Enkhjin Altangerel
Summary
Early detection analyst with deep expertise in identifying, evaluating, and mitigating financial and credit risk.
Adept at monitoring loans and analyzing financial statements, with a Strong focus on team collaboration. Known for reliability, critical thinking, and time management.
Overview
6
6
years of professional experience
Work History
EARLY DETECTION ANALYST
CREDIT RISK DEPARTMENT, KHAN BANK
05.2023 - Current
- Prepare a report on the Early Warning System of the whole bank and present it to the Credit Risk Committee on a monthly basis
- Monitor and detect business loans that could potentially default through Early warning alerts by using internal and external sources and add those borrowers to ‘The Watch list’
- Prepare Early Detection analyst opinion while assessing business risk, management risk, financial risk, credit structure risk, and collateral risk of the borrowers that are included in ‘The Watch list’
- Prepare an action plan for each of the borrowers that are included in ‘The Watch list’ and provide it to the branches that are responsible for the borrowers to prevent them from defaulting on their loans
- Prepare a list of business loans and borrowers that should be ‘annually reviewed by the branch
- Monitor and unify the ‘annual review’ results done by the branch and prepare an ‘annual review’ report to be presented to the Board Risk Committee
- To provide assistance to the examination process when there are external examinations on the project loans. For example: the Bank of Mongolia
- Constantly monitor loans and borrowers that are included on ‘The Watch list’ to assess if they have been compliant with the action plan and if necessary provide opinion on whether the internal LLP should be increased on the particular loan/borrower
- Prepare business requirement documents for the automation of the Early warning system and annual review processes
- Analyze specific loans LLP through cash flow forecasting and collateral valuation
OFFICER
CREDIT RISK DEPARTMENT, KHAN BANK
06.2020 - 05.2023
- Prepare monthly reports on Credit committee decisions
- Analyze Loan proposal Risk rating to ensure that they are properly assigned to correct Credit committee
- Ensure that all Loan Proposals are compliant to Banks credit Procedure and in line with Central Banks Credit Policy
- Assist the Credit committee Chairperson and members to ensure the decisions made by them are fully compliant with the Banks credit procedures
- Assist the Chairperson of the Credit committee with correct materials and provide credit procedural information
- Assist with the communication of the Credit committee with other units of the Bank Review Loan Proposals to ensure there are no mistakes with the materials
- Conduct Head office Credit committee, Head office Sub Credit Committee meetings
- Prepare materials for the Credit committee meetings
- Write Credit committee meeting minutes
- Prepare and convey Credit committee decisions to other units of the Bank
CREDIT SPECIALIST
BUSINESS CENTER, BOGDBANK
04.2019 - 06.2020
- Meet with the clients to obtain information for loan applications and to answer questions on the process
- Analyze and research the client’s financial status, creditability to determine the feasibility of granting loans
- Analyze and research the client’s market position as well as the market itself where the client operates in Work with clients to identify their financial goals, needs and recommend suitable loan options and financial products to them.
- Review loan agreements to ensure that they are complete and accurate according to the policy
- Write and present Loan proposals to the Credit Committee on behalf of the client’s loan request
- Evaluate and appraise loan collaterals such as real estate and other properties
- Analyze business’s financial statements and reports Monitor loan repayment performance
- Prepare and write loan contracts as well as other contracts associated with the loan granting process
- Prepare and write official letters on behalf of the Bank to the potential investors
- Translate official documents and bank statements
Education
Bachelor of Science - BSC BANKING AND INTERNATIONAL FINANCE
BAYES BUSINESS SCHOOL/formerly CASS/CITY
United Kingdom, London07-2017
GED -
RUSSIAN FEDERATION SCHOOL IN MONGOLIA
Mongolia, Ulaanbaatar05-2013
No Degree - FOUNDATION CERTIFICATE IN BUSINESS, LAWAND SOCIAL
KAPLAN INTERNATIONAL COLLEGE LONDON
UNITED KINGDOM, LONDON05-2013
Skills
- Microsoft office
- Analytical thinking
- MS Excel
- Time management
- Attention to detail
- Documentation and reporting
- Project management
- Quantitative analysis
- Risk mitigation strategies
- Risk assessment
- Credit analysis
- Collaboration and teamwork
Languages
English
Advanced (C1)
Russian
Upper intermediate (B2)
Korean
Beginner (A1)
Timeline
EARLY DETECTION ANALYST
CREDIT RISK DEPARTMENT, KHAN BANK
05.2023 - Current
OFFICER
CREDIT RISK DEPARTMENT, KHAN BANK
06.2020 - 05.2023
CREDIT SPECIALIST
BUSINESS CENTER, BOGDBANK
04.2019 - 06.2020
Bachelor of Science - BSC BANKING AND INTERNATIONAL FINANCE
BAYES BUSINESS SCHOOL/formerly CASS/CITY
GED -
RUSSIAN FEDERATION SCHOOL IN MONGOLIA
No Degree - FOUNDATION CERTIFICATE IN BUSINESS, LAWAND SOCIAL
KAPLAN INTERNATIONAL COLLEGE LONDON
Similar Profiles
Sonia RawatSonia Rawat
Sales Executive at HDFC Bank (HDB Finance Credit Card Department)Sales Executive at HDFC Bank (HDB Finance Credit Card Department)
Tocaya WrightTocaya Wright
NA at Citi Bank (Home Depot Credit department)NA at Citi Bank (Home Depot Credit department)
Latoya BanksLatoya Banks
Customer Service Representative at Alorica/Bank Of America Credit Card DepartmentCustomer Service Representative at Alorica/Bank Of America Credit Card Department
Vijai GanapathiVijai Ganapathi
Project 1: Health-Guard:Web Based Early Detection at NAProject 1: Health-Guard:Web Based Early Detection at NA
Holly KimzeyHolly Kimzey
Coordinator, Early Hearing Detection Intervention at Maryland School for the DeafCoordinator, Early Hearing Detection Intervention at Maryland School for the Deaf