Valon Aliu

Responsible for monitoring the ProCredit Banks regarding Credit Risk related topics, reviewing the process of bank proposals on individual exposures, and general exceptions from policies. Support the banks to maintain positive development of the high loan portfolio quality while ensuring the efficiency, compliance, staff capacities, in line with the business strategy of the group though different parameters from portfolio assessment.

Responsible to coordinate, supervise the unit of specialist individuals in credit risk, coach Credit Risk Officers and Credit Risk Specialist, deal with risk assessment of SME credit applications, and prepare opinion/vote from the credit risk perspective for those applicants. Additionally, I am responsible to analyze the portfolio quality of the bank issued towards those clients on various parameters and make suggestions for areas of improvement of portfolio quality

Develop and maintain relationships with medium and large business clients. The role requires strategic planning and consultative business, account management, while interfacing with some of the most senior decision-makers of the top performing companies in the country. Furthermore, performing research in both our proprietary and external databases to identify potential clients.

Adjudicate within authorized lending limits on credit facilities are granted only to creditworthy business clients assessed by Credit Risk Analysts. Provide vote on credit applications exceeding authorized lending limits to bank's management and/or supervisory board. Responsible to supervise, monitor and coach SME Credit Analysts. Additionally, lecture to different teams on the course of financial analysis and the credit risk assessment to potential future employees of the ProCredit Group.

Responsible for conducting financial assessment of medium and large business loan applicants to evaluate their creditworthiness. Analysis of client’s financial statements and financial ratios historical and projection from credit risk perspective. The responsibilities included prudential risk assessment arising from the client’s business activity, market of operation, management, ownership and organizational structure of the company as well as on regulatory and political risks relevant to the company.

Master of Leadership in Development Finance a holistic grasp of the importance of the finance in general from Development and Growth, to risk management and change management.

Master equivalent management classes divided into 3 years, in 7 blocks per year, taught over a two-week period per block. Courses were held in Frankfurt region in Germany and divided in the following lectures Humanities, Banking and Finance, Environment and Communication.

The undergraduate programme where the areas of study were Management and Entrepreneurship, Economics and Statistics, Public Policy and Governance, and Multimedia.