Gentiana Hyseni

• Assess and decide on SME credit risk cases with exposures up to EUR 750K in line with internal policies, while performing in-depth financial and cash-flow analysis for larger and more complex corporate clients in Kosovo.
• Participate in credit and business committees, contributing to risk-based decision-making and portfolio quality discussions.
• Manage and monitor a portfolio of clients with early warning indicators, proposing and implementing appropriate risk mitigation measures.
• Monitor investment plans, covenants, and other conditions specified in credit decisions, including conducting on-site client visits to assess business performance and ongoing development.
• Contribute to the review and continuous improvement of credit risk policies, standards, and internal instructions.

Conducted financial and cash-flow analysis for SME clients, assessing repayment capacity and financing needs.

Performed on-site visits to evaluate business performance, development, and financial requirements.

Conducted market research to acquire new clients fitting the Bank’s profile and offered advisory on eco-friendly solutions, including renewable energy, energy efficiency, and green initiatives.

Advised clients on suitable banking products and supported their transition to digital banking solutions.

Managed a portfolio of performing loans while providing assistance to clients showing early warning indicators and performing financial analysis for restructurings.

• Provided expert financial advice on banking products and services, assessing clients’ needs and goals.
• Assisted clients in managing accounts, resolving inquiries, and ensuring smooth banking operations.
• Helped private individuals and businesses transition from traditional banking to fully digital solutions.
• Performed large cash transactions and guided clients toward a cashless banking approach

• Provided frontline support at the reception desk, assisting staff and managing daily inquiries.
• Calculated and tracked bank fuel expenses, ensuring accurate reporting and monitoring.
• Managed internal post and delivery systems between Head Office, branches, and service points.
• Conducted site visits for inventory checks and process verifications at service points.
• Offered insights and recommendations for process improvements within internal services operations.