Enache Manuela

Senior Risk Analyst at VOLKSBANK ROMANIA SA, BUCURESTI
Experience
  • Senior Risk Analyst at VOLKSBANK ROMANIA SA, BUCURESTI
    FinanceFinancial / Accounting, Banks / Financial Institutions, Consulting
    June 2011 - present
    - Assess the proposals/ analysis in correlation with client type on risk based perspective and provide/sustain the risk opinion as part of loan origination process;
    - Perform credit applications risk analysis (identifies and assesses risks) for companies, issue risk opinion about the credit operation analyzed.
    - Assists the departments within the company in the process regarding the identification and mitigation of the significant risks related to their activity
    - Makes proposals to reduce or prevent the identified risks on the level of exposure or credit portfolio administrated by the regional center.
    - Drafting norms and procedures related:credit risk activity;
    - Participates in monitoring credit portfolios and assessing / identifying assets’ problems
    - Responsible for ensuring the deployment of legal and internal regulations/ strategies concerning loan granting process;
    - Provides necessary support to accomplish specific set objectives in relation to internal control activity
    -Involvement in definition and implementation of projects regarding development/modification/ implementation of loan granting process, procedures, application of rating models and IT applications designed in this respect;
    - Ensures portfolio monitoring and regular reporting.
  • Senior credit analyst at OTP BANK ROMANIA SA, BUCURESTI
    FinanceFinancial / Accounting, Banks / Financial Institutions, Consulting
    March 2007 - June 2011
    - I co-operate with IT and Products departments to develop a new soft (document management system), for analyse and approve all the loan applications;
    - Participate at test projects and propose improvements for this soft.
    - Define test cases and scenarios based on use cases and business acceptance criteria
    - Prepare and coordinate business specifications, provide recommendations for new applications or enhancements.
    - Document and analyze required information and data.
    - Evaluate operational risk and impact of software changes, suggest measures to reduce it.
    - Coordinate and assist implementations
    - Propose, test and implement change requests to improve the analyze process.
    - Analyze errors and provide feedback to the project team
    - Also, I took part to another project about reporting server by suggesting the reports regarding the activity of my department.
    - Co-operate with HR department to do a monthly training to all the new branch employees;
    -Verify the completeness and correctness of the documentation in the credit file;
    -Correct data in the electronic application, based on supporting documents in the file, when possible and in accordance with the internal procedures;
    -Analyze the client credit worthiness, making correlations between different available data and documents;
    -Perform the credit controls, according to procedures
    -Verify the collateral acceptance criteria;
    -Approve/reject applications, based on compliance/non-compliance with internal policy and procedures and in accordance with the results of the credit-controls performed;
  • Credit Officer at BRD Finance IFN SA, BUCURESTI
    FinanceBanks / Financial Institutions
    October 2005 - March 2007
Education
  • ACCA, BUCURESTI
    MBA
    2011 - in curs
  • Master - Management and Communications in Business, BUCURESTI
    Master / Postuniversitary degree
    2006 - 2008
  • Academy of Economic Science Bucharest - Marketing, BUCURESTI
    University (graduate)
    2002 - 2006
Skills
Office (word, excel, power point, Microsoft access ), SPSS, windows, APEX, EPM tool, core banking systems (Ab-solute, Mydas, Charisma).
Foreign languages
  • English - Advanced
  • Spanish - Medium
  • French - Medium
Competencies
Training courses
- Projects and procesess management - Ascendis
- Change management - Ascendis
- Lean Six Sigma for Offices and services – Financial services Edition
- Seles training - „Eficienta in vanzari” – BIA
- Communication Training – „Excelleron, Eagle’s Flight”