Andrija Ljubišić
Credit Analyst
Belgrade
Summary
Dynamic Junior Credit Analysis Officer at Raiffeisen Bank with expertise in risk assessment and team collaboration. Successfully streamlined loan approval processes, enhancing efficiency and profitability. Proven ability to analyze financial data and communicate effectively, ensuring compliance and informed decision-making. Committed to continuous improvement and fostering a positive team environment.
Overview
4
4
years of professional experience
Work History
Junior Credit Analysis Officer
Raiffeisen Bank
08.2024 - Current
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Participated in loan committee meetings to provide input on lending processes.
- Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
- 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.
- Streamlined the loan approval process for faster results by implementing an efficient credit scoring system.
- Identified potential problem loans early on through ongoing monitoring activities, enabling prompt remedial actions when needed.
Intern Credit Risk Officer
ProCredit Bank
01.2024 - 07.2024
- Supported staff members in their daily tasks, reducing workload burden and allowing for increased focus on higher-priority assignments.
- Gained valuable experience working within a specific industry, applying learned concepts directly into relevant work situations.
- Analyzed problems and worked with teams to develop solutions.
- Contributed to a positive team environment by collaborating with fellow interns on group projects and presentations.
Talent Acquisition Intern
Becky.works
05.2022 - 07.2022
- Enhanced candidate experience by effectively managing the recruitment process and maintaining clear communication.
- Worked closely with hiring managers to understand their talent needs, ensuring alignment between intern skillsets and project requirements.
- Streamlined talent sourcing methods for improved efficiency and better candidate selection.
- Evaluated effectiveness of various recruitment channels, reallocating resources to optimize results.
Education
No Degree - Management
Faculty of Organizational Sciences
Belgrade, Serbia 04.2001 -
High School Diploma -
Ninth Belgrade Gymnasium "Mihailo Petrović Alas"
Belgrade, Serbia 04.2001 -
Skills
Work coordination
Team collaboration
Report writing
Emergency response coordination
Report preparation
Information verification
Community relations
Emergency and non-emergency response
Public speaking
Evidence analysis
Risk assessment
Time management
Strategic planning
Additional Information
- Date of birth: 28.2.2000.
- Place of birth: Belgrade, Serbia.
Accomplishments
May - November 2018
Sports Journalist at football matches under the auspices of the Football Association of Serbia (FSS)
July 2018
ISWIB (International Students Week in Belgrade) | Volunteer
March 2019
BIMUN (Belgrade International Model United Nations) | Delegate of the Republic of India
December 2019 – Jun 2020
AIESEC | Team Member, Incoming Global Entrepreneur Program
Timeline
Junior Credit Analysis Officer
Raiffeisen Bank
08.2024 - Current
Intern Credit Risk Officer
ProCredit Bank
01.2024 - 07.2024
Talent Acquisition Intern
Becky.works
05.2022 - 07.2022
No Degree - Management
Faculty of Organizational Sciences
04.2001 -
High School Diploma -
Ninth Belgrade Gymnasium "Mihailo Petrović Alas"
04.2001 -