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Credit Analyst

Yerevan, Armenia
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Location:

Yerevan, Armenia

Birthday date:

14/05/1986

Experience level:

Education level:

Высшее / Higher

Languages:

About

• Experienced credit analyst and credit risk professional with over 10 years of track record in banking business.
• Strong professional skills in Credit Analysis, Credit Risk Management, Credit Restructuring, and Financial Modeling.
• ACCA member since 2018. Certified data analyst since 2023.

Work experience

– Gazprombank – Corporate Credit Lending, Director – • Acted as responsible business side manager for large-scale digital transformation projects by setting functional requirements, overseeing implementation, and testing new client financial statements database that improved credit analysis efficiency by 20% and new credit rating calculation system that reduced total rating review time requirement by 15%. • Lead credit analyst for Russian oil & gas majors, integrated and downstream producers, as well as exploration, construction, and drilling service providers. • Covered over 30 clients with limits of up to EUR 300 mln. • Carried out supervisory function for branch offices’ deals with limits of up to EUR 10 mln. • Successfully led a team of 4 analysts in sector-wide stress testing of over 100 client financial models meeting tight deadlines set by the Central Bank. • Developed and implemented a new rating review process that ensured timely and smooth bank provisioning. Contributed to the development of a new corporate rating model as a sector analyst. – 2019 – current
– Uralsib Bank – Corporate Credit Risk, Associate Director – • Lead risk analyst for major clients with limits of up to EUR 130 mln (CRE, metals & mining, manufacturing, retail, utilities). • Carried out supervisory risk approval function for subsidiary leasing and factoring companies’ deals of up to EUR 50 mln. • Provided credit analysis training for 3 new employees that improved the quality of risk memos and enabled meeting 100% of the department’s deadlines. – 2018-2019
– Gazprombank – Corporate Credit Risk, Senior Associate – • Lead sector risk analyst for metals & mining and commodity trade. • Covered over 30 MNC and Russian corporate clients with limits of up to EUR 300 mln (metals & mining, commodity trade, oil & gas, utilities). • Carried out supervisory risk approval function for EU-based subsidiary banks (Switzerland, Luxembourg) for deals of up to EUR 100 mln. • Developed risk methodology for structured trade finance deals for EU-based subsidiary banks. – 2016-2018
– Unicredit Bank – Russia – Corporate Credit Restructuring, Senior Associate – • Coordinated and executed corporate credit restructuring for deals of up to EUR 100 mln (transport, manufacturing, retail, HoReCa, CRE). • Carried out supervisory function for a subsidiary distressed assets management company. • Developed methodology for corporate credit restructuring and distressed assets management. – 2015-2016
– Unicredit Bank – Russia – Corporate Credit Risk, Senior Associate – • Lead sector risk analyst for transport and manufacturing. • Covered over 40 MNC and Russian corporate clients with limits of up to EUR 150 mln (transport, telecom, manufacturing, metals & mining). • Carried out personal risk approval authority for deals of up to EUR 5 mln. • Carried out supervisory risk approval function for subsidiary bank’s deals of up to EUR 15 mln. • Developed credit risk strategies and risk methodologies for transport and manufacturing sectors. – 2011-2015

Education:

– Financial University – Finance and Credit – Banking – 2008
– Yandex Practicum – Data Analyst – Data Analyst – 2023
– Association of Chartered Certified Accountants (ACCA) – ACCA Member – ACCA Member – 2018

Key skills:

Credit Analysis, Credit Risk Management, Credit Restructuring, Corporate Finance, Trade Finance, Financial Modeling, MS Office, Python, Pandas, Matplotlib, Seaborn, Statspack, A/B-testing, SQL, Jupyter, Tableau, English (fluent), Russian (native), French (intermediate), German (beginner), Spanish (beginner)