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Olga Kvaratskhelia

Client Relationship Manager


- Regulatory Compliance                                                     - Tactical Decision Making

- Loans and Credits                                                                - Critical Thinking

- Cross-selling                                                                           - Client Satisfaction

- Credit Analysis                                                                       - Customer Service

- Commercial Banking                                                          - Process Improvement

- Large Business Lending                                                     - Interpersonal Communication

professional experience


Senior Client Relationship Manager

Sberbank of Russia

- increased the Department's loan portfolio on €50M during one year and a half in a rapidly changing environment through agressive cold-calling, persistent follow-up and relationship-based management (clientele with over €25M in exposure)

- initiated the first issue of an unpaid letter of credit in the North-Western branch of Sberbank (€20M, 7 years)

- negotiated about the complex support and financing of the first industrial park in the North-Western branch of Sberbank, organized a signing of an agreement about strategic partnership between the land's owner, future residents and Sberbank

- fuel business development by effectively cross-selling all banking products, e.g. payroll projects, deposits, cash collections, currency control, pension-funding

- contributed to the organizational work scheme between client relationship managers and credit analysts which led to 15% improvement of time management

- negotiated about the client's conclusion in the Interstate Subsidy Program for purchasers of Belorussian buses

- did some extra nonprofile work, e.g. answering questions of underwriters to quicken examination of loan application, solving payment problems with the Visa card of the business owner while she was traveling in U.S., preparing the loan conclusion for the mortgage, helping to open accounts in Sberbank-Kazakhstan 

- received award as a best client relationship manager of the quarter, May 2013 

- got promotion in April 2014 

- received the highest score on customer satisfaction poll, October 2014 


Senior Credit Analyst


- swiftly serviced loans in all types of industries, analyzed relevant financial and business information in uorder to prerpare comprehensive credit reports 

-conducted industry and marketing research as part of the credit analysis development process

- effectively monitored requirements for borrower reporting and loan covenants


Credit Analyst

Sberbank of Russia

- swiftly serviced loans in Transport and Leasing branch, analyzed relevant financial and business information in order to prerpare comprehensive credit reports

- performed historical and projected cash flow and collateral analysis

- report preparation in a precise and timely manner



Master of Science in Environmental and Development Economics

University of Oslo, Norway

Won Norwegian Educational Fund's grant for doing Master's studies at the University of Oslo, Norway. 


Bachelor of Science in Mathematical Methods in Economics

Saint-Petersburg State University, Russia



Investment Theory and Project Financing

Higher School of Economics, Moscow, Russia


British Council