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Loan Analyst

DETAILS

ADDRESS

Chişinău
Moldova, Republic of

PHONE

EMAIL

DATE OF BIRTH

03.05.2000

DRIVING LICENSE

Yes

NATIONALITY

Romanian

PROFILE

Valuation and collateral management specialist with expertise in real estate and movable asset assessments.
Proven ability to conduct on-site inspections and review appraisal reports for accurate market valuations.
Skilled in identifying overvalued assets and supporting risk-controlled lending decisions.
Experienced in monitoring and managing collateral portfolios to ensure compliance and protect financial performance.

EMPLOYMENT HISTORY

Operations Manager, Fermented Fruits SRL

Chisinau, Republic of Moldova
Mar 2019 – Feb 2021

• Managed day-to-day company operations
• Handled procurement of raw materials and sourced new suppliers
• Developed business growth and marketing strategies
• Managed sales and coordinated product delivery to clients

Collateral Valuation Specialist, OTP Bank

Chisinau, Republic of Moldova
May 2021 – Nov 2023

• Reviewed and approved valuation reports from licensed appraisal companies for real estate and movable assets used as loan collateral
• Conducted internal valuations and prepared appraisal reports for movable assets offered as collateral
• Identified and corrected overvalued real estate, proposing accurate market values
• Performed on-site inspections of pledged assets to verify condition and value
• Coordinated and monitored the bank's collateral portfolio, ensuring compliance with internal policies and risk standards

Collateral & Asset Valuation Specialist, MAIB

Chisinau, Republic of Moldova
Nov 2023 – Present

• Reviewed, analyzed, and approved valuation reports from licensed appraisal companies for real estate and movable assets used as loan collateral
• Conducted independent valuations of movable assets, preparing detailed appraisal reports that informed lending decisions
• Identified overvalued real estate assets and proposed accurate market values, reducing potential credit risk by ensuring fair valuations
• Performed on-site inspections of pledged assets, verifying condition, marketability, and alignment with reported values
• Coordinated and monitored the bank's collateral portfolio (~2,5 Billion $), tracking asset performance and ensuring compliance with internal policies and regulatory standards
• Contributed to process improvements in collateral monitoring, enhancing portfolio oversight efficiency by 18%

SKILLS

• Real estate valuation
• Collateral assessment
• Fiancial reporting
• Loan analysis
• Risk assessment
• Portfolio management
• AI tools for analysis (GPT, Grok, Gemeni, etc)
• Cash flow analysis
• Microsoft Excell
• Data analysis/Reporting
• Banking Software (B2, Creatio, JIRA)
• Atention to detail
• Analytical thinking
• Time management
• Team collaboration
• Communication
• Decision-making

LANGUAGES

• Romanian
• English
• French
• Russian

EDUCATION

Baccalaureate Diploma, "Iulia Hasdeu" Theoretical High School

Chisinau, Republic of Moldova
Sept 2006 – May 2018

• Strong results at mathematics olympiads

Bachelor's Degree in Architecture, Real Estate Valuation and Development

Technical University of Moldova
Chisinau, Republic of Moldova
Sept 2018 – Jun 2022

Master's Degree in Real Estate Valuation and Development

Technical University of Moldova
Chisinau, Republic of Moldova
Sept 2022 – Jun 2024

Master's Degree in Real Estate Valuation and Development

"Gherghe Asachi" Technical University of Iași
Iași, România
Sept 2022 – Jul 2024