Ivana Lonjak Dam

Responsible for: Collateral management in CEE Subsidiaries; Providing support and advices to CEE Subsidiaries regarding corporate credit processes and procedures and other credit risk relevant matters; Providing input for credit risk related projects (e.g. AQR purposes a leader of one of the work streams i.e. Collateral and Real Estate Valuation); Training junior team members.

Developed, maintained, coordinated approval and communicated the credit risk related policies (corporate rating process and credit risk mitigation topics). Participated in IRB Project as a business expert. Point of contact for internal and external stakeholders (e.g. Croatian and Austrian central bank, external auditors and vendors). Coordinated the work of other team members.

Assisted in structuring transactions and advising the Business. Assessed the clients’ credit quality including appraisal of management of significant industry events which have a major negative impact on credit standing of the borrower. Proposed credit risk mitigating measures. Assessed and optimized research & analysis methods.

Provided commercial support to Relationship Managers in their management of corporate clients. Gathered and analysed financial and industry information, prepared loan application, recommended appropriate loan structures, monitored covenant compliance and performed loan reviews. Monitored existing loans to ensure complete compliance with terms of approval.

Presented and sold company’s products to current and potential clients. Developed and implemented special sales activities. Coordinated shipping schedules and delivering merchandise and services. Participated in marketing events such as trade shows.

University Degree in Economics