CRISTINA SANDU

8766 Kentville Street, Riverside, California 92508

951 653 8814
951 329 7116
sandu.cristina@rocketmail.com

FINANCIAL ANALYST - CORPORATE CREDIT ANALYST

KEY QUALIFICATIONS
Proactive and analytic management professional offering qualified experience in
project management, financial analysis, banking services, installations, payment
processing and account/process auditing within the banking services industry. U
tilize innovative internal enhancements to effectively reorganize, streamline, a
nd strengthen financial operations to maximize performance and profitability. Re
spond to operational and financial challenges with confidence, determination and
focus.
- Driving prudent revenue growth and offering expert financial counsel to
key business decision-makers in multinational European banks with expertise in e
xploiting innovative technologies, refocusing on continuous improvement and reen
gineering existing banking processes
- Achievement-oriented financial professional with diversified experience
in payments and warranties in international trade
- Comprehensive understanding of financing importing and exporting loans s
ecured by international warranties, including export insurance policy
- Adept at facilitating business requirements analysis
- Excellent multi-tasking and organizational aptitude with proven ability
to influence business partners
- Articulate communication skills with fluency in English and Romanian lan
guages

Key Strengths:
- Strategic Financial & Business Planning
- Regulatory Compliance
- Internal Financial Controls & Budgeting
- Cash Flow Management
- Advanced Concepts in Financial Management
- Variance Analysis
- Budget Management
- Process Reengineering
- Business Requirements Analysis
- Data Management

Technical Applications:
Operating Systems Windows Professional 7, Windows Vista , Windows XP
Software / Applications Microsoft Office (Word, Excel, PowerPoint, and Visio), M
icrosoft Project, and different internal banking/financial applications

CAREER PATH
PIRAEUS BANK ROMANIA S. A. – ROMANIA
CREDIT ANALYST (OFFICER) – CREDIT RISK ASSESSMENT DEPARTMENT, HQ BUCHAREST MAR 2008
-APR 2009
- Posted at Transylvania area with 16 branches and received completed docu
mentation of long- and short-term loans and LGs, and memorandums of approval/rej
ection
- Analyzed documents as member of Credit Committee and decided on the appr
oval/defiance based on bank policy on loans in amounts above EUR 25,000, but les
s then EUR 5,000,000
- Examined annual credit reviews of approved facilities
Highlights:
- Competent member of the Credit Committee tendering decisions on loans am
ounting to EUR 250,000
- Analyzed monthly average of 45 files amounting to EUR 33,200,000 in tota
l products/ services

CREDIT EUROPE BANK ROMANIA S. A. (FINANSBANK S. A. ROMANIA) – BRASOV BRANCH, ROMANIA
CREDIT ANALYST – SMES CREDIT RISK DEPARTMENT, BRASOV BRANCH NOV 2006-MAR 2008
- Performed marketing and selling of banking products such as SMEs loans,
LGs, and LCs
- Accepted documentation of short- and long-terms loans, LGs, memorandums
for approval/denial from marketing department; analyzed credit reviews of the pr
eviously approved facilities on a yearly basis
- Participated in the approval/denial of requested products/ services amou
nting up to EUR 50,000 as branch’s committee member on decision-making
- Submitted loans over EUR 50,000 to Credit Committee Head Office
Highlight:
- Efficiently analyzed loans/ LG files by overseeing and maintaining appro
ximately 225 corporate client’s portfolio with an exposure of EUR 16,526,863 in Marc
h 2008

OTHER POSITIONS HELD

EXIMBANK ROMANIA S. A. – BRASOV BRANCH
ANALYST AUG 2002-NOV 2006
TELLER JAN-AUG 2002

AWARDS AND HONORS

Best Member / Best Project Manager of the Year (1998), Association International
e des Estudiantes en Sciences Economiques et Commerciales (AIESEC)
Awarded as "The person with the best communication skills from the total of 20 p
articipants", in August 2008 Communication Skills Seminar, at Piraeus Bank Roman
ia

EDUCATION
2009-1040 Financial and CTEC Registered Tax Preparer, 2009
- Certificate of Completion and Registration with CTEC, with #A180362 (val
id until October 31, 2010)
Master of Science in Management (2005-2007)
- Transilvania University of Brasov, Romania
Earned 3.55 GPA (based on IERF #S09-05435/August, 2009 credentials)
Bachelor of Science in Management (1997-2001)
- Babes-Bolyai University of Cluj-Napoca, Romania
Earned 3.23 GPA (based on IERF #S09-05435/August, 2009 credentials)

Career Development:
- Training on negotiations, long term financing, principles and techniques
in long term financing, and communication among others – EXIMBANK Romania (2002-200
6)
- "Principles, Methods, and Techniques in Crediting Economic Agents " – Romani
an Banking Institute (Feb-May 2002)
- Attendance Certificate of Program "Payments and warranties in the intern
ational trade" (May 2006)
- Attendance Certificate at seminary “Risk Management" – COFACE Romania (Oct 2006)
- Intensive training in corporate applications analyses, communication, ne
gotiation – Credit Europe Bank (2007)

PROFESSIONAL ACTIVITIES
Project Manager for different association projects at Association Internationale
des Étudiants en Sciences Économiques et Commerciales (AIESEC) Cluj-Napoca, Romania (
1997-2000)
- Member in other projects such as "Careers Day" in 1998/1999 and "Interna
tional Exchange of Students" in 1999/ 2000
- "How we prepare to be a successful business person/ manager," organized
with the support of Mr. Nikos – an MBA with graduation in Management in USA, and of
fered to Babes-Bolyai University - Economic and Business Faculty, 1999
- "Managers for Tomorrow" organized and supported by local major company m
anagers and offered to senior students of Babes-Bolyai University at Cluj-Napoca
, Romania in 1998