Candan Banu Unkan Demirtaş
Istanbul,Besiktas
Summary
Senior credit risk professional over 20+ years of experience in corporate banking, specializing in credit allocation, financial analysis and portfolio risk management.
Proven track record in evaluating large-scale corporate credit proposals, supporting credit committees and managing risk within defined appetite frameworks.
Strong expertise in financial statement analysis, regulatory compliance with the ability to act as a trusted risk partner to senior stakeholders.
Overview
26
26
years of professional experience
2
2
Languages
Work History
Credit Analysis Manager
Akbank
09.2024 - Current
- Lead credit assessment of large corporate clients including NBFI and MNC segments, evaluating financials, risk exposure and credit structures,
- Prepare and present credit proposals to Senior Management and Credit Committee,
- Monitor portfolio performance, identifying early warning signals and emerging risks,
- Ensure compliance with internal policies, regulatory requirements and risk appetite framework.
Large Corporate Credit Allocation Manager
Türk Ekonomi Bankası
10.2019 - 09.2024
- Preparing reports for the Credit Committee regarding creditworthiness by examining the commercial structures and financial data of large-scale companies.
- Evaluating loan requests within the framework of bank loan policies and presenting them to senior management,
- Carrying out negotiation processes according to the determined loan allocation conditions,
- Following the investment and project completion process in investment loans,
- Monitoring the risks of companies/financial institutions in the bank’s credit portfolio,
- Carrying out decision-making processes for partial or complete cancellation of limits or rearrangement of credit conditions when necessary, using early warning mechanisms,
- Preparing monthly, annual, internal and external reports regarding loans.
Credit Analysis Manager
Türk Ekonomi Bankası
04.2011 - 10.2019
- Examining the commercial structures and financial data of companies in the portfolio of Orta Anadolu Corporate Branch, located in different sectors, with a turnover of over 100 Million TL, and preparing reports in English for the creditworthiness of the companies addressed to Turkey and/or Paris Credit Committee.
- Feasibility and Cash analysis of the long-term investment projects,
- Answering questions from domestic and international allocation departments during the credit evaluation process,
- Supported credit decision processes and portfolio risk monitoring.
Financial Analysis Manager
Finansbank
01.2004 - 04.2011
- Conducted financial statement analysis and creditworthiness assessments
- Managed a team of financial analysts successfully by providing ongoing coaching, feedback, and development opportunities.
Financial Analyst
Yapı Ve Kredi Bankası
07.2000 - 02.2003
Education
Bachelor of Science - Public Finance
Ankara University
Ankara 04.2001 -
Associate of Science - Justice
Anadolu University
04.2001 -
Skills
Large-scale credit risk analysis
Proficient in financial statement evaluation
Financial investment analysis
Credit assessment reporting
Portfolio analysis
Proficient in data analysis using Excel
Timeline
Credit Analysis Manager
Akbank
09.2024 - Current
Large Corporate Credit Allocation Manager
Türk Ekonomi Bankası
10.2019 - 09.2024
Credit Analysis Manager
Türk Ekonomi Bankası
04.2011 - 10.2019
Financial Analysis Manager
Finansbank
01.2004 - 04.2011
Bachelor of Science - Public Finance
Ankara University
04.2001 -
Associate of Science - Justice
Anadolu University
04.2001 -
Financial Analyst
Yapı Ve Kredi Bankası
07.2000 - 02.2003