Jelena Zilic Maravic

Chairman of the Credit Committee in the Branch Managing and supervising the credit portfolio outstanding Lead and support the branch in achieving its client retention, acquisition and growth goals. Analyse potential loan markets and develop referral networks Building the bank’s presence in the community Keeping branch credit exposure within set risk limits Negotiate payment programs with delinquent clients Responsibility for staffing of the branch

Organizing and coordinating of the credit staff in the branch in order to fulfil business plan Active member of the Credit committee Provide for ongoing training of the credit staff Managing and supervising credit staff in initiating contact with customers that have delinquent accounts Ensure each step of the credit process is in compliance with all bank and regulatory guidelines, policies, procedures and methodology

Identification of suitable credit client and active search for new potential clients Assessing, analysing and interpreting financial information as well as undertaking risk analysis Evaluating the creditworthiness of applicants for loans and other types of credit Credit resume preparation and representing in front of the credit committee Monitoring the clients during the life time of the loan Contact clients regarding overdue accounts and determine reasons for non-payment

General economic and business environment, Communication, Decision making, Business ethic and corporate values, Staff management, Conflict management, Risk management, Financial analysis, Leadership