Tomas Rak

Background

About Tomas Rak

I am business oriented credit analyst. I collect and analyze business and financial data, I prepare credit requests, participate on collateral and business conditions and argue with final approval authorities. I have a lot of experiences of the whole portfolio of companies and types of financing, I am also specialist for municipal financing. My working skills and experiences are, in detail- Credit risk assessment based on business and financial analysis, future source creation and debt covering assessment of the debtor - Processing of new financing requests, annual reviews, quarterly and ad hoc monitoring reports - Negotiation with approval authorities of credit applications - Support for business place and for relationship managers with ad hoc analyses, meeting with clients and negotiating the contractual covenants and business conditions - Cooperation within the company arms such as EU point dept, Global payments, International desk, lawyers and others. Cooperation within the group (ALD, ESSOX, KB Factoring, SGEF)- Full spectrum of clients portfolio: agriculture, wholesale, engineering, EPC, SPV, construction companies, water and waste treatment, manufacturing, holding companies and others; amongst entrepreneurs I have specialization for municipal financing of cities, regions, non-profitable companies established by municipalities - Variety of financing types from S/T to L/T financing and credits: investment, working capital financing, acquisition, export, developer, EU subsidy pre-financing, guarantees, counter-guarantees, letters of credit etc- Cash-flow modeling, future debt service covering