Freelancer  in  business training and personal development  workshops           October 2012   -present                                                                      
Associate Consultant/Tutor – Accounting , Lecturer with HRODC- Post graduated Training Institute  London

Senior Credit Analyst and Prepaid Credit Card Expert
Senior Business Trainer/Lecturer                                                             August 2007 to September 2012
ERSTE BANK-BCR , Operations and Mortgage Department – Bucharest, Romania

Credit Controller Senior Specialist                                               October 2003 to July 2007                           ERSTE BANK –BCR , Bucharest Branch , Romania
Accomplishments
Increased revenue by 50% in 6 months by determining credit limits for new clients.
Boosted company performance by devising new procedures for handling changes to clients’ records.
Sustained low credit application processing time while protecting Bank from higher risk.
Decreased Bank’s risk exposures by applying procedures for clients portfolio review and conducting review every 6 months.

BCR-Romanian Commercial Bank – Bucharest, Romania
Accomplishments
Managed a team of 12 that established the increasing of cards and personal account sales -acting as a lead   worker,schedule workflow, train and coach.
Successfully launched and marketing  Euro<26 Card project in BCR –a card for youth and students with multiple benefits at various  partners as well as free of charge.
Increased the number of online banking products users with 50% in 6 months offering comfort , confidence and free time for the clients as well as profitability for the Bank.

Senior Private Banking Relationship Manager                                              October 1995 to February 1998

BCR-Romanian Commercial Bank – Braila Branch, Romania
Accomplishments
Increased profit margin with  20% in one year by selling the core products that most effectively meet the customers needs.
Delivered and coordinated cross-selling activities of relevant businesses and increased the revenue generated portfolios by 10 % in 6 months.
Delivered enhanced procedures and processes that support the ever- changing organizational design.

Account Manager                                                                                       May 1991-September 1995            
BCR-Romanian Commercial Bank – Braila Branch , Romania 

The Academy of Economic Studies-ASE, The Faculty of Marketing   ,   Bucharest, Romania                2002- 2006
Marketing Economist- High School Diploma
• The Romanian Banking Institute Bucharest    , Banking Field    ,          Bucharest, Romania        1999-2002
Banking Economist-High School Diploma                                                                
The Economic and Administrative Law High School     ,     Accountant Diploma, Bachelor Degree         1981-1985    
 •Licensed Trainer-CNFPA and The Ministry of Education
Foreign language       English-advanced          Romanian-mother tongues       

 在美国时间长，英语口语好，气质好。