Timotheos Papadopoulos

• Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
• Made decisions and recommendations about extending lines of credit.
• Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
• Monitored credit accounts routinely to identify and mitigate issues and prevent losses.

• Monitoring of non-performing business exposures domiciled at one of the Bank's Business Centers or Corporate Finance
• Review on a rolling basis of exposures flagged as NPL < €1m, strategy definition (Support to RMs), approval of credit strategy, and classification (Mainstream - Past due - Unlikely to pay - Judicial), continuous monitoring of the performance of the forbearance measures, follow up with RMs in case no actions have been undertaken on the positions detected, periodic calibration of Decision Trees (In case of deviation of RM from strategy suggested), checking of EWIs & Triggers (entry, classification, exit) which impact the credit rating, assisting in the quarterly compilation of risk management reports
• Reporting to head of department being responsible for monitoring and management of business non-performing exposures in pre-litigation stage.

Project Amoeba: Processing of business loans for large companies, data evaluation of applications, drafting contractual documents, collateral & loan administration.

• Processing of business loans for large & medium-sized enterprises with annual turnover from 10 to 500 million
• Portfolio management of total of 150 companies
• Data evaluation of applications, collateral and contractual documents checking
• Loans restructuring
• Supervision of a 4-person group for lending, analysis, approvals implementation and their overall service.

• Financial analysis of large-sized enterprises with annual turnover from 1 to 15 million
• Portfolio management of total of 120 companies
• Financing recommendations - Supervision of four-person group
• Lending restructuring and adjustments.

• Portfolio management of small and medium-sized enterprises
• Financing recommendations
• Attracting new clients.

• Analysis of financial data
• Financing recommendations
• Portfolio management
• Attracting new clients