, Market Risk Control, Non-Financial Risks Control, and other Risk and Audit business areas, as required: - for formulation or modification of the credit management rules and procedures.- for modifying the collateral assessment rules. - for developing and improving the rating and collateral management system. • Assess early warning signals, forbearance measures, and debt service capacity. • Monitor credit limit expiry dates and liaise with business areas for the prompt annual review of credit exposures. Show less • Assess wholesale credit requests (credit analysis, evaluation of investment plans for SMEs, Hospitality, Corporate, Shipping, Project Financing, Public Sector Enterprises and Private Banking credit requests).• Maintain and update the Wholesale Banking Loan Portfolio approval database.• Monitor the creditors’ risk ratings and limits in the Bank’s systems and ensure their timely and accurate revision.• Control possible overdue debts concerning Wholesale Banking portfolios on a weekly basis.• Draft periodic essays and reports with regard to the above-mentioned areas both for internal purposes and for submission to the Supervisory Authorities.• Prepare presentations to the Risk Management Committee (RMC) and to the Executive Committee (ExCo) with regard to the evaluation of the credit risk concentration (Concentration Risk).• Cooperate with other Risk and Business Units, providing data and input regarding the development and updating of credit regulations and procedures. Show less Key responsibilities: • Perform operational, credit and compliance audits in accordance with the internal audit program.• Review bank practices and records for compliance with established policies and procedures.• Assessment of the credit procedures (credit assessment, operations, relationship management and monitoring) for the Wholesale Banking portfolio, according to the Rules and Regulations of the Bank and the Wholesale Banking Credit Policies. • Report audit findings and recommendations to appropriate Audit management, based on the results of regularly scheduled audits.• Conduct follow - up reviews on deficiencies noted during audits. Show less

  • Senior Credit Approval Specialist

    Jul 2023 - now

  • Credit Officer

    Mar 2023 - Jun 2023

  • Internal Auditor

    Dec 2009 - Feb 2023