Опис
I am a meticulous Credit Risk Analyst with 5 years of experience evaluating the financial health of corporate borrowers and structuring debt facilities. My career has been dedicated to protecting institutional capital while enabling sustainable business growth through rigorous financial analysis and proactive risk mitigation.
Chronology of Underwriting & Risk Management:
2019 – Present: Credit Underwriter at a prominent Dutch commercial bank in Amsterdam. I manage a diverse portfolio of mid-cap corporate loans (€5M - €50M). I analyze consolidated IFRS financial statements, assess liquidity ratios, and evaluate collateral packages (commercial real estate, inventory, receivables). I successfully restructured a €12M distressed facility in 2022, minimizing the bank's NPL exposure.
2016 – 2019: Junior Credit Analyst at a regional lending institution. Focused on SME lending, conducting site visits, and verifying cash flow projections against historical tax returns.
Risk Assessment & Banking Systems:
- Credit Analysis: Probability of Default (PD), Loss Given Default (LGD), debt service coverage ratio (DSCR), covenant structuring.
- Banking Platforms: Moody's Analytics, FICO Blaze, SAP Credit Management, internal ABS (Automated Banking Systems).
- Regulatory Frameworks: Basel III/IV capital requirements, EBA guidelines on loan origination and monitoring.
I possess a Master’s degree in Financial Economics from the University of Amsterdam. I am highly analytical, principled in my risk assessments, and capable of defending complex credit memos before the executive credit committee. I am seeking a full-time, hybrid role in the Amsterdam area.