Adrian Mihai Muntean

The bank is part of the French international financial group Groupe Societe Generale and third financial institution in Romania.
(https://www.brd.ro/en, http://www.societegenerale.com/en/home)
• Risk assessment of corporate companies’ credit proposals, credit files and cash-flow scenarios review, in-depth business and financial analysis, ensure compliance with internal and national bank’s regulations, evaluate the risks the bank is exposed to.
• Determine if companies are eligible for financing, issue financing decisions, establish covenants for the approved loans.
• Supervise the Transylvania Region lending activity, follow up and liaise with the departments involved in the loan process to insure a quick applications processing.
• Risk management of bank’s corporate portfolio by monitoring clients’ activity, reviewing their financial statements at least every 6 months, rating them for provisions calculation, preparing quarterly watch reports for sensitive clients, proposing finance restructurings or transfers to default if the case.
• Achieved a 98% ratio for applications delivery under the established deadline of 5 days.
• Improved by 20% the response time for financial requests, from 7 to 5 days, thus increasing the number of clients as a result of implementing new medium enterprises simplified risk analysis procedure and by providing financial analysis training for relationship managers.

The bank is part of the French international financial group Groupe Societe Generale and third financial institution in Romania.
(https://www.brd.ro/en, http://www.societegenerale.com/en/home)
• Financial analysis of corporate companies credit proposals, assessment of their financial statements, financial standing and performance indicators, fraud prevention enquires and review their credit history and payment incidents, consolidate financial statements, forecasting cash-flow scenarios, asses loans proposed collateral.
• Meet clients in order to further understand their business and their financing needs, conduct due diligence in order to explain possible gaps and correlate business facts to financial data.
• Issue financing opinion, proposed covenants if the case argued by personal points of view.
• Provide customer service regarding any financial issues and ongoing financial analysis training for the sales staff.
• Implemented the centralization of the financial analysis department in Cluj-Napoca.
•Successful in managing a portfolio of over 100 MEUR covering 9 districts from Transylvania Region of Romania and increasing it by 30% within 2 years.
• Received in 2014 the award for largest corporate financing deal of the year.

The company is the main subsidiary of second financial institution in Romania, namely Banca Transilvania Bank.
(http://www.btleasing.ro/)
• Financial analysis of companies’ vehicles and equipment leasing proposals, assess their financial statements, indicators and purpose of financing, fraud prevention inquiries, forecast multiple scenarios budgets/cash-flows.
• Meet clients, conduct due diligence in order to understand their business and financial needs, assess financed assets market value.
• Evaluate financing risks, determine if companies are eligible for financing, issue financing decision.
• Managed a portfolio of over 100 clients while keeping a default rate of under 2%.
• Succeeded in getting the company through a major economic crisis by implementing new and more thorough analysis procedures, revising asset financing loans that allowed to carefully select new clients and by restructuring clients with financial difficulties.

The bank is part of the Greek financial group EFG Eurobank, the second financial institution in Greece.
(https://www.bancpost.ro/, http://www.efggroup.com/)
• Manage a corporate companies’ portfolio of 30 MEUR, covering 3 districts in the Transylvania Region, doubling it within 1 year thus achieving previously set sales targets.
• Build new business attracting new clients through persistent market research, grow and develop relations with existing clients, liaise between clients and the bank.
• Write the credit proposals and financial analysis for the companies’ requests, assess their activities and financial standing, issue the financing proposal and back it up in front of the Credit Committee.
• Provide customer service and guidance through legal procedures and contract signings.

The bank is second financial institution in Romania, mother company of financial group BT.
(https://www.bancatransilvania.ro/en/)
• Assessment of each bank's branch and its subsidiaries activities with focus on corporate financing, private individuals lending and cash management in terms of compliance with both national bank and internal regulations.
• Issue an independent evaluation in form of an Audit report after each assignment indicating the risks that the bank is exposed to, follow up to see if deficiencies are resolved.
• Quarterly submission of Audit reports conclusions and actions taken to top management.
• Make suggestions to improve existing procedures in order to eliminate risks the bank is exposed to
• Promoted from Junior to Senior Auditor within 2 years, successful in managing my own team.