Thea Makharashvili
Summary
Finance professional with a Master's in Finance and Banking and a Bachelor's in European Studies, skilled in financial analysis and client relationship management. Proven experience in assessing loan eligibility for SMEs and creating detailed financial statements. Strong communication and leadership skills, enhanced by multicultural experience. Committed to delivering exceptional service and continuous professional development.
Overview
8
8
years of professional experience
Work History
Senior Credit Analyst
Bank of Georgia
12.2024 - Current
Analyzing SME clients by using preliminary accounting information to prepare Balance Sheets, Cash Flow Statements, and Profit and Loss Statements. Depending on key financial ratios determining loan eligibility and presenting findings to the credit committee.
Principal Credit Analyst
Bank of Georgia
06.2023 - 11.2024
Analyzing SME clients by using preliminary accounting information to prepare Balance Sheets, Cash Flow Statements, and Profit and Loss Statements. Depending on key financial ratios determining loan eligibility and presenting findings to the credit committee.
Business Client Adviser
ProCredit Bank
10.2019 - 05.2023
Managing SME client portfolio (maintenance and acquisition new clients). Analyzing financial data and prepared key statements to assess loan eligibility. Presenting findings to the credit committee.
Client Relationship Manager
ProCredit Bank
08.2018 - 09.2019
Acquiring new SME clients through proactive outreach via phone calls and in-person meetings. Developing and maintaining strong client relationships to promote banking services
Junior Banker (Trainee)
ProCredit Bank
05.2017 - 07.2018
Participated in training programs focused on the banking sector, including analyzing SME clients and assessing loan eligibility. Gained practical experience and attended training sessions in Bulgaria.
Education
Master of Business Administration - Banking And Finance
Ilia State University
02-2022
Bachelor of Science - European Studies
Ilia State University
Tbilisi, Georgia02-2017
No Degree - Political Sciences
Ghent University
Belgium02-2016
Skills
- Financial Analysis: Assess loan eligibility and create financial statements for SMEs
- Client Relationship Management: Acquire and maintain client relationships effectively
- Communication: Strong verbal and written skills for presentations and client interactions
- Portfolio Management: Manage diverse client portfolios to enhance satisfaction
- Market Research: Conduct analysis to inform client acquisition strategies
- Adaptability: Quick learner with a commitment to continuous improvement
- Multicultural Competence: Experience studying political sciences and European studies in Belgium, along with training in Bulgaria, enhancing global and multicultural perspective
- Teamwork and Leadership: Effective in group settings with demonstrated leadership and a strong sense of responsibility
Languages
Georgian
Native language
English
Advanced
C1
Spanish
Intermediate
B1
Russian
Elementary
A2
Timeline
Senior Credit Analyst
Bank of Georgia
12.2024 - Current
Principal Credit Analyst
Bank of Georgia
06.2023 - 11.2024
Business Client Adviser
ProCredit Bank
10.2019 - 05.2023
Client Relationship Manager
ProCredit Bank
08.2018 - 09.2019
Junior Banker (Trainee)
ProCredit Bank
05.2017 - 07.2018
Master of Business Administration - Banking And Finance
Ilia State University
Bachelor of Science - European Studies
Ilia State University
No Degree - Political Sciences
Ghent University
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