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amelalenafin_26

Amela L

@amelalenafin_26

Credit Analyst

United Kingdom
English, Italian, Albanian
About me
I am an accomplished Credit Risk and Corporate Banking professional with over 13 years of experience in commercial banking. I specialize in corporate credit analysis, risk assessment, and portfolio monitoring, having managed lending exposure exceeding £70 million. I am expert in financial statement analysis and ensuring compliance with regulatory requirements.... Read more

Skills

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amelalenafin_26
Amela L
Offline • 

See my services

Loan Advisory
I will provide professional financial and credit risk analysis
From$30 / projectMore details

Work experience

ProCredit_Bank Albania

Credit Analyst

ProCredit Bank Albania • Full-time

Dec 2022 - Aug 2024 • 1 yr 8 mos

Presented comprehensive financial assessments and data-driven recommendations to the Credit Committee for decision-making. Kept abreast of legal and market trends while ensuring all transactions adhered to compliance standards. Conducted credit evaluations of potential borrowers while analysing financial statements, credit reports, and relevant documentation to determine creditworthiness. Selected Accomplishments: ● Managed a portfolio of over 100 corporate clients with total lending exposure exceeding £70 million, conducting comprehensive financial statement, cash flow and repayment capacity analysis to assess creditworthiness and identify emerging credit risks. ● Prepared detailed credit memorandums to support new lending proposals, annual and periodic credit reviews, providing well-founded recommendations for Credit Committee decision-making. ● Monitored portfolio performance, covenant compliance and early warning indicators, recommending appropriate risk mitigation actions to maintain portfolio quality. ● Collaborated closely with Relationship Managers, Legal, Operations and Senior Management throughout the lending process, ensuring compliance with internal credit policies and regulatory requirements.