Financial markets
Balázs Schubert
Credit And Trade Loan Analyst
Budapest
Summary
Analytically-driven and results-oriented Credit Analyst with expertise in assessing and managing credit risk across diverse industries. Proven track record of delivering accurate and insightful credit evaluations, optimizing portfolio performance, and ensuring regulatory compliance. Adept at conducting thorough financial analyses, collaborating with cross-functional teams, and providing strategic recommendations to drive sound decision-making. Known for strong problem-solving skills, attention to detail, and effective communication, contributing to the overall financial health of organizations. Seeking to bring my skills and experience to a dynamic team where I can contribute to the success of credit operations.
Overview
4
4
years of professional experience
9
9
years of post-secondary education
1
1
Language
Work History
Credit and Trade Loan Analyst
BP BSC Kft.
05.2023 - Current
- Obtaining and reviewing credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Conducting in-depth financial analysis to evaluate creditworthiness of individuals and businesses.
- Managing the portfolio of Switzerland, Austria and the Balkans, including Greece and Romania
- Providing credit recommendations based on comprehensive analysis, contributing to effective decision-making processes.
- Collaborating with sales, finance, credit control team to optimize credit terms and conditions for clients.
- Ensured adherence to industry regulations and company policies in all credit-related processes.
- Conducted regular audits to confirm compliance and implemented corrective measures as necessary.
- Successfully resolving credit-related issues, improving overall portfolio performance.
- Implementing proactive strategies to mitigate potential risks and minimize delinquency rates.
Junior Credit and Trade Loan analyst (CONTRACTOR)- Fixed Term
BP BSC Kft.
01.2023 - 04.2023
- Financial analysis of counterparties based on balance sheet and income statement
- Perform regular and event driven credit assessments
- Calculate financial ratios, credit risk rating, credit limit and analyze profitability and payment performance in order to evaluate creditworthiness of companies
- Reject, approve trading with a company or propose risk mitigation solutions
- Explain financial situation of companies
- Communicate with sales regarding financial information, and forecasts of the customers
- Use SAP to monitor payment performance, payment terms and to change credit limits, and validity.
Junior Credit Analyst (intern)
BP BSC Kft.
06.2022 - 12.2022
- Financial analysis of counterparties based on balance sheet and income statement
- Perform regular and event driven credit assessments
- Calculate financial ratios, credit risk rating, credit limit and analyze profitability and payment performance in order to evaluate creditworthiness of companies
- Reject, approve trading with a company or propose risk mitigation solutions
- Explain financial situation of companies
- Communicate with sales regarding financial information, and forecasts of the customers
- Use SAP to monitor payment performance, payment terms and to change credit limits, and validity.
Finance trainee
Bethlen Gábor Alapkezelő Zrt.
05.2021 - 05.2022
- print and collect invoices
- ad hoc tasks
- participating in the monthly close-ends
Finance Intern
National Research, Development and Innovation Office
10.2020 - 12.2020
- Data record, scan and print
- Administrational tasks
- Support in quarterly financial prognosis.
Finance Intern
EITH Health lnnostars
02.2020 - 03.2020
- Data record, check, categorize and upload invoices
- Print and scan documents
- Monitor, differ and collect tenders in Hungary
- Search additional information from websites about the companies which had tenders in the past 5 years
- Make diagrams, tables for the tenders to categorize and compare each other.
Education
Kispesti Deák Ferenc Gimnázium
01.2014 - 01.2019
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ELTE-GTK Business Administration and Management
01.2019 - 01.2023
Masters - Finance
ELTE GTK
Budapest 04.2001 -
Skills
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Other
B2 Driving license
Interests
Gaming
Sports
Timeline
Credit and Trade Loan Analyst
BP BSC Kft.
05.2023 - Current
Junior Credit and Trade Loan analyst (CONTRACTOR)- Fixed Term
BP BSC Kft.
01.2023 - 04.2023
Junior Credit Analyst (intern)
BP BSC Kft.
06.2022 - 12.2022
Finance trainee
Bethlen Gábor Alapkezelő Zrt.
05.2021 - 05.2022
Finance Intern
National Research, Development and Innovation Office
10.2020 - 12.2020
Finance Intern
EITH Health lnnostars
02.2020 - 03.2020
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ELTE-GTK Business Administration and Management
01.2019 - 01.2023
Kispesti Deák Ferenc Gimnázium
01.2014 - 01.2019
Masters - Finance
ELTE GTK
04.2001 -
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