Highlights:Julie is a highly skilled and results-driven Credit specialist professional with 10+ years of experience in credit analysis of customers. Julie has exceptional skills in managing day-to-day operations as per internal credit policy, including diligence review of new customers, monitoring of performance of current customers and review of delinquent accounts.

Skills:Hard working, Solving difficult problems, Willing to learn

Goal:I want to become a professional financial analyst and improve my knowledge. Learn a new field of analysis.

Membership:? Manage transactions from start to finish including borrower ratings, transaction analysis, financial modelling, research analysis, and presentation to credit committee; ? Oversee internal approval process including ensuring accurate and timely completion of credit applications, borrower rating applications, annual and quarterly reviews; ? Perform due diligence review and review of relevant deal documents / information provided by Company / Sponsor; ? Conduct a systematic review of credit portfolios to determine credit and loan performance

Senior Credit Analysis and Portfolio Officer 02/2018 - 11/2023
Bereke bank, Kyzylorda, Kazakhstan
Industry: commercial bank
5 years of work experience.
Manage transactions from start to finish including borrower ratings, transaction analysis, financial modelling, research analysis, and presentation to credit committee; Oversee internal approval process including ensuring accurate and timely completion of credit applications, borrower rating applications, annual and quarterly reviews; Perform due diligence review and review of relevant deal documents / information provided by Company / Sponsor; Conduct a systematic review of credit portfolios to determine credit and loan performance.--
Senior Credit Analyst 10/2015 - 02/2018
Bank CenterCredit, Kyzylorda, Kazakhstan
Industry: Commercial Bank
3-year experience
Manage transactions from start to finish including borrower ratings, transaction analysis, financial modelling, cash flow analysis; Review of relevant deal documents / information provided by Company / Sponsor, and third-party and market research reports; Portfolio monitoring and management of an assigned portfolio of large corporate clients including, covenant monitoring, early action memo on critical events, and periodic borrower reviews; Monitor delinquent or problem loan and credit facilities.--
Credit Analyst 11/2011 - 10/2015
Bank CenterCredit, Kyzylorda, Kazakhstan
Industry: Commercial Bank
4 years of experience
Review credit documentation and evaluate credit facilities applications; Develop credit recommendations; Identify risk and mitigants and articulate them through written word and through incorporating them into the financial model; Coordinate preparation and delivery of reports as requested by management.--
Credit Analyst 10/2010 - 11/2011
Bank CenterCredit, Kyzylorda, Kazakhstan
Industry: Commercial Bank
1 year of experience
Onboard new customers; Diligence review of new customers; Assist Account officers and customers, as requested, in researching questioned account activity.--

Karaganda State University 09/02/2005 - 05/19/2009
Karaganda, , Kazakhstan
Degree: Bachelor's Degree
Major:Finance
I had been studied for four years in the one of the best universities of my country. My GPA 3,82

Login to view resume: Rezume -