Vullnet Ibrahimi

Strategy and Policy Development. Communicates with internal and external parties related to policies and standards. Team Leadership, Coaching and Team Development. Credit Approval Processes Risk Assessment, Analysis, Market Standards and Research. Portfolio Monitoring Risk Mitigation Strategies, by conducting several analyses for industries and sectors. Stress Testing and Scenario Analysis Relationship Management, within the bank and also with other banks when syndicated loans are in process.

Providing Training to Credit Analysts. Assess Co-Financed (international) Loan applications and prepare respective opinion / vote. Examining the accuracy of financial and collateral Assess the group borrowers Capacity to repay based on historical data Reviewing the proper estimantion of collateral or guarantee including movable, immovable property and other financial guarantees. Communicate cases above country limit with ProCredit Holding Credit Risk Department.

Coach and Provide training to Credit Risk Team Supervise and coordinate the work of Credit Analysts and support them intensively. Additionally support them to assess applications and to prepare respective opinion. Review financial analysis and assess credit risk for complex credit applications. Participate in Credit Committee Ensure that the credit facilities are granted only to creditworthy clients and in compliance with Credit Risk Management Policy

Providing Training to Credit Analysts. Coaching, supervising and monitoring Credit Analysts assigned to him. Assess Loan applications and prepare respective opinion / vote. Examining the accuracy of financial and collateral Assess the group borrowers Capacity to repay based on historical data presented from Credit Analysts, and on client’s business plan, if relevant and projected cash flows using different scenarios. Current and forecast operating environment of the borrower.

Coach and Provide training to Credit Risk Team Supervise and coordinate the work of Credit Analysts and support them intensively. Additionally support them to assess applications and to prepare respective opinion. Review financial analysis and assess credit risk for complex credit applications. Participate in Credit Committee Ensure that the credit facilities are granted only to creditworthy clients and in compliance with Credit Risk Management Policy

Providing Training to Credit Analysts. Coaching, supervising and monitoring Credit Analysts assigned to him. Assess Loan applications and prepare respective opinion / vote. Examining the accuracy of financial and collateral Assess the group borrowers Capacity to repay based on historical data presented from Credit Analysts, and on client’s business plan, if relevant and projected cash flows using different scenarios. Current and forecast operating environment of the borrower.

Develop and maintain a prudent Credit Portfolio. Constant Credit Portfolio Monitoring. Providing statements on risk arising from the clients business activity, market operation, management ownership and organizational structure of the company as well as on regulatrory and political risks relevant to the company. Analysis of the client’s financial statements and financial ratios historical and projection from credit risk perspective. Complying with responsibilities to prevent money laundering.

Process credit applications in compliances with Raiffeisen Bank Kosovo policies and procedures. Monitoring existing client credit performance Produce new clients Maintain client relationship Productivity of loans, commercials overdraft and trade finance

Analyze of businesses, Identify new potential clients Prepare regular credit reports Maintain and develop new portfolio