NLB Tutunska Bank
Presentation and sales of credit & debit cards Maestro Card, MasterCard, VISA through the
employee’s of the public administration. I was representative agent from one of the biggest
Banks in my country, NLB Tutunska Bank. In my record as credit agent I have organized,
participated and conducted several promotions and sales presentation through the working
unions Ministry of Foreign Affairs, Pension Fund, and Ministry of Education in Macedonia.
June – June
Credit Analyst in Corporate Department
Sales and promotion of corporate loans to small and medium enterprises, as well as processing
and assessment of client’s requests for different credit facilities. Elaboration of the financial
capability of each applicant as well as evaluation of the financial feasibility of the business plan
project submitted by the requestor.
One of my responsibilities is giving conclusion to the credit committee and to the manager of the
credit division weather the loan request should be approved or refused. Completing a credit file
for each request according to instructions for managing credit files. Evaluation of the financial
liability of the company and related parties in the National Credit Register, as
well as summarizing and overview of the debt towards other parties. Computing the average
financial status of the company for the last two years from the day of applying. These analysis
involves overview of the company fixed and convertible assets, liabilities short term and long
term, receivables, incomes and outlays for the last two years
from the day of applying. Calculating the expected cashflows. Assessment of the cooperation
with the Bank, including the amount of incoming & outgoing payments domestic & foreign,
income from interest, commission and other related fees. Monitoring the status of each credit
facility and performing debt collection if necessary.
Short summary of tasks and assignments of the credit analyst:
.Sales, negotiations and promotions of banking products to potential customers small, medium
and big enterprises
.Receiving requests of the company for Loans, Letter of Guarantee, Letter of Credit
.Checking the completeness of documents necessary for the application
.Registration of the received request into the register
.Preparing of site visit report
.Entering the financial indicators, total credit exposure, delayed payments, blocked accounts,
data from the credit register, related parties which are shareholders. The credit analyst is
checking the input information, describes the project, prepares the foreign exchange risk
analysis, and in accordance with the evaluator makes assumptions whether the collateral is
. Cost benefit analysis of the project and preparing credit request form.
. Accounting preparation and financial
analysis for the last two accounting periods.
. Preparing and explaining the terms and conditions for every loan applicant.