Tigran Mkhitaryan

• Responsible for Energy sphere business portfolio of the Bank (approximately USD 300,000,000) • Direct supervision of financial consultants for increase and maintain the stability of sphere Business Portfolio • Supervise project financing for building new Small Hydro Power Stations (SHPS) • Develop and create individually based loan structures for each case depended of volumes of the project and future cash inflows to the company

• Responsible for Business portfolio of the Bank which is distributed in Industry, Construction and Agriculture spheres • Directly supervise financial consultants for increase and maintain the stability of Business Portfolio • Responsible for increase of portfolio due to acquisition of corporate clients through the whole Armenia • Develop and create new individual products for key corporate clients • Supervise the process of product development for all corporate clients

• Responsible for Medium business of the Bank • Responsible for Small business of the Bank • Responsible for Very Small business of the Bank • Responsible for Documentary business of the Bank • Responsible for implementation of new projects for business development of the bank • Responsible for trainings of business staff

• Organize and coordinate current working activities of the branch in the scope of authorities • Supervise implementation of daily working responsibilities of branch employees and submit suggestions on promotion of employees or application of disciplinary actions towards them • Supervise activities connected with dealing with problem loan clients • Organize regular arrears committees and follow up on decisions

• Assesses credit risks, including by analysis of the financial data for loans 150,000 USD and more • Communicate and cooperates with respective Client Relationship Manager • Prepares resume on results of the performed analysis, presents respective opinion on loan application to the head office and holding credit committee • Contributes to the development of the clients’ business by providing advise on more effective usage of loan

• Assesses credit risks resulting in evaluation of the client’s ability to manage its financial risks and repay the debt • Works with credit exposures that are placed under intensified management • Performs checks required by the Anti-Money Laundry Policy of the bank • Prepares set of analytical financial statements • Verifies the reliability and accuracy of the information contained in client’s internal financial statements

• Analyzes the financial condition of corporate clients and their market position, as well as prepares proposals for establishing credit limits for corporate clients • Develop the structure of the transaction associated with the adoption of credit risk on the corporate client, involving, if necessary other departments of the Bank • Delivers a credit transaction on the Bank's Credit Committee • Advises client managers on all matters regarding the structuring of transactions

• Train deputy of branch manager methodologies of loaning and monitoring/reporting formats in order to ensure the sustained use of current procedures • Provide leadership to reach departmental targets, motivating and encouraging loan officers to achieve goals. • Developed and documented loan requests and risk ratings under established credit policy guidelines • Managed delinquencies to an acceptable level; ensuring that risk ratings and extensions are evaluated on a timely basis

• Implement proactive searching and attraction of potential clients • Study and analyze clients' needs and demands • Organize and conduct presentations, contracts signing, sales paperwork processing • Provide proposals to Credit Committee • Perform regular monitoring of credit portfolio

Topic of Master Thesis : "The provision of financial stability within monetary policy" GPA A- (89.55)

Topic of Bachelor Diploma: "Factors estimating the financial state of commercial banks" GPA A (90.32)