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Curriculum Vitae Livia HRISCU
Page 1 / 3
PERSONAL INFORMATION Livia HRISCU
Romania, Bucharest, District 3, 45-47th
Lacramioarei Street, bl. 6-7, sc. B, ap. 68
0040-723-388.380
livia_hriscu@yahoo.com
Sex Female | Date of birth 29/06/1980 | Nationality Romanian
WORK EXPERIENCE
November 2012 – present Credit Analyst (Back Office Business Loans)
BRD-GROUPE SOCIETE GENERALE SA, Bucharest, www.brd.ro
▪ checking the component of the credit files and existence of documents in the form and the
content according to the standard internal rules and current legislation.
▪ financial analysis of the business credits and other loans and submission of documents for
approval according to the standard internal rules;
▪ checking the conformity of the loan approval according to the standard approval competencies;
▪ drawing up the credit and collateral contracts;
▪ setting up the credit file, both physical and electronic format and ensure the update in close
liaison with internal collaborators.
Sector Finance / Banking
April 2008 – November 2012 Tracking and Monitoring Analyst (Back Office Business Loans)
BRD-GROUPE SOCIETE GENERALE SA, Iasi, www.brd.ro
▪ making several reports (weekly/monthly/trimestrial), generating specific reports from the internal
information system and external databases.
▪ interpretation of the results generated by internal computer applications.
▪ verify the correctness of records in the bank computerized system.
▪ checking the loan documents for business customers, checking the conformity of the loan
approval according to the standard approval competencies, checking for the existence of the
necessary documents for the loan (approval, internal notices, derogations) according to the
current legislation.
▪ identifying the potential misscorrespondences inside the documentation/missing compliance with
the conditions previous to granting the loans, verifying their remediation.
▪ checking the compliance of the clauses that condition the withdrawals from the loans, respecting
the graphic of withdrawals disposed by the contract and respecting the destination of the
payments according to current legislations.
▪ recordings of specific conditions of approval / securyties / investments – in order to make the
verification on a regular basis.
▪ tracking of the way of complying to the approval conditions, maintaining the guarantees
undegraded, the evolution of the reimbursements, accomplishment of investments financed by
the loan.
▪ verification of respecting the Bank obligations according to the Conventions made with the
National Guarantees Funds.
▪ internal organization archives (both physical and electronic format).
Sector Finance / Banking
Curriculum Vitae Livia HRISCU
Page 2 / 3
EDUCATION AND TRAINING
PERSONAL SKILLS
September 2007 – April 2008 Credit Consultant
BRD Finance IFN, Iasi, www.brdfinance.ro
▪ counselling private individuals in choosing the right financial products and services (consumer
credit, credit cards etc)
▪ tracking and managing the customer portfolio
▪ finding potential customers
▪ ensure the growth of the customer portfolio and maintaining its efficiency
Sector Finance / Banking
Mai 2007 – Sptembrie 2007 Life Insurrance Advisor
BCR Life Insurance, Iasi, www.bcrasigviata.ro
Sector Finance / Banking
July 2006 – May 2007 Marketing Agent
S.C. Whiteland S.R.L., Iasi, www.whiteland.ro
Sector Comerce
Sptember 2003 – July 2006 Economist
S.C. Miss Giulia S.R.L., Botosani, www.casagiulia.ro
Sector Finance / Accountancy
September 1999 – June 2003 Economist, Marketing Specialisation
„Alexandru Ioan Cuza” University Iasi, Faculty of Economics and Business Administration
September 1995 – June 1999 Maths&Phisycs Specialisation
„Mihai Eminescu” National College Botosani
Mother tongue Romanian
Other languages UNDERSTANDING SPEAKING WRITING
Listening Reading Spoken interaction Spoken production
Engleza C1 C1 B2 B2 B2
Franceza B2 B2 B1 B1 A2
Italiana B1 B1 A2 A1 A1
Curriculum Vitae Livia HRISCU
Page 3 / 3
Communication skills ▪ good communication skills gained through my experience in commercial area and special courses of
„Communication and Negociation” in Marketing.
Job-related skills ▪ good accounting and financial analysis skills
Computer skills ▪ good command of Microsoft Office tools;
▪ basic knowledge of : SQL, SPSS 10.0.
Other skills ▪ high capacity of learning and adapting to new;
▪ seriousness, meticulous, involved, attention to details;
▪ analytical, communication skills, problem solving abilities;
▪ good teamplayer;
▪ high resistance to stress;
▪ perseverance, responsibility;
▪ sociable, dynamic;
▪ flexibility in dealing with problems.
Driving licence ▪ B/2002
Other courses ▪ 2012 - Impact Communication Techniques – Internal BRD-GSG training;
▪ 2009 - Communication and Negociation Techniques –ProExpert Bucharest;
▪ 2007 - Developing Sales Abilities – BCR Insurrance;
▪ 2007 - Customer Care – EuroCoaching Bucharest.
