Marija Rafajlovska
Financial Analyst
Skopje
Summary
Experienced and hardworking financial analyst with a diverse background in ALM, FX dealing, broker accounting, and bank payment cards, including international and domestic Visa card settlement. Possessing over 12 years of professional experience in the banking industry, demonstrating a strong understanding of financial markets and regulatory compliance. Skilled in analyzing complex financial data and identifying trends, adept at providing valuable insights to drive strategic decision-making. Committed to delivering accurate and timely financial reports, consistently ensuring compliance with industry standards and internal policies.
Overview
15
15
years of professional experience
5
5
years of post-secondary education
2
2
Certifications
2
2
Languages
Work History
Accounting and administrative officer
NLB Banka AD
12.2023 - Current
- Accounting and logistics of credit cards
- International and domestic settlement - Visa Cards
- Invoicing, payment control
- Communication, coordination and customer/branch support
- Testing the processes of the Banking Software and offering improvement solutions
- Managing general ledger accounts
- Month-end close duties
Financial Analyst in Assets and Liabilities Department
NLB Banka AD
04.2015 - 12.2023
- Preparing dynamic liquidity projection;
- Preparing projections for expected future cash flows of the bank for domestic and foreign currency on a daily and monthly basis;
- Preparing projections for expected movements in Structural liquidity ratios;
- Preparing the balance sheet structure from liquidity viewpoint and planning of some positions of the balance sheet;
- Monitoring and management of liquidity risk on operational and structural level;
- Preparing the documentation for monthly ALCO presentation;
- Preparation of analysis and proposal for FTP for assets and liabilities in domestic and foreign currency, monitoring and control of FTP attribution system;
- Preparing the policy for award of goals and determination of FTP;
- Managing the interest rates banks policy, making proposal's for deposit interest rates for cherry picking banks clients
- Preparing of internal acts (Policies, Procedures, Methodologies) for ALM Department;
- FX currency risk management, monitoring and management of the operating foreign currency position;
- Financial analysis of balance sheet and income statement of the bank and preparing comparative analysis in relation to other banks;
- Mentoring and knowledge transfer;
- Responsible for monitoring of operational risks, Risk of the information system and BIA for ALM Segment;
- Member of a project team for data governance and data warehouse;
- Preparing PowePoint presentations for daily, weekly and monthly reports
- Preparing daily, weekly and monthly dashboards for bank's Management
Financial Analyst in Securities Services Department
NLB Banka AD
01.2014 - 04.2015
- Trading with securities;
- Purchase and sale of securities on its own behalf and for its own account;
- Purchase and sale of securities upon order and for the account of the client;
- Reception and transmission of orders for purchase and sale of securities on foreign securities markets;
- Purchase and sale, underwriting or placement of issue of securities;
F/X Dealer
NLB Banka AD
01.2013 - 01.2014
- Trading with state securities and other instruments of the monetary policy on domestic markets on behalf and for the account of the client;
- Trading with deposits and money market financial derivatives on the domestic and international market on behalf of the Bank;
- Trading foreign exchange funds on the domestic and international market for own purpose and for the account of the client following their instructions;
Financial Analyst in Assets and Liabilities Department
NLB Banka AD
02.2012 - 01.2013
- Daily monitoring of the bank's liquidity;
- Conforming to the Member Group's policies and strategies on liquidity, currency, and interest risk;
- Ensuring compliance with the National Bank's regulations on obligatory reserves;
- Ensuring compliance with the National Bank's regulations on liquidity risk;
Intern - Independent Domestic Payment Operations Department
Komercijalna Banka AD
09.2011 - 10.2011
- Trainee at the recommendation of the European University of the Republic of Macedonia
Intern
Brokerage house 'Eurohaus'
12.2010 - 01.2011
- Trainee at the recommendation of the European University of the Republic of Macedonia
Intern - International Payment Operations and Foreign Currency Accounts Department
Komercijalna Banka AD
12.2009 - 01.2010
- Trainee at the recommendation of the European University of the Republic of Macedonia
Education
Master - Financial and banking management
European University of Republic of Macedonia
09.2011 - 01.2014
Bachelor - Financial and banking management
European University of Republic of Macedonia
09.2008 - 09.2011
Capital Markets Principals - undefined
Academy of Banking and Information Technology - ABIT
Workshop for best young managers and future bankers - Operations of Financial Market Payment systems with National Bank of RM, Implementation of monetary policy - undefined
Academy of Banking and Information Technology - ABIT
Workshop - The challenges for the central banks in the period after the outbreak of the global economic crisis, with a focus on the monetary policy in the Republic of Macedonia - undefined
Academy of Banking and Information Technology - ABIT
Analyzing and Visualizing Data with Microsoft Excel, PL300 - Microsoft Power BI, Structured Query Language - SQL basic - undefined
Semos Education Centar
Skills
- Time Management
- Ability to Work Under Pressure
- Ability to Work in a Team
- Ability to Multitask
- Fast Learner
- Communication Skills
- Creative Problem Solving
- Honesty
- Ability to take risks
- Flexibility
- Responsibility
- Microsoft Office Excel
- Microsoft Office Word
- Microsoft Office Power Point
- Analytical skills
Personal Information
Date of Birth: 12/26/88
Driving License - Category
B
Certification
Navigating ESG for Competitive Advantage
Timeline
Navigating ESG for Competitive Advantage
11-2024
Accounting and administrative officer
NLB Banka AD
12.2023 - Current
Training for future young managers – certificate in management skills Center for Management, Consulting, Education and Training MOTIVA
09-2016
Financial Analyst in Assets and Liabilities Department
NLB Banka AD
04.2015 - 12.2023
Financial Analyst in Securities Services Department
NLB Banka AD
01.2014 - 04.2015
F/X Dealer
NLB Banka AD
01.2013 - 01.2014
Financial Analyst in Assets and Liabilities Department
NLB Banka AD
02.2012 - 01.2013
Intern - Independent Domestic Payment Operations Department
Komercijalna Banka AD
09.2011 - 10.2011
Master - Financial and banking management
European University of Republic of Macedonia
09.2011 - 01.2014
Intern
Brokerage house 'Eurohaus'
12.2010 - 01.2011
Intern - International Payment Operations and Foreign Currency Accounts Department
Komercijalna Banka AD
12.2009 - 01.2010
Bachelor - Financial and banking management
European University of Republic of Macedonia
09.2008 - 09.2011
Capital Markets Principals - undefined
Academy of Banking and Information Technology - ABIT
Workshop for best young managers and future bankers - Operations of Financial Market Payment systems with National Bank of RM, Implementation of monetary policy - undefined
Academy of Banking and Information Technology - ABIT
Workshop - The challenges for the central banks in the period after the outbreak of the global economic crisis, with a focus on the monetary policy in the Republic of Macedonia - undefined
Academy of Banking and Information Technology - ABIT
Analyzing and Visualizing Data with Microsoft Excel, PL300 - Microsoft Power BI, Structured Query Language - SQL basic - undefined
Semos Education Centar
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