candidati

Descrierea postului:

• perform an analysis of the borrower situation both from the financial and the legal point of view;
• check the collateral (physically and legally wise) and appraise its value with the help of an expert, if case;
• visit the borrower to see its business and the existing / proposed collaterals
• request additional information regarding the borrower from the legal adviser and / or from the Bank Executor (legal actions status, insolvency procedure status, identify properties owned by the borrower or by its shareholder when the last one is guarantor);
• propose restructuring of the exposure by increasing the tenor;
• propose restructuring of the exposure by granting additional amounts to the customer if absolutely necessary;
• propose restructuring of the exposure by partially decreasing the principal followed by a new negotiated reimbursement schedule;
• propose restructuring of the exposure by improving the collateral package;
• advise customer to organize its defense in Court or to take immediate actions to close the bankruptcy procedure;
• restructure the exposure by selling some of the collaterals and negotiate a new reimbursement schedule;
• transfer the file to the Recovery Unit to start enforcement procedures together with Bank / Court Executors;
• transfer the file to the Recovery Unit to manage the relationship with the company and represent the Bank in the insolvency procedure;
• restructure the exposure by taking any of the above combined actions or any other action to protect Bank’s interest;
• request to the Bank / Court Executor to start the enforcement procedures in order to force the customer to agree on any restructuring measures proposed.
• appoint a Bank / Court Executor to start the enforcement procedure;
• ensure that the Bank is properly represented at the auctions;
• support the enforcement procedure by advertising the auctions, negotiate with debtors and or possible buyers payment by installments;
• represent the Bank in the relationship with Judicial Administrators and participate at creditors meetings for insolvent companies;

• cooperate with dedicated legal advisers / lawyers in files where the enforcement procedure was contested in Court or in insolvency files.

Requirements:

• preferably legal or economical background;
• minimum one year experience in one of the following activities:
• special handling / workout / restructuring departments in banking system;
• credit analysts;
• enforcement activities / legal recovery procedures;
• good English command;
• ability to successfully achieve assigned targets;

• good command of MS Office.

Cerinte:

• preferably legal or economical background;
• minimum one year experience in one of the following activities:special handling / workout / restructuring departments in banking system;
• credit analysts;
• enforcement activities / legal recovery procedures;
• good English command;
• ability to successfully achieve assigned targets;

• good command of MS Office.