Oleksandr Shcherbinin

- working closely with Business\Relationship managers to deliver well structured corporate credit projects, balanced between Customer needs and Bank risk appetite; - preparing financial analysis of the borrower\Group of companies, market overview, cash-flow\financial model for the Credit application; - based on a financial analysis findings, collateral and project structure – providing risk assessment and risk mitigates for the project in order to reduce Bank risks;

- analysing and verifying multi-purpose credit projects\applications of Corporate Customers together with verification and stress-testing of financial models, cash-flows and assumptions for investment projects; - providing risk assessments on new and existing credit files (annual reviews); - follow-up control of the current Projects – quarterly investigation on the possible reasons of deterioration of Client’s performance, breach of the covenants, Projects conditions, etc.

- providing qualitative services for the portfolio of ca. 100 active files in terms of daily business operations, requests, communications with Back-office; - holding meetings with clients on new products/services/credit projects; - drawing-up indicative offers for financing of customers with further credit project preparation; - cash-flow modeling for investment projects, proper deals/collateral structuring with Risk team; - considering credit projects with Risk Management and Credit Committee;

Holding various positions in retail banking business, from intern in the off-balance branch up to Head of one of the retail branches of UniCredit in Kherson and Kyiv.