Over Esra
Engels
Tweetalig / moedertaal
Nederlands
Basiskennis
Duits
Beperkte professionele capaciteit
Turks
Tweetalig / moedertaal
Werkervaring
- EDC ConsultingFoundermaart 2025 - Vandaag (1 jaar en 3 maanden)Amstelveen, Netherlands
- Provide Xero-based monthly bookkeeping for a UK SME; primary liaison to the external accountant.
- Own month-end close: bank reconciliations; AP/AR (invoicing, vendor bills); expense coding; journals; clear weekly reports.
- VAT/BTW-ready records and quarterly aangifte preparation — filing by the client or their accountant.
- Credit control: AR aging, reminder workflows, dispute tracking, action log to get paid faster.
- Reconcile bank transactions and resolve discrepancies; audit-proof documentation (e.g., Hubdoc/receipt capture).
- Keep chart of accounts tidy; on-time reconciliations aligned with controls and deadlines.
- Lending Department | Vakifbank T.A.O.Senior Credit Analyst / Credit Officer (VP)maart 2010 - juni 2020 (10 jaren en 3 maanden)İstanbul, Türkiye
- Evaluated branch credit proposals: financials, cash flow, business model, and collateral coverage.
- Approved loans within delegated limits; prepared & presented large/complex files to senior committees beyond authority.
- Identified key risks and recommended structures (tenor, amortization, collateral, covenants, pricing) to mitigate exposure.
- Performed CDD within the credit process (docs review, risk profiling, ongoing monitoring) in absence of a dedicated CDD unit.
- Partnered with Regional Management, Legal, and Risk to ensure regulatory compliance and complete documentation; streamlined approval workflow to improve turnaround time.
- Led and mentored an 8-member analyst team; contributed to policy/process improvements.
- Selected restructuring: USD 20M jewellery sector — negotiated terms and collateral enhancements; delivered a viable repayment plan.
- Vakifbank– Sisli BranchRelationship Manager / Credit Analystseptember 2005 - maart 2010 (4 jaren en 6 maanden)İstanbul, Türkiye
- Managed a €2B+ loans & deposits portfolio across corporate and SME clients.
- Conducted KYC/CDD and financial analysis; assessed creditworthiness; prepared credit memos and documentation.
- Developed deep client knowledge to support cross-sell and risk-adjusted financing structures.
- Originated and structured credit proposals (e.g., working capital, term loans, trade finance) and coordinated approvals with HQ.
- Selected restructuring case: USD 80M Toprak Holding (overdue loan) — coordinated with senior management & Legal; renegotiated terms and collateral, stabilizing the client and reducing bank risk.
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Opleidingen
- Bachelor's Degree in Business AdministrationAnadolu University2003Bachelor's Degree in Business Administration
- Certificate in Financial Analysis and AnalyticsUniversity of Oxford2025Certificate in Financial Analysis and Analytics