References References can be supplied on demand

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CV-Livia HRISCU-Engl

  • 1. Curriculum Vitae Livia HRISCU Page 1 / 3 PERSONAL INFORMATION Livia HRISCU Romania, Bucharest, District 3, 45-47th Lacramioarei Street, bl. 6-7, sc. B, ap. 68 0040-723-388.380 livia_hriscu@yahoo.com Sex Female | Date of birth 29/06/1980 | Nationality Romanian WORK EXPERIENCE November 2012 – present Credit Analyst (Back Office Business Loans) BRD-GROUPE SOCIETE GENERALE SA, Bucharest, www.brd.ro ▪ checking the component of the credit files and existence of documents in the form and the content according to the standard internal rules and current legislation. ▪ financial analysis of the business credits and other loans and submission of documents for approval according to the standard internal rules; ▪ checking the conformity of the loan approval according to the standard approval competencies; ▪ drawing up the credit and collateral contracts; ▪ setting up the credit file, both physical and electronic format and ensure the update in close liaison with internal collaborators. Sector Finance / Banking April 2008 – November 2012 Tracking and Monitoring Analyst (Back Office Business Loans) BRD-GROUPE SOCIETE GENERALE SA, Iasi, www.brd.ro ▪ making several reports (weekly/monthly/trimestrial), generating specific reports from the internal information system and external databases. ▪ interpretation of the results generated by internal computer applications. ▪ verify the correctness of records in the bank computerized system. ▪ checking the loan documents for business customers, checking the conformity of the loan approval according to the standard approval competencies, checking for the existence of the necessary documents for the loan (approval, internal notices, derogations) according to the current legislation. ▪ identifying the potential misscorrespondences inside the documentation/missing compliance with the conditions previous to granting the loans, verifying their remediation. ▪ checking the compliance of the clauses that condition the withdrawals from the loans, respecting the graphic of withdrawals disposed by the contract and respecting the destination of the payments according to current legislations. ▪ recordings of specific conditions of approval / securyties / investments – in order to make the verification on a regular basis. ▪ tracking of the way of complying to the approval conditions, maintaining the guarantees undegraded, the evolution of the reimbursements, accomplishment of investments financed by the loan. ▪ verification of respecting the Bank obligations according to the Conventions made with the National Guarantees Funds. ▪ internal organization archives (both physical and electronic format). Sector Finance / Banking
  • 2. Curriculum Vitae Livia HRISCU Page 2 / 3 EDUCATION AND TRAINING PERSONAL SKILLS September 2007 – April 2008 Credit Consultant BRD Finance IFN, Iasi, www.brdfinance.ro ▪ counselling private individuals in choosing the right financial products and services (consumer credit, credit cards etc) ▪ tracking and managing the customer portfolio ▪ finding potential customers ▪ ensure the growth of the customer portfolio and maintaining its efficiency Sector Finance / Banking Mai 2007 – Sptembrie 2007 Life Insurrance Advisor BCR Life Insurance, Iasi, www.bcrasigviata.ro Sector Finance / Banking July 2006 – May 2007 Marketing Agent S.C. Whiteland S.R.L., Iasi, www.whiteland.ro Sector Comerce Sptember 2003 – July 2006 Economist S.C. Miss Giulia S.R.L., Botosani, www.casagiulia.ro Sector Finance / Accountancy September 1999 – June 2003 Economist, Marketing Specialisation „Alexandru Ioan Cuza” University Iasi, Faculty of Economics and Business Administration September 1995 – June 1999 Maths&Phisycs Specialisation „Mihai Eminescu” National College Botosani Mother tongue Romanian Other languages UNDERSTANDING SPEAKING WRITING Listening Reading Spoken interaction Spoken production Engleza C1 C1 B2 B2 B2 Franceza B2 B2 B1 B1 A2 Italiana B1 B1 A2 A1 A1
  • 3. Curriculum Vitae Livia HRISCU Page 3 / 3 Communication skills ▪ good communication skills gained through my experience in commercial area and special courses of „Communication and Negociation” in Marketing. Job-related skills ▪ good accounting and financial analysis skills Computer skills ▪ good command of Microsoft Office tools; ▪ basic knowledge of : SQL, SPSS 10.0. Other skills ▪ high capacity of learning and adapting to new; ▪ seriousness, meticulous, involved, attention to details; ▪ analytical, communication skills, problem solving abilities; ▪ good teamplayer; ▪ high resistance to stress; ▪ perseverance, responsibility; ▪ sociable, dynamic; ▪ flexibility in dealing with problems. Driving licence ▪ B/2002 Other courses ▪ 2012 - Impact Communication Techniques – Internal BRD-GSG training; ▪ 2009 - Communication and Negociation Techniques –ProExpert Bucharest; ▪ 2007 - Developing Sales Abilities – BCR Insurrance; ▪ 2007 - Customer Care – EuroCoaching Bucharest. References References can be supplied on demand