Svetla Valcheva
Marstons Mills,MA
Summary
Dedicated and adaptable professional with a proactive attitude and the ability to learn quickly. Strong work ethic and effective communication skills. Eager to contribute to a dynamic team and support organizational goals.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Financial Analyst
Vizex Investments Ltd., Sofia, Bulgaria
11.2014 - 11.2015
- Analyze and interpret financial data, making comparative analyses.
- Providing trends and forecasts, explaining processes and trends, and recommending actions to interns.
- Recommend individual investments and a collection of investments, known as a portfolio.
- Evaluate current and historical data.
- Study a company’s financial statements, and analyze commodity prices, sales, costs, expenses, and tax rates to determine a company’s value by projecting the company's future earnings.
- Study economic and business trends.
- Analyze financial status by analyzing results, monitoring variances, identifying trends, and recommending actions to management.
- Monitor fundamental economic, industrial, and corporate developments through the analysis of information obtained from financial publications and services, investment banking firms, government agencies, trade publications, and company sources.
- Assemble spreadsheets, and draw charts and graphs used to illustrate technical reports.
- Explore investment opportunities by analyzing financial data, reports, and financial statements of the companies.
Relationship Expert - Corporate Clients
DSK Bank, Sofia, Bulgaria
07.2009 - 11.2010
- Initiate meetings with new corporate customers, and develop relationships with current ones.
- Negotiate terms and conditions, considering all customers' requirements and the bank’s policy.
- Prepare credit analysis and participate in the credit approval process by meeting all credit standards of the Bank.
- Drafting complex offers to clients about the full range of bank products, within the bank's internal and regulatory policies and procedures.
- Organize and hold meetings with the clients (along with the Relationship Manager, Risk Expert, and Evaluator) in order to provide the bank with detailed information about the total assets and other useful financial information for the client's business, as well as to ensure the bank's technological and technical security for the client's business.
- Check out the index of major corporate companies on the Bulgarian Stock Market once per week, in accordance with the bank policy and some loan conditions.
- Preparation of financial analysis and support for the Risk Department in the credit rating procedure, preparation of some financial ratios, and analysis of financial trends in key indicators of business-specific and market risk.
- Assistance and preparation of credit contracts, bank guarantees, deposit contracts, reference letters, etc.
- Preparation of proposals for loans to customers,
- Expert advice on the available bank products for customers – (credits, deposits, etc.).
- Offers cross-selling products of the bank group (leasing, insurances, factoring, etc.).
Financial Consultant
Creditland.bg, Sofia, Bulgaria
10.2008 - 11.2009
- Consult the clients about the national bank products for over seventeen banks in Bulgaria.
- Initiate a meeting between the clients and financial institutions (banks, leasing companies, insurance companies, etc.).
- Consult the clients about all aspects of the banking process – conditions, evaluations, insurance services, etc., and represent their profile in front of the bank's experts.
- Consult clients about the financial products in the Bulgarian market, tax regulations, interests, etc.
- Answer all queries quickly, efficiently, and with credibility, setting appointments, generating, and following up on the company’s policy.
- Working in line with the group's policy and procedure, meet daily targets.
- Build and maintain a good relationship with customers and internal colleagues.
- Take part in training sessions. Provide support, assistance, and training to new, temporary, or full-time work staff.
Coordinator Bad Payments
Hypo Alpe - Adria - Bank s.p.a., Sofia, Bulgaria
03.2007 - 09.2008
- Prepare daily obligation reports of clients' portfolios for the purpose of the Risk Department, Sales departments, or clients' requests. Initiate meetings with the clients in connection with the overdue amounts.
- Remaining phone calls to the clients.
- Presenting different cases in front of the Watch Loan Committee twice a month, in connection with bad payment behavior. Work in close relationship with other departments, suppliers, and subcontractors (insurance brokers, leasing brokers) in connection with the obligation reports. Work in close relation with collection companies to control the overdue portfolio.
- Overviews and monitors the provisioning process once a month (extracting reports on a 1, 3, and 6-month basis).
- Prepares new payment plans and annexes to the main contracts in case of the restructuring process.
- Sends remaining letters, takes part in the preparation of notarized invitations, if necessary.
- Proposes ways and methods for controlling the overdue portfolio.
Sales Specialist
UNICREDIT LEASING S.P.A. Sofia, Bulgaria
06.2005 - 12.2006
- Develop relationships with old clients and establish a connection with new ones.
Preparation of leasing offers, contracts, and all related documents for the clients. - Negotiate lease terms and structure lease offers. Preparation of internal and external documentation in connection with the leasing deals. Initiate meetings with clients and suppliers, coordinate the meetings between the client, the supplier, and the leasing company.
- Prepare documentation in connection with suppliers' payments.
Collects, controls, and coordinates payments to the suppliers with the accounting department. - Responsible for the process of giving the vehicle to the client in full compliance with the company’s procedures and legislation requirements.
- Current monitoring of the leasing contract and preparation of relevant reports to the Head of Department, when necessary.
- Informs the clients of legislation and normative changes in direct connection with the work, and coordinates the information internally.
- Preparation of documentation in connection with payments, maintaining a database with information for clients, leasing assets, and their characteristics.
Education
Financial Control - Master's Degree
University of National And World Economy
Sofia, Bulgaria04-2010
Finance - Bachelor's Degree
University of National And World Economy
Sofia, Bulgaria03-2008
Skills
- Accounting principles
- Accounting assistance
- Financial consulting
- Finance
- Credit analysis
- Documentation skills
- Expert in customer relations
- Data inputs
Languages
German
Elementary
Bulgarian
Native/ Bilingual
Certification
- Intuit Academy- Tax level 1- Federal Individual Tax returns- enrolled
- Intuit Bookkeeping Certification - Accounting Concepts and Financial Statements - enrolled
- Coursera: Introduction to Financial Accounting, University of Pennsylvania - enrolled
References
References available upon request.
Timeline
Financial Analyst
Vizex Investments Ltd., Sofia, Bulgaria
11.2014 - 11.2015
Relationship Expert - Corporate Clients
DSK Bank, Sofia, Bulgaria
07.2009 - 11.2010
Financial Consultant
Creditland.bg, Sofia, Bulgaria
10.2008 - 11.2009
Coordinator Bad Payments
Hypo Alpe - Adria - Bank s.p.a., Sofia, Bulgaria
03.2007 - 09.2008
Sales Specialist
UNICREDIT LEASING S.P.A. Sofia, Bulgaria
06.2005 - 12.2006
- Intuit Academy- Tax level 1- Federal Individual Tax returns- enrolled
- Intuit Bookkeeping Certification - Accounting Concepts and Financial Statements - enrolled
- Coursera: Introduction to Financial Accounting, University of Pennsylvania - enrolled
Financial Control - Master's Degree
University of National And World Economy
Finance - Bachelor's Degree
University of National And World Economy
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