Vera Lutay Resume

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Vera Lutay is looking for a Banking & Coop job in Limassol, Cyprus.

Candidate Info
Name
Vera Lutay
Gender
Female
Age:
54 years old
Marital Status:
Single
Children:
1
Country Of Origin:
RUSSIA
Last Updated:
16/04/2018
Residence / Contact Details
Address
4531, Moutagiaka tourist area, Kosta Monti, 26, Limassol, CYPRUS
Professional Experience

10/2010- 03/2017                     RCB Bank Ltd, Cyprus, Limassol, Head of Commercial Business Department

  • Commercial and fiduciary lending.Supervision of personnel

Preparation of various reports for management

  • Checking and authorization of SWIFT messages and entries in the banking system
  • Supervision of  client accounts openings
  • Supervision of “know your customer” and due-diligence procedures in respect to client payments; compliance with CBC’ requirements and Directives for Anti Money laundering regulations with respect to client’s transactions

Communication and handling of correspondence with customers on matters related to customer’s transactions, balances of accounts, internal rates

  • Structuring and execution of own risk loans and fiduciary lendingin various international jurisdictions:

o   Preliminary negotiations of terms with existing and perspective clients

o   Initial coordination of eligibility of new projects with other Bank’s departments incl. compliance, risk, legal, settlements.

o   Obtaining and analysis of the financial statements and all other appropriate information from the client ;

o   Credit analysis of the repayment ability of the client and preparation cash-flow models ; Collateral structure negotiating;

o   Presentation and approval of projects at Credit committee

o   Preparation and finalization of project documentation with a client and approval of the documentation with legal department

o   Interaction with external legal solicitors concerning various international jurisdictions: BVI, Russia, Belize, the Netherlands and others.

o   Review of collateral valuation reports

o   Monitoring of financial performance of borrowers/guarantors

o   Monitoring of covenants

o   Execution of prolongations, amendments, restructuring for loans granted

o   Monitoring of timely repayments

04/1999 – 05/2010                   JSCB “ROSBANK” Moscow, Head of Non-financial Institution Credit Risk Analysis Sub-division Unit of Credit Risk Analysis Division of External Risks Analysis Department;Senior Vice-President

01/1998 - 31/03/1999               JSCB “UNEXIM BANK”Moscow, Chief Expert of Project Financing Sub-division Unit of Investment Credit Division,Deputy Head of Second Branch Credit Sub-division Unit of Credit Division;

02/1994 - 12/1997                    JSB “Business Development Bank”Moscow, Deputy Head of Credit Operations Division;

02/1993 - 31/01/1994               CB “Centrocredit”Moscow, Expert of Credit division.

Qualifications

09/1988-07/1993                      Moscow Financial Institute (Russian Federation Government’s Financial Academy), Credit and Economic Faculty

09/2008-09/2010                      MBA in Federation Government’s FinancialAcademy

09/2015– Present time              ACCA(Association of Chartered Certified Accountants) – F5

Skills

Skills

• Strong verbal and written business communication
• Decision making, critical thinking, organizing and planning.
• Tolerant and flexible to different situations

Software proficiency

Knowledges

Advanced knowledge of Microsoft Windows and Office package (Word, Excel, Access, PowerPoint, FrontPage and Outlook).

Moody’s risk analyst program, T24 (Core Banking System), Docvision (Electronic circulation system).

Online banking system of payments RCB, VTB Germania, SG, ING

Cyprus Company Law, Central Bank Directives and requirements concerning banking lending, Payment Settlements, Corresponding Banking,  back office functions, Coordinated with front office managers.
Suggested and outlined processes for manual operations.
Evaluated Administration functions and purchasing functions.
Outlined organization structure and innovated performance management

Languages

Russian – native, English – fluent, French-fluent, Greek- start to learn.

Education

09/1988-07/1993                      Moscow Financial Institute (Russian Federation Government’s Financial Academy), Credit and Economic Faculty

09/2008-09/2010                      MBA in Federation Government’s FinancialAcademy

09/2015– Present time              ACCA(Association of Chartered Certified Accountants) – F5

Affiliations

sun 21 yars old

mother

Interests

reading, mountain skiing, swimming, tennis, walking with dogs              

References

1) Vladimir Zrazhewski (+35797887155)

Deputy CEO of RCB Bank LTD

2) Svetlana Kalogera (+35799213861)

RCB Bank LTD, Head of International Business  Devision

3) Elena Shpagina (+35799723554)

RCB Bank LTD, Head of Back Office