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Stefan Kotokov, Manager Director of Financial center with personal banking center

Stefan Kotokov

Manager Director of Financial center with personal banking center·Postbank

Bulgaria

Master's degree, Master in Business Economy

Work experience

Total years of experience: 19 years, 6 months

Manager Director of Financial center with personal banking center

February 2017 - Present

Postbank

Bulgaria

February 2017 - Present

Company industry:
Banking
Job role:
Banking

Senior Expert/Team leader in Mid.Corporate dep.

March 2016 - January 2017

Postbank Bulgaria

Bulgaria

March 2016 - January 2017

Company industry:
Banking
Job role:
Finance and Investment

Regional coordinator SME (Corporate Business Center West)

July 2014 - March 2016

Alpha Bank-Bulgaria branch

Bulgaria

July 2014 - March 2016

Company industry:
Banking
Job role:
Accounting and Auditing

Senior Expert-Corporate Projects

December 2012 - July 2013

Bulgarian - American Credit Bank Plc

Bulgaria

December 2012 - July 2013

Maintain and development of the existing corporate portfolio of the bank in the newly established department “Corporate clients department”
 Day-to-monitoring of the existing credit portfolio including 12 corporate enterprises with total credit exposure of 43 mil. euro.
 Quarterly review of financial statement, analyse of current financial; performance, forecast financial and market data, restructure disbursed loans considering the quarter analysis and else.
 Development of a new credit portfolio. Acquisition of new potential corporate clients and investment projects. Operating within the sectors Green and renewable energy, Agriculture (incl. projects financed through the European operative programs approved from the National Ministry of agriculture and Food, focus on programs- 121 "Modernization of agricultural holdings", 123 "Adding value to agricultural and forestry products" ), commerce trade, manufacturing. Prepare credit offers for new clients by understanding their financial need and expectations in terms of bank financing.
 Prepare credit applications for new loans incl. in depth financial analysis of the current and historical performance, market analysis and product positioning, collateral analysis, forecasts, financial engineering and more.
Reached goals for 7 months in BACB
 Restructuring of three of the main corporate exposures concentrated in the energy sector (250 mil. euro syndicated loan for “National Electric Company”), renewable energy sector (restructuring of an existing loan for electric panels park with capacity of 5 MW), coal production (due diligence for loan repayment at the acquisition of the 4th largest. producer of sand in. Europe)
Proposed and approved new corporate loans for the amount of 7.5 mil.euro Incl. two investment projects approved from the Ministry of agriculture and Food and one credit line for a leading Bulgarian REIT company.

Company industry:
Banking
Job role:
Accounting and Auditing

Manager Business Clients

June 2012 - December 2012

UniCredit Bulbank Plc

Bulgaria

June 2012 - December 2012

Main role in the development of the existing corporate portfolio of the bank within the biggest Business centre of UniCredit Bulbank in Bulgaria.
 Day-to-monitoring of the existing credit portfolio including 130 SME’s and subordinates of corporate holdings.
 Quarterly review of financial statement, analyse of current financial; performance, forecast financial and market data, restructure disbursed loans considering the quarter analysis and else.
 Development of a new credit portfolio. Acquisition of new potential corporate clients for investment and working capital loans. Operating within the sectors domestic and international trade, food and beverage production, marketing and PR, Agriculture (incl. projects financed through the European operative programs approved from the National Ministry of agriculture and Food, programs- 312 "Support for the creation and development of micro enterprises"), commerce trade, manufacturing.
 Prepare credit offers for new clients by understanding their financial need and expectations in terms of bank financing.
 Prepare credit applications for new loans incl. in depth financial analysis of the current and historical performance, market analysis and product positioning, collateral analysis, forecasts, financial engineering and more.

Company industry:
Banking
Job role:
Accounting and Auditing

Relationship manager - Key corporate clients

January 2012 - June 2012

UniCredit Bulbank Plc

Bulgaria

January 2012 - June 2012

Maintainance and development of the existing corporate portfolio of the bank with key corporate companies with annual revenue above 40 mil.euro.
 Day-to-monitoring of the existing credit portfolio including 6 holding structures and 98 subordinates with total credit exposure of 29mil. euro.
 Quarterly review of financial statement, analyse of current financial; performance, forecast financial and market data, restructure disbursed loans considering the quarter analysis and else.
 Development of a new credit portfolio. Acquisition of new potential corporate clients for investment and working capital loans. Operating within exclusive representatives within the sectors of domestic and international trade, trade of food and beverage production, international car dealers, trade with computers and software, pharmaceuticals manufacturing.
 Prepare credit offers for new clients by understanding their financial need and expectations in terms of bank financing. Prepare credit applications for new loans incl. in depth financial analysis of the current and historical performance, market analysis and product positioning, collateral analysis, forecasts, financial engineering and more

Company industry:
Banking
Job role:
Accounting and Auditing

Relationship Manager - SME Clients

July 2010 - January 2012

UniCredit Bulbank Plc

Bulgaria

July 2010 - January 2012

Name and address of employer UniCredit Bulbank Plc. Sofia, Bulgaria, Regional Branch network
Dates July 2010 - January 2012
Position held Relationship Manager - SME Clients

