This document contains the curriculum vitae of H.FUNDA KÖSEOĞLU. It outlines her professional experience working in credit roles for various banks in Turkey since 2004, including her current role as Credit Team Leader at MAN Finansman A.Ş. It also lists her educational background and training. Her responsibilities have included credit risk analysis, portfolio management, policy development, and relationship management. She is seeking new opportunities for career growth in finance.

1. H.FUNDA KÖSEOĞLU
CURRICULUM VITAE
TIMELINE
PROFESSONAL EXPERIENCE
CREDIT TEAM LEADER
MAN Finansman A.Ş. (An Entity of the Volkswagen Group), Ankara, May 2011-Present
Responsibilities:
 Distributing the workload in credit department
 Following the performance of the credit team and reporting to management board
 Writing and managing to be written regularities such credit policy regarding to Company’s need
 Managing to be written scoring system based on sector need and implementing the credit policy
 Preparation of credit application files in English for above 1 million Euro, presentation of the application to
headquarter credit committee
 Being part of local credit committee, making presentations credit files in local limits (under 1 million Euro), in
relation to credit approval processes.
 Evaluation of the cash flow analysis in order to search company’s payment capacity and figure out to find the
dept servicing capacity ratio before allocating project credits
 Managing to be made regular sector reports such as Logistic, passenger transportation and infrastructure
sector reports
 Managing to be made various regular reports in relation to legal and company procedures
 Analysis of financial reports of corporate companies, i.e. balance sheets, income statement, etc.
 Consolidation of the balance sheets, making trend analysis and ratio analysis
 Analysis such factors as income growth, quality of management, market share, potential risk of industry, and
collateral appraisal
 Industrial analysis of the firms’ markets (Comparison items, such as liquidity, profitability, credit history and
cash, with other companies of same industry, size and geographic location)
 Collecting information from third parties such as from other banks and credit institutions with regard to
financial well-being of the firms
 Interviews with the managers of the firms to evaluate credit risks
 Building credit guarantees such as pledge rights, hypothecs etc. and closing considering the risk of credit
 Checking personal wealth of owners of the firms
 Periodic re-evaluation of the credit files
CONTACTS
hfunda.koseoglu@gmail.com
+90 532 135 81 58
Koru Bağlıca sitesi Zirve Cad
no:61-A
Bağlıca/Etimesgut ANKARA
Career Objective: To build a long-term
career in finance with opportunities for
career growth at an ambitious
company

2. Achievements:
 Having been a part of local credit committee and allocated credits (total portfolio of MFS-TR is 198 million
Euro)
 Having highly satisfactory performances and successfully completed credit department goals
 Have written new local credit policy and responsible to be applied among all departments.
 Represented MFI-TR for new system projects;
1. Completed “CDT –Credit Decision Tool” which aimed to establish a uniform credit decision system for all
MFI Countries in cooperation with headquarters at Munich.
2. Completed “New Rating System” which aimed to establish a uniform credit rating system for all MFI
Countries in cooperation with headquarters at Munich.
 Selected to work temporarily (between 17th of August 2013 and 20th of December 2013) in Headquarter
(Munich) between all MFI Countries’ credit departments to support HQ Credit Department when
aforementioned project continues.
ASSISTANT MANAGER OF COMMERCIAL SALES DEPARTMENT IN REGINAL HEADQUARTER
ING BANK A.Ş., Ankara, March 2009 - March 2010
Responsibilities:
 Industrial analysis of the firms’ markets (Comparison items, such as liquidity, profitability, credit history and
cash, with other companies of same industry, size and geographic location)
 Following branches’ target reports to regional group manager
 Giving pricing approval to branches according to pricing policy
 Evaluating to credit files which were sent by branches to support healthy new business before arguing into
the credit committee
 Following the performance of the sales team of branches and reporting to region management board
Achievements:
 Having been a part of headquarter credit committee in order to support the credit files of branches
 Successfully completed regional pricing target
MARKETING SPECIALIST OF COMMERCIAL BANKING IN TURAN GÜNEŞ BRANCH
ING BANK A.Ş., Ankara, August 2006 - March 2009
Responsibilities:
 Fostering and maintaining relationship with the commercial customers
 Sales of all sorts of commercial and corporate credits
 Sales of various banking products including foreign trade transactions
 Expanding and retaining the customer portfolio
 Having regular customer visits to seek new sales opportunities
 Resolving customer complaints / conflicts efficiently
 Measurement of sales performance of the managed unit
 Analysis of financial reports, i.e. balance sheets, income statement, etc.
 Preparation of credit package and submitting it to the headquarter
Achievements:
 Have found new corporate companies and led to allocate satisfactory big credits for the branch such as
project finance credits
 Successfully completed all targets such as yearly credit allocation without any default, increasing deposit
volume etc.
MANAGEMENT TRAINEE & COMMERCIAL CREDITS MARKETING SPECIALIST
Dışbank A.Ş (Fortis Bank A.Ş.), Ankara, June 2004- August 2006
Responsibilities:
 Fostering and maintaining relationship with the commercial customers
 Sales of all sorts of commercial and corporate credits
 Sales of various banking products including foreign trade transactions
 Expanding and retaining the customer portfolio
 Having regular customer visits to seek new sales opportunities
 Resolving customer complaints / conflicts efficiently
 Measurement of sales performance of the managed unit
 Analysis of financial reports, i.e. balance sheets, income statement, etc.
 Preparation of credit package and submitting it to the headquarter
Achievements:
 Have found new corporate companies and led to allocate corporate credits for the branch

3.  Successfully completed all targets such as yearly credit allocation without any default, increasing deposit
volume etc.
ASSISTANT CREDIT SPECIALIST
Nurol Bank A.Ş., Ankara, March 2004- June 2004
Responsibilities:
 Preparation of cash flow in order to finance new investments of commercial customers and submitting it to
the headquarter
 Sales of all sorts of commercial and corporate credits
 Expanding and retaining the customer portfolio
 Having regular customer visits to seek new sales opportunities
 Analysis of financial reports, i.e. balance sheets, income statement, etc.
EDUCATION
United States. California, Santa Cruz: March 2010-March 2011: Practice and strengthen to English language skills
Middle East Technical University (ODTU): Ankara, 2002-2003: English course for 1 academic year
Hacettepe University, Ankara, 1998-2002: B.A. in Economics
Bahçelievler Deneme Lisesi, Ankara, 1994–1997: Turkish and Mathematics
PROFESSIONAL TRAININGS, CONFERENCES AND COURSES
MAN Financial Services Gmbh, Munich, 2011-Present: Trainings and conferences on credit, compliance and risk
management
ING Bank, İstanbul, 2006-2010: Courses on Sales, finance and personal development
Dışbank (Fortis Bank) Banking Academy, İstanbul, 2004-2006: Management Trainee program for 2 months,
Trainings and conferences (Sales Skills, Capital Market Legislations, Foreign Trade Operations, Delivery And Payment
Methods, Financial Analysis, Eximbank Loans, Trading And Securities Law, Team Working, Fund Management,
Treasury Products, Asset / Liability Management, Commercial And Retail Banking Products, Financial Mathematics,
Insurance Operations, Stress Management, Communication Skills, Guarantee Laws )
PERSONAL
Born on 20.05.1980, Rize
Non-smoker
Driving license owner (B-Type)
Following articles on finance and economy
Interested in fitness, swimming, (member of a Health Club)
SKILLS