ANDREEA MARIA ULICI
SIGHETU MARMATIEI,MARAMURES
Summary
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Highly trained Credit Analyst offering excellent skills in managing issues, updating files and reviewing financial statements. Pursuing a similar position where a well-qualified individual with an understanding of collections is highly sought. Team-oriented individual highly skilled in credit policies and corporate regulations. Desiring Credit Analyst position with BANCA TISA company. Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a leasing and financial company. Credit Analyst knowledgeable in conducting background checks and developing methodologies to predict future risk behaviors. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
15
15
years of professional experience
Work History
Bank Teller
BANCA COOPERATISTA TISA
01.2009 - Current
- Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
- Processed customer transactions promptly, minimizing wait times.
- Built and strengthened customer relationships by leveraging excellent interpersonal and communication skills.
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
- Educated customers on use of banking website and mobile apps.
- Counted and packaged currency and coins.
- Reconciled cash drawer and resolved discrepancies.
- Provided customer records, account statements and copies of checks.
- Answered telephone inquiries on checking and savings accounts, loans, and lines of credit.
- Learned about customer's financial needs, established trust, and optimized sales opportunities resulting in quality customer service.
- Logged cashier's checks and other transactions to maintain accurate account records.
- Turned in excess cash to maintain drawer security.
- Sold and cross-sold bank products to new and existing customers.
- Placed orders for customer checks and verified starting numbers.
- Audited fellow teller currency to contribute to dual-control procedures.
- Assisted customers with compromised debit cards and issued new credentials.
- Served as primary point of contact for customers, providing assistance with account maintenance and transactions.
- Maintained accurate records of customer transactions in line with bank procedures.
- Maintained in-depth knowledge of bank products and services to provide appropriate recommendations to customers.
- Disbursed cash and checks accurately while maintaining security of cash drawers.
- Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
- Removed mutilated currency from circulation.
- Followed up on customer complaints and provided solutions to enhance customer satisfaction.
- Identified sales opportunities and referred customers to branch partners in financial services.
- Assisted with training of new tellers on policies and procedures.
- Monitored and reported suspicious activity in line with bank security policies.
- Executed wire transfers, stop payments and account transfers.
- Handled various accounting transactions.
- Processed wide variety of retail banking transactions for personal and commercial customers.
- Educated customers on online banking and mobile banking applications.
- Counted, verified and handled bank deposits and armored car transactions.
- Assisted customers with banking needs and inquiries.
- Maintained friendly and professional customer interactions.
- Cross-sold credit cards, loans and other bank products.
- Trained new hires on customer service policies and procedures.
- Monitored and verified suspicious activity on customer accounts.
- Referred customers to other banking departments for specialized services.
- Performed account maintenance by closing out accounts and changing customer addresses.
- Established rapport with new clients to increase satisfaction and loyalty.
- Arranged monies received in cash boxes and coin dispensers according to denomination.
- Calculated fees due, interest and change for customer transactions.
- Received mortgage, loan or public utility bill payments, verifying payment dates and amounts due.
- Processed applications for new accounts.
Bank Credit Analyst
BANAC COOPERATISTA TISA
03.2020 - 11.2023
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Assessed credit risk and analyzed financial statements.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Gathered loan documentation for underwriting.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Made decisions and recommendations about extending lines of credit.
- Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
- Participated in loan committee meetings to provide input on lending processes.
- Conducted industry research to understand economic conditions impacting borrower ability to repay loans.
- Conducted presentations to upper management and executive teams for loan recommendations.
- Investigated and resolved customer disputes related to credit decisions.
- Maintained compliance with applicable regulations and laws governing consumer credit.
- Complied with internal controls and government regulations.
- Negotiated payment plans and loan terms with delinquent customers.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Analyzed and monitored portfolio credit performance against expectations and recommended improvement strategies.
- Performed credit reviews on corporations to assess financial conditions.
Restaurant and Hotel Manager
HOSTEL MARAMURES
01.2016 - 02.2020
- Handled guest complaints and offered complimentary services to maintain high guest satisfaction rates.
- Provided exceptional service and assistance to guests upon check-in.
- Increased customer service ratings through personable service.
- Greeted and assisted guests by gathering information pertaining to reservations or requests.
- Provided services efficiently and with high level of accuracy.
- Prepared monthly resort audits for review.
- Analyzed and evaluated business data to identify opportunities for improvement.
- Hired and trained new employees, demonstrating best methods for serving clients and guests.
- Monitored and evaluated performance of personnel to confirm compliance with standards.
- Booked large groups for weddings, seminars, conferences, and other events, providing best available room rates.
- Supervised team of [Number] front desk agents and helped to resolve issues arising during shifts.
- Managed day-to-day operations of lodging facility, scheduling staff and overseeing budgets.
- Implemented successful strategies to increase customer satisfaction.
- Established and upheld high standards, promoting great customer service and assistance to guests.
- Coordinated with waitstaff to regularly clean buffet areas and refill hot and cold items quickly.
- Negotiated with vendors to obtain favorable rates for goods and services while maintaining good working relationships.
Education
UNIVERSITY DEGREE - DEGREE IN FINANCE AND BANKING
UNIVERSITY OF ECONOMIC SCIENCE BLAJ
BLAJ, ROMANIA02.2012
CERTIFICATE OF LINGUISTIC COMPETENCE - CERTIFICATE OF LINGUISTIC COMPETENCE IN ENGLISH
UNIVERISTY SPIRU HARET
BUCHAREST, ROMANIA06.2011
Professional Qualification Certificate And Environ - ENVIRONMENTAL QUALITY PROTECTION
GROUP SCOLAR PT INDUSTRIE MICA SI SERVICII
SIGHETU MARMATIEI, ROMANIA06.2008
Skills
- Proficient in [Software]
- Credit Reporting
- Oral and Written Communications
- Data Compilation
- Verbal and Written Communication
- Credit Analysis
- Financial Statement Review
- Report Analysis
- Credit Decisions
- Credit Programs
- Statement Review
- Term Negotiation
- Lending Regulations
- Commercial and Consumer Clients
- Risk Assessment
- Industry Standards
- Loan Documentation
- High Risk Account Reviews
Languages
English
Native or Bilingual
Romanian
Native or Bilingual
Ukrainian
Native or Bilingual
Spanish
Professional Working
Timeline
Bank Credit Analyst
BANAC COOPERATISTA TISA
03.2020 - 11.2023
Restaurant and Hotel Manager
HOSTEL MARAMURES
01.2016 - 02.2020
Bank Teller
BANCA COOPERATISTA TISA
01.2009 - Current
UNIVERSITY DEGREE - DEGREE IN FINANCE AND BANKING
UNIVERSITY OF ECONOMIC SCIENCE BLAJ
CERTIFICATE OF LINGUISTIC COMPETENCE - CERTIFICATE OF LINGUISTIC COMPETENCE IN ENGLISH
UNIVERISTY SPIRU HARET
Professional Qualification Certificate And Environ - ENVIRONMENTAL QUALITY PROTECTION
GROUP SCOLAR PT INDUSTRIE MICA SI SERVICII
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