Name and address of employer

Dates

Company industry:
Banking
Job role:
Accounting and Auditing

Relationship Manager - Affluent Clients

January 2009 - July 2010

UniCredit Bulbank Plc

Bulgaria

January 2009 - July 2010

UniCredit Bulbank Plc.
Sofia, Bulgaria, Regional Branch network

January 2009- July 2010
Position held Relationship Manager - Affluent Clients

Company industry:
Banking
Job role:
Accounting and Auditing

Sales specialist

January 2008 - January 2009

UniCredit Bulbank Plc

Bulgaria

January 2008 - January 2009

Name and address of employer UniCredit Bulbank Plc. Sofia, Bulgaria, Regional Branch network
Dates Jan 2008 - Jan 2009
Position held Sales specialist

Company industry:
Banking
Job role:
Accounting and Auditing

Clients service specialist

April 2007 - January 2008

UniCredit Bulbank Plc

Bulgaria

April 2007 - January 2008

Name and address of employer UniCredit Bulbank Plc. Sofia, Bulgaria, Regional Branch network
Dates April 2007 - Jan 2008
Position held Clients service specialist

Company industry:
Banking
Job role:
Accounting and Auditing

Cashier

January 2006 - April 2007

HVB Bank Biochim Plc

Bulgaria

January 2006 - April 2007

Name and address of employer HVB Bank Biochim Plc. Sofia, Bulgaria, Regional Branch network
Dates Jan 2006 - April 2007
Position held Cashier

Company industry:
Banking
Job role:
Accounting and Auditing

Education

University of national and world economy

June 2014

June 2014

Master's degree, Master in Business Economy

Bulgaria

Dates September 2012 - June 2014 Title of qualification awarded Master in Business Economy University of national and world economy Sofia, Bulgaria

American university in Bulgaria

May 2012

May 2012

Master's degree, EMBA

Bulgaria

The Executive MBA program of the American University in Bulgaria is a sixteen-month, four-term master’s degree program designed to expand the capabilities and perspectives of already successful managers and prepare them for executive positions in their organizations.Each class includes experienced managers and entrepreneurs from the region who have demonstrated unusual talent. Sharing the skills they have already acquired and building on their previous experience, participants in the program develop the knowledge, skills and analytical tools to position them at higher levels of responsibilities. Participants study the full range of materials contained in a top-ranked US MBA program. They gain knowledge of the core functional areas of business, as well as perspective on how to solve problems and manage complex relationships. Moreover, because they interact with an international group of colleagues, Executive MBA students are exposed to a wealth of inspired ideas and innovative approaches to each topic studied. Course Schedule: Term 1 (January – April) Business and Society (3 credits) Business Communications (3 credits) Managerial Economics (3 credits) Financial Accounting (3 credits) European Business Environment (1 credit international trip) Term 2 (May – August) Decision Sciences (3 credits) Managerial Accounting (3 credits) Marketing Management (3 credits) Organizational Design and Management (3 credits) Term 3 (September – December) Corporate Finance (3 credits) Organizational Behavior (3 credits) Operations Management (3 credits) International Business (3 credits) Term 4 (January – April) Business Law (3 credits) Strategic Management (3 credits) Human Resources Management (3 credits) Managing Info Technology (3 credits) In addition to the classroom experience, business leaders, diplomats and government officials are regular speakers and share their views on such timely topics as Leadership, Globalization, Change Management, Corporate Governance, and EU Integration.

University of National and World economy

January 2010

January 2010

Bachelor's degree, Finance

Bulgaria

The University of National and World Economy (UNWE) is established in 1920. It is the oldest, the most prestigious and the largest economic university in Southeastern Europe, a leader in Bulgarian and European higher education. UNWE is at the first place in the rankings of Bulgarian and foreign universities with economic specialities. In 2011 it took the 1st place in Bulgaria, 13th place in Europe and 31st place in the world in the global ranking of the world business higher schools worked out by the Supreme Consortium consisting of 126 Research Centers and Institutes to the Ministry of Education of Spain.

High School of Insurance and Finance

September 2007

September 2007

High school or equivalent, Finance

Bulgaria

Dates September 2004 - September 2007

Skills

Bank Relationship Management
Expert
Bank Relationship Management
Expert
Customer Service
Expert
Customer Service
Expert
Financial Risk
Expert
Financial Risk
Expert
Corporate Finance
Expert
Corporate Finance
Expert
ACCOUNTING
Expert
ACCOUNTING
Expert
CASHIER
Intermediate
CASHIER
Intermediate
CLIENTS
Expert
CLIENTS
Expert
CONFLICT MANAGEMENT
Intermediate
CONFLICT MANAGEMENT
Intermediate
CORPORATE FINANCE
Expert
CORPORATE FINANCE
Expert
CREDIT
Expert
CREDIT
Expert
FINANCE
Expert
FINANCE
Expert
FINANCIAL ACCOUNTING
Expert
FINANCIAL ACCOUNTING
Expert
SALES
Expert
SALES
Expert
SALES SPECIALIST
Expert
SALES SPECIALIST
Expert
Relationship management
Expert
Relationship management
Expert
MBA Finance
Expert
MBA Finance
Expert
Corporate Finance
Expert
Corporate Finance
Expert
Financial Risk
Expert
Financial Risk
Expert
Customer Service
Expert
Customer Service
Expert
Bank Relationship Management
Expert
Bank Relationship Management
Expert
MBA Finance
Expert
MBA Finance
Expert

Languages

Bulgarian
Expert
English
Expert
Russian
Intermediate