Dana Ruse

Experienced banking professional with over 15 years in underwriting, credit risk analysis, and team management within the Corporate and SME sectors. Proven track record in providing independent credit risk opinions, evaluating complex financial structures, and identifying industry-specific risk factors. Dedicated to maintaining a prudent risk culture and ensuring compliance with regulatory and internal standards while supporting sustainable business growth.

Underwriting Manager at Garanti Leasing (2023-04 – Present)

• Actively participate in Credit Committee discussions, presenting comprehensive risk assessments and independent credit opinions.
• Credit file validation, terms and approval conditions.
• Detailed analysis for each financing transaction and proposal for adjustments, where the case.
• Team management.
• Improvement process of the file analysis (e.g. automatization of financials processing process).
• Monitor compliance with internal credit risk policies and contribute to the continuous improvement of credit risk practices.
• Collaborate closely with the Sales and Business teams to structure financing proposals, balancing sustainable business growth with prudent risk management.

Senior Corporate Underwriting Officer at OPT Bank (2017-08 – 2023-04)

• Evaluating credit proposals for potential/existing Corporate customers of the Bank by analysing all terms and conditions related to financing structure for each transaction, evaluating the business plan of the customers, checking the evolution of the company in time, analysing cashflow-projections and related assumptions.
• Issuing risk opinion for credit proposals.
• Monitoring the implementation of the approved loans and the customers' overdue debts.
• Monitoring the covenants proposed or additional covenants approved in the credit committee.

Commercial and SME Underwriting Coordinator at Garanti Bank SA (2014-03 – 2017-08)

• Evaluating especially credit proposals higher than EUR 400,000, issuing written risk opinion and presenting the proposal to the superior level as per competences for small and medium companies with annual turnover up to EUR 10 Mio.
• Issuing credit decisions for credit proposals with maximum exposure EUR 300,000, out of which EUR 150,000 collateralised with cash collateral, of the entire team.
• Making the files prioritization and monitoring the response time for every credit proposal of the entire team.
• Monitoring the customers with DPD for less than 30 days and of covenants marked in the approval form.

Commercial and SME Underwriting Officer at Garanti Bank SA (2010-03 – 2014-03)

• Checking and evaluating the creditworthiness of borrowers and their repayment capacity in connection with the proposed transaction.
• Checking the analysis performed in the customer's credit file from media companies and SME segment and obtain further information from external sources.
• Analyzed the economic environment and allocated industries, identifying key industry-specific risk factors and recommending appropriate risk mitigation measures.
• Issuing credit opinion on the appropriateness and credit risk proposed credit transaction.
• Ensuring the provision of ongoing support and advice of a professional commercial staff within the branch network.

Corporate Officer at Intesa San Paolo Bank (2008-07 – 2010-03)

• Meeting the customers in order to present the bank products and understanding the need of the customers in terms of credit facilities.
• Collecting all necessary documentation in order to open the current account and to prepare the credit file.
• Sending the file to a specialized department in order to be analysed and implementing the credit approval.
• Monitoring customers with overdue debts to the bank and the reimbursement of the credit facility in time.

Teller at Intesa San Paolo Bank (2007-04 – 2008-07)

Performed operations in domestic and foreign currency, managed saving accounts, and successfully promoted and sold products for both individual and corporate customers.

Master Degree in Banks and Insurance | Finance, Insurance, Banking and Stock Exchange. Thesis Title: "Credit risks" (2007 – 2009)

Faculty of Business Administration in foreign languages (French) – Academy of Economic Studies (2003 – 2007)

– High School "AL.D.Ghica", Alexandria (1999 – 2003)