Особисті дані приховані

NATALIA LOZKO
Senior Financial Analyst & Business Valuation Expert
📍 Ukraine | 📍 [відкрити контакти](див. вище в блоці «контактна інформація») | 📍 [відкрити контакти](див. вище в блоці «контактна інформація»)

PROFESSIONAL SUMMARY
Accomplished Senior Financial Analyst and Valuation Expert with over 10 years of extensive experience in business valuation, financial
modeling, and investment risk analysis. Specialized in determining the fair market value of complex business entities, intangible assets
(patents, trademarks, copyrights), property rights, real estate, and industrial machinery.
Adept at leveraging quantitative techniques (Python, SQL) to analyze large datasets, automate financial workflows, and build dynamic
forecast models for M&A, collateral lending, taxation, and strategic investment planning. Proven track record as a mentor training
junior analysts and preparing candidates for professional certification.

CORE COMPETENCIES & TECHNICAL SKILLS

Valuation & Advisory: Business Valuation (DCF, Multiples), Intangible Assets & IP (Patents, Trademarks, Copyrights), Real Estate &
Land Parcels, Machinery & Industrial Equipment, Inventory/Goods in Circulation.
Financial Analysis & Modeling: Financial Statement Analysis, Cash Flow Forecasting, Investment Risk Assessment, Capital
Budgeting, Feasibility Studies, Business Plan Development (Startups & SMEs).
Data & Financial Technology: Python (Data Analysis), SQL, Advanced MS Excel (Financial Modeling), PowerPoint, 1C, M.E.Doc,
Sonata, FreeZvit, EDZV, Outlook.
Compliance & Operations: Regulatory Financial Reporting, Tax Optimization, Cost Control, Asset Management, Contract
Negotiation.

PROFESSIONAL EXPERIENCE

Senior Business Valuation Expert & Financial Analyst | Independent Practice (FOP Lozko N.I.) (Ukraine) — 2015 – Present
Business & M&A Valuation: Conduct comprehensive business valuations for M&A transactions, corporate restructurings, joint
ventures, and buy-sell agreements using Income, Market, and Cost approaches.
Financial Modeling & Forecasting: Build multi-scenario financial models and valuation frameworks to project revenue streams,
profitability, and investment return metrics (NPV, IRR).
Intellectual Property Valuation: Perform specialized valuations of intangible assets (patents, trademarks, copyrights) and
formulate commercialization/monetization strategies for tech and corporate clients.
Investment & Startup Advisory: Author detailed business plans and investment prospectuses for corporate clients and startups to
secure bank financing and private investments.
Tangible Asset Valuation: Perform valuation of commercial/residential real estate, land plots, vehicles, and industrial machinery
for insurance, collateral, and legal dispute resolution.
Mentorship & Leadership: Mentor junior valuation analysts and interns, leading case study reviews, professional development,
and preparation for state certification.

Valuation Expert (Business, Real Estate & Tangible Assets) | RG Satellite LLC (Ukraine) — 2015 – Present
Asset Valuation & Compliance: Conduct valuation of corporate real estate, equipment, transportation fleets, and commercial
assets in full compliance with Ukrainian legislation and International Valuation Standards (IVS).
Methodology Development: Develop customized, sector-specific valuation methodologies tailored to client requirements and
unique asset characteristics.
Stakeholder Collaboration: Partner with commercial banks, insurance providers, law firms, and corporate boards to facilitate
asset-backed transactions and risk management.

Official Reporting: Deliver comprehensive, legally defensible valuation reports for regulatory oversight, tax planning, and
courtroom proceedings.

Commercial Property Manager & Financial Controller | Independent Practice (FOP Lozko N.I.) (Ukraine) — Concurrent /
Project-based
Strategic Management: Developed long-term development plans and tenant pricing strategies based on commercial real estate
market analysis.
Operations & Budgeting: Negotiated lease terms, managed vendor/contractor relationships, supervised facility maintenance, and
optimized operating budgets to maximize net rental yields.

Financial Accountant | Independent Practice (FOP Lozko N.I.) (Ukraine) — Jan 2012 – Jan 2015
Accounting & Reporting: Directed full-cycle accounting, tax reporting, and payroll management for sole proprietorships and legal
entities.
Cost Analysis & Optimization: Monitored AR/AP, analyzed cost structures, implemented compliant tax optimization strategies, and
prepared internal managerial dashboards.

EDUCATION
Master's Degree (Specialist Degree) in Finance
Academy of the State Tax Service of Ukraine | 1994 – 2001

LICENSES & CERTIFICATIONS
Certified Appraiser: State Property Fund of Ukraine (SPFU) | Directions 1.1, 1.2, 1.3, 1.7, 2.1; Expert Land Valuation
Subject of Valuation Activity: Certificate for Directions 1.1, 1.2, 1.3, 1.7; Expert Land Valuation
Financial Analysis & Management: Financial Educational Center 'Strategy'
1C: Accounting 8.2: Training Center 'Cursor'

LANGUAGES

Ukrainian: Native
English: Pre-Intermediate (Professional terminology & financial context)
Russian: Fluent