d
dragomirvolcins

Dragomir

@dragomirvolcins

SME and Corporate Credit Risk Analyst, Underwriting and Credit Memos

Moldova
Russian, Romanian, English
About me
I am a bank-side SME credit risk analyst with graduate training in finance, banking, treasury and investment. I specialize in commercial underwriting, financial spreading, repayment capacity, DSCR, balance-sheet risk, industry benchmarking, collateral and covenant analysis, and decision-ready credit memoranda. I do more than calculate ratios: I explain the credit implications, key risks, mitigants and recommended decision. I also build structured Excel models, cash-flow forecasts and DCF valuations. Available in English, Romanian and Russian.... Read more

Skills

d
dragomirvolcins
Dragomir
Offline • 
Average response time: 1 hour

See my services

Loan Advisory
I will analyze sme and corporate credit risk and prepare a credit memo
From$35 / projectMore details
Certifications & Regulations
I will review your aml kyc controls and deliver an actionable gap report
From$50 / projectMore details

Portfolio

Work experience

Victoriabank

Credit Risk Analyst - SME (IMM)

Victoriabank

Aug 2025 - Present • 1 yr 2 mos

SME corporate credit-risk analysis, including review of financial statements, balance-sheet structure, liquidity, leverage, cash flow, repayment capacity, and industry-specific risks and ratios. Preparation of clear, structured credit conclusions for internal decision-making.