Liubov Juhasz

• Implemented analysis of more than five billion USD debt portfolio in credit banking with focus on agricultural sphere • Explored companies, markets, deals and composed reports with recommendations about credit decisions • Reduced non-performing debts portfolio of bank on five percent • Raised level of proficiency of employees by training and testing processes in seventy regional branches • Managed team of five analysts

• Conducted credit deals of regional offices across Russia and developed best terms for clients and bank, clients’ value 15 million USD • Devised credit regulations for middle business structures in thirty regional branches • Collaborated with other bank’s departments for developing credit regulations and minimizing credit risk exposure • Planned and coordinated launching middle business structures in thirty regional branches

o Launched credit division of bank’s branch in Saratov region from scratch o Supervised team of four analysts to structure credit projects and minimize credit risks o Assessed credit needs, chose credit terms, executed credit regional projects, and carry out the post-loan management o Led negotiations with clients for performing credit deals and supporting loan documentation and transaction processes