Наталія

Nataliia Vyshnivska
Address: Kyiv, Ukraine | Mobile: Mobile number: [відкрити контакти](див. вище в блоці «контактна інформація») (messengers) |
E-mail: [відкрити контакти](див. вище в блоці «контактна інформація»)| Nationality: Ukrainian | ”B” driver’s license
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Objective

My objective is to obtain a position with gaining international experience. I am a highly energetic, committed,
responsible and responsive, motivated young professional looking for a new challenge.

Education Professional experience

2011 Master's degree in
"Finance" with honors from July 2023 - JSC “Credit Agricole Bank”, Specialist of Retail Risks Division (constant - role 2, periodically
National Ukrainian Academy nowadays role 1 as a back-up employee)
of statistics, accounting and
auditing.

Master's thesis "Financial February JSC “Credit Agricole Bank”, Specialist of Retail Risks Division (evolution of role 3)
analysis and assessment of 2022 – June In connection with Russia's military attack on Ukraine, the process of lending was temporarily
capital of PJSC 2023 stopped in 2022 (because of full scale invasion of russia to Ukraine) and retraining took place –
"Ukrnaftoprodukt" as a result - cooperation with the Collection department.
▪ Processing overdue loans of Bank customers by contacting with customers (reason
English courses at British for non-payment, availability of income, offering loan restructuring programs, etc.);
Council, English courses at ▪ After continuation the process of lending in 06/2023, carry on to proceed the
‘‘Golden Staff'' language
applications for a loans to private individual as defined below ( role 2)
centre

Languages January JSC “Credit Agricole Bank”, Specialist of Retail Risks Division (evolution of role 2)
2021 – ▪ consideration of applications for blank products (loans) of the Bank;
Ukrainian- mother tongue. February ▪ supplementing the list of significant violations by Sales Managers. Analysis of sales
English- Intermediate level 2022 managers' requests for errors and rejections. Providing recommendations on
improving methods, developing training materials for Managers to reduce the
Skills number of errors, reduce risk and improve the quality of analysis ;
OS «Windows», package MS ▪ using the conclusions of the services, comments of the Collection department, if
Office, MS Outlook - necessary, consultation with lawyers, statistical information, analysis of other
confident user. employees of the Verification Center’s team and risk – management;
Banking Software: ▪ using the information found in the applications submitted for consideration and
"Bankmaster", "Monk"," found during the analysis of the applications of high-risk Managers;
Agency , «SR-Bank »,
▪ prevention of increased risk and timely detection of fraudulent schemes;
«IOpday».
Money transfer's system: ▪ coordinate the NBU inspection process.
Aval Express, Western Union
", MoneyGram March 2019 JSC “Credit Agricole Bank”, Specialist of Retail Risks Division (evolution of role 1)
Have experience in systems – January ▪ daily formation of RCC and AFL-BLC / AFL-CC decisions, their registration;
"Client-Bank" , ‘’EMS’’ 2021 ▪ formation of tasks for revaluation of the financial condition of borrowers;
▪ agenda organization of Retail Credit Committee, Express-decision committee, Risk
Hobbies Standards and Methodology Commission (RSMC);
▪ processing of loan applications after receiving the final decision of the committees;
Ballroom dancing, playing the ▪ execution of CASA controls (2 pcs) mapping of operational risks;
fortepiano (7 years studying
▪ processing requests from branches and others;
at musical school); playing
▪ monthly report preparation to Credit Committee of CAU;
saxophone, travelling,
reading, swimming, singing. ▪ other tasks from the Head of Retail risks Division.

July 2018 – PJSC “Deloitte & Touche USC”, Audit assistant 1, Financial services industry
February ▪ Proceeding and summarizing information provided by Entity which concerned with
2019 internal control procedures;
▪ Gathering, summarizing information from mass-media concerning Entity;
▪ Gathering information from primary documents of the Entity and describing findings
into auditing file, making description in case of finding descrepancies;
▪ SPPI test related to IFRS 9 (financial instruments), population sampling, analytical
procedures for interest income of loans to customers;
▪ Observation of stock count and documented data according to audit procedures;
▪ Gathering data and forming confirmation letters to Entity’s counterparties.
Feb 2018 – PJSC “Deloitte & Touche USC”, Intern, Audit and Assurance department, FSI
Apr 2018 ▪ Proceeding information provided by customer in order to comply with the
Resolution of National bank of Ukraine #351 (regulation for measuring credit risk
generated by banks to ensure proper and timely assessment of credit risk by banks,
which will strengthen their risk management, correct calculation of capital and
improve the financial soundness of banks)
▪ Proceeding market researches (checking market prices of provisions – loan's
coverage)
▪ Calculation of economic ratios of NBU (regulatory ratios for banks )
▪ Checking and proceeding Disclosures to financial statements of banks
Oct 2017 - PJSC “Credit Agricole Bank”, Manager, servicing and lending to private individuals
Feb 2018 ▪ Client relations, handling customers and their financial transactions and requests
through bank clerical functions;
▪ Business development, bringing in new accounts to the bank;
▪ Analysis, detecting any discrepancies in the finances and reporting the discrepancies
to the proper bank's departments;
▪ Issuing and servicing loans and credit cards etc.;
Sept 2016 – PJSC “Credit Agricole Bank”, Chief Specialist, servicing and lending to private individuals
Oct 2017 ▪ Client relations, handling customers and their financial transactions and requests
through bank clerical functions;
▪ Business development, bringing in new accounts to the bank;
▪ Analysis, detecting any discrepancies in the finances and reporting the discrepancies
to the proper bank's departments;
▪ Issuing and servicing loans and credit cards etc.;
Dec 2013- PJSC “Credit Agricole Bank”, Chief Cashier of the Operation Cash-Desk
Sept 2016 ▪ Client relations, handling customers and their financial transactions and requests
through bank clerical functions; cash transaction handling; receiving payment by
cash, credit card, money transfer's systems etc; checking daily cash accounts;
maintaining monthly, weekly and daily report of transactions
May 2012 –
PJSC “Unex Bank”, Cashier of the Operation Cash-desk
Dec 2013
▪ Client relations, handling customers and their financial transactions and requests
through bank clerical functions; cash transaction handling; receiving payment by
cash, credit card, money transfer's systems etc; checking daily cash accounts;
maintaining monthly, weekly and daily report of transactions
June 2011 – PJSC “Raiffeisen Bank Aval”, Cashier of the Operation Cash-desk
May 2012 ▪ Client relations, handling customers and their financial transactions and requests
through bank clerical functions; cash transaction handling; receiving payment by
cash, cheques, credit card, money transfer's systems etc; checking daily cash
accounts; maintaining monthly, weekly and daily report of transactions