Simona Ermis - Gradul 1

Managerial experience of twenty-two (22) years in different senior positions, being a leader who can develop and motivate teams to achieve results, with strong ability to manage projects/processes/activities/ changes from the conception phase through to the successful completion. Proven capability in building and leading winning sales teams to drive growth and execute strategies that support the company's vision, whilst leading excellent support towards business sustainability and satisfaction, acting with a can-do attitude, essential for any organization that values sustainability and growth as critical keys of success. A proactive individual with a logical approach to challenges, to perform effectively even within a highly pressurised working environment and enjoy driving new improvements.

Advised by National Bank of Romania to exercise the risk activities functions (5 times)

Legal Entities Credit Risk Assessment Director - PATRIA BANK - Bucharest, Romania (2024-02) - Coordinate credit risk assessment activity for Corporate, Agro & Food, SME & Micro clients and counterparty risk ratings and credit limits - Controlling Business portfolio delinquency, assessing the loans quality in accordance with the internal credit policies and regulatory framework - Development and refinement of credit policies, rating models, risk profiles, procedures and strategies to enhance the company's risk management in accordance with NBR regulations Head of Project Management - LIBRA BANK - Bucharest, Romania (2023-02 - 2024-01) - Organizes the IT project implementation activity at the bank level by defining the procedural framework, project methodology for allocation resources in project teams (introducing Agile Coach concept into organisation) - changes at bank level, proposing and following the implementation of solutions - Ensure appropriate communication with all internal and external stakeholders regarding impacts to scope, status, and budget Chief Financial Officer - MORAD GROUP (2022-10 - 2023-02) - Coordinating finance and accounting teams of the group companies - Overseeing financial planning & analysis, functions, ensuring revenues and expenses, mergers and acquisitions - Coordinating the funding from banks/ EU Funds, dealing with the banks - Proposing/reporting/project management to the boards of directors of the group companies and with the CEO's on strategy Executive Risk Director - Banca Romaneasca - Bucharest, Romania (2020-01 - 2022-10) Coordinator of the Bank's risk management function - Responsible for Corporate, SME & Retail (Micro and individuals): underwriting as well restructuring, collection and recovery of classified / distressed loans - Participates actively in the meetings of the Bank's Committees (member) to fulfil the Bank's objectives in the area of responsibility of risk management (including ESG) - Implement strategic directions of risk management for Corporate, SME & Retail clients in accordance with provisions of NBR and internal norms, regulations, etc., in order to maintain long-term banking efficiency by achieving an adequate level of risk indicators - Ensures the management of risk projects specific to its area of responsibility (requirements of CRD IV and Basel III regulations) Head of Credit Division - First Bank Romania (former Piraeus Bank Romania) - Bucharest, Romania (2016-04 - 2020-01) Maintain a satisfactory level of the Bank's credit portfolio quality - Coordinate credit risk assessment activity for Corporate, SME & Micro, Retail clients, credit fraud prevention, credit policy. ESG officer - Controlling Business portfolio delinquency, assessing the loans quality in accordance with the internal credit policies and regulatory framework - Development and refinement of credit policies, rating models, procedures and strategies to enhance the company's risk management in accordance with NBR regulations - Development of credit metrics system based on industry KPIs to provide recommended counterparty risk ratings and credit limits Deputy Head of Corporate & SME Credit Division - Piraeus Bank S.A.

• Romania (2015-05 - 2016-03) - Coordinate credit approval & risk assessment for Corporate, SME & Micro clients Credit Risk Assessment Manager - Credit Division - Piraeus Bank S.A.
• Romania (2006-03 - 2015-04) Area Sales Manager - Corporate Banking Division - OTP Bank Romania S.A. (previously ROBANK S.A.) (2004-11 - 2006-02) Branch Manager - OTP Bank Romania S.A (2003-04 - 2004-10) Credit & Marketing Manager- Credit Department - ROBANK S.A.
• Romania (2003-01 - 2003-03) Credit & Relationship Manager - ROBANK S.A.
• Romania (2001-02 - 2002-12) Relationship Officer - Romanian Turkish Bank - Romania (2000-06 - 2001-01) Internal Auditor - Romanian Turkish Bank - Romania (1998-08 - 2000-05) Credit Officer - Romanian Turkish Bank - Romania (1996-12 - 1998-07)

PHD - Faculty of Management - The National University of Political Studies and Public Administration (2021)

Business Administration Degree - MBA - Academy of Economic Studies (2003 - 2005)

Academy of Economic Studies (1990 - 1995)