Bindila Andrei

Conducted research on preferred equity structures, including their role in capital structures, M&A transactions, and investor return waterfalls. Analyzed Debt Service Coverage Ratio (DSCR) and its application in commercial and corporate lending decisions. Examined how lenders use DSCR to assess borrower repayment capacity, credit risk, and loan affordability. Researched financial-market concepts, lending metrics, and foreign exchange markets through structured training and independent analysis. Produced

·        Completed structured training courses focused on financial markets, foreign exchange (FOREX), and core trading concepts. ·        Received professional coaching on market analysis, currency movements, and the factors influencing exchange rates. ·        Developed an understanding of FOREX market structure, trading terminology, and risk-management principles. ·        Strengthened analytical skills through the review of market trends, economic indicators, and currency-pair performance.

·        Assisted in developing new educational and operational materials for the Upgrade Education team. ·        Participated in calls with the scheduling department and supported coordination activities. ·        Organized company events and contributed to their planning and execution. ·        Provided recommendations on pricing structures and customer-facing wording.

·        Supported Embassy personnel on political, diplomatic, and consular matters relevant to Romanian interests in Bosnia and Herzegovina. ·        Conducted research and gathered information on local political developments to support internal reporting and analysis. ·        Assisted with consular and administrative tasks as required. ·        Attended meetings at the European Union Delegation in Bosnia and Herzegovina and engaged with senior diplomatic and public-sector representatives.