Олена

OLENA KOVALCHUK

Kyiv, Ukraine
Mob. Number, WhatsApp: [відкрити контакти](див. вище в блоці «контактна інформація»)
e-mail: [відкрити контакти](див. вище в блоці «контактна інформація»)

Successful banking track record spread over 20 years, expanding commercial and corporate customer portfolios in various banks focusing on diversified economy sectors.

Corporate banking/ Corporate lending/ Sales/ Business development/ Relationship manager

CORE SKILLS:
• Ability to identify and develop business opportunities with corporate clients
• Ability to build relationship with clients and in particular, with key decision makers
• Technical and behavioral capabilities and ability to work efficiently with Business Lines of the bank
• Extensive knowledge of bank products and risk
• High degree of independence and self-motivation, proactive, business-driven, result-oriented

PROFESSIONAL EXPERIENCE

November 2025 - until now: Private Ukrainian bank , Kyiv, Ukraine
Senior Sales Manager, Corporate Clients department

April 2025 - July2025 - JSC “Bank Pivdenny”, Kyiv, Ukraine
Head of Projects, Large Corporate Clients department

Senior Sales Manager, Corporate Clients department

2023 (April - October): “Royal Bank of Canada” , Toronto, ON, Canada.
Relationship Manager Intern, Commercial Financial Services.
• Mid-market business portfolio and relationship management specializing in Mining and Business Professional services, Internship

2021 – 2023: JSC “State Savings Bank of Ukraine”, Kyiv, Ukraine.
Deputy Head of Sales Division, Corporate Business Department.
• Commercial relationship manager with a current loan portfolio in excess of USD 50 mn. Responsibility for all underwriting and financial analysis of commercial applications for large corporate clients (with annual revenue exceeding USD 30.0 mn).
• Acquisition of new corporate clients (local and international) and sales of banking products to them: cash-management, all types of financing, documentary products, cross-sales of retail products (salary projects, cash collection and other);
• Management of the existing corporate clients portfolio: development of long-term partnership strategy with clients via individual approach and increase of its profitability and loyalty; advising of clients on all corporate banking products;
• Financing projects initiation and full implementation from indicative offer until the disbursement of the loan and its repayment, including deal structuring, limit applications preparation (description of clients business and market, credit analysis, presenting of applications on Credit Committee, coordination of CC decision implementation in collaboration with legal and risk departments);
• Annual credit reviews, prolongation, modification and restructuring requests processing, monitoring of financial and commercial covenants fulfilment in frame of the signed agreements, customer support on a daily basis.
• KYC, financial monitoring and compliance issues resolving by account opening and transactions.

2019 – 2020: JSC “Piraeus Bank ICB”, Kyiv, Ukraine (Piraeus Financial Holding, Greece).
Senior relationship manager, Large Corporate Clients Division.
Responsibilities - similar to the above mentioned in JSC “Oschadbank”.

2019 (April-October): JSC “West finance and credit bank”, Kyiv, Ukraine.
Head of International Clients acquisition unit.
Responsibilities - similar to the above mentioned in JSC “Oschadbank”.

2016 – 2018: PJSC “Raiffeisen Bank Aval”, Ukraine, Kyiv (Raiffeisen Bank International, Austria).
Leading relationship manager, International clients servicing and trade finance department.
• responsible for the multinational clients portfolio (diversified business industries: Agriculture/IT/ Food/ FMCG /Oil and Gas/ Retail/Commodity trading /Pharmaceuticals and Medicine/Automotive/Real estate and other);
• new clients acquisition, sales of all banking products, profitability monitoring under existing portfolio;
• daily support of all the requests and development of the relationship: KYC matters, cash management, FC control, RFPs, financing, documentary and other products;
• lending projects realization (limit applications preparation and presenting on the Credit Committee, communication with PAMs (parent account managers, responsible for international groups in RBI HO, Austria) regarding limits approval, coordination of the deal implementation).

2016: PJSC “ING Bank, Ukraine”, Kyiv, Ukraine (member of ING Group, Netherlands).
Senior lending manager – credit analyst of Corporate lending department.
• responsible for loan portfolio exceeding USD 100.0 mn, including syndicated loans; credit applications/ modification requests/ annual reviews preparation (credit analysis on the basis of UAS and IFRS financial statements, business and market of clients due diligence);
• advising of clients on all kind of credit-related matters;
• coordination of credit committee decisions implementation in cooperation with RMs, lawyers, middle – and back-office;
• financial covenants fulfillment monitoring;
• work on syndicated loans and club deals: processing of agents requests, cooperation with the lenders, lawyers and consulting partners in frame of the intercreditor and loan agreements;
• work with watch-list and problem loans accounts: restructuring schemes initiation and consideration of the external advisors proposals, participation in lenders meetings, close coordination of the projects development in collaboration with the RMs and restructuring managers, sale of debts coordination;
• reporting to management on loan portfolio status and pipeline.

2010-2016: PJSC “Credit Agricole Bank”, Kyiv, Ukraine (Credit Agricole Group, France).
Senior relationship manager of Corporate business department.
• sale of full range of banking products to the existing and potential corporate clients (large and mid-corporate clients);
• initiation and coordination of relationship with corporate clients within the Bank on daily basis;
• monitoring and optimization of the profitability under the clients portfolio;
• management of lending projects: origination, implementation and monitoring until full repayment, incl.:
- client’s market environment analysis
- credit analysis on the basis of UAS / IFRS financial statements
- structuring of the deal and its approval (credit application preparation and presenting of the project on Credit Committee)
- preparation and signing of agreements package
- monitoring of the project: fulfillment of pre-conditions, covenant and other agreements conditions.
- annual reviews and modification requests processing.

PRIOR WORK EXPERIENCE (IN BRIEF)

2008-2010: PJSC "Universal Bank", Kyiv, Ukraine (member of EFG Group, Greece).
Corporate Banking Relationship manager.

2006-2008: PJSC “OTP Bank”, Kyiv, Ukraine (OTP Group, Hungary).
Manager in Corporate lending department.

2001-2006: PJSC "Pravex Bank", Kyiv, Ukraine.
Head of Legal entities lending division.

EDUCATION

Master’s degree, faculty “Management”, qualification “Economist-manager” (Kiev National Linguistic University, Ukraine, 1997-2002).