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Sani
@sani_banking_re
SME Credit Consultant B2B Financial Narrative Expert
Turquia
Inglês, Turco
Sobre mim
Retired Corporate Banking and Credit Underwriting Executive with over 20 years of experience in financial analysis, commercial credit evaluation, and refinancing structures. Having managed complex risk assessment processes from the lender's perspective, I know exactly what credit committees look for.
Now, I help international SMEs and startups refine their business credit narratives, pitch documents, and financial applications to ensure they present a strong, low-risk, and credible case to lenders.
Habilidades
Sani
offline •
Conheça meus serviços
Consultoria de Empréstimos
I will review, optimize your business credit and refinancing pitches
Experiência profissional
Banks
Período integral • 20 yrs 9 mos
Vice President of Credit Analysis and Allocation
Nov 2021 - Apr 2023 • 1 yr 5 mos
Directed the comprehensive analysis of financial stability and creditworthiness for a diverse portfolio of corporate borrowers, defining precise terms to minimize institutional risk. Managed the implementation and ongoing adjustment of internal credit rating systems, ensuring accuracy throughout the entire loan lifecycle. Provided strategic leadership and mentorship to a team of dedicated credit managers and analysts. Served as a key liaison for internal, annual, and regulatory supervisory audits, ensuring full compliance and operational transparency. Oversaw the continuous monitoring and risk classification of the loan portfolio, covering all stages from early warning signals (Watch/Pre-Watch) to non-performing loans (NPL). Executed complex debt restructuring processes, managing the full cycle from negotiation and transaction structuring to legal documentation and final closing. Contributed to high-impact strategic projects aimed at business transformation, including the development of advanced Early Warning Systems.
Exclusive Restructuring Advisory Manager & Corporate Banking
Aug 2002 - Dec 2021 • 19 yrs 4 mos
Led the end-to-end execution of complex corporate and investment banking debt restructurings, managing the entire lifecycle from initial negotiation to final transaction closing. Coordinated multi-disciplinary external and internal teams, including financial auditors, legal counsels, and technical advisors. Conducted deep debt sustainability reviews and cash flow projections, leveraging extensive expertise in corporate balance sheets, P&L statements, and insolvency frameworks. Evaluated comprehensive valuation reports regarding both overall enterprise value and critical asset collateral. Drafted strategic internal documentation and risk assessments for credit committee approvals. Oversaw the post-approval implementation and compliance tracking of approved financial restructuring proposals. Acted as the lead coordinator for consortiums of syndicated banks, aligning multiple financial institutions, legal experts, and advisory teams on joint projects.
