CURRICULUM VITAE (CV) FOR PROPOSED PROFESSIONAL STAFF
1. Proposed Position:
2. Name of Firm: Independent Banking & Microfinance Consultant, Trainer, Lecturer, Conference Speaker, Panel &
Workshop Moderator / Facilitator
3. Name of Staff: George Staicu
4. Nationality: Romanian – Email: staicu.g@gmail.com
5. Education:
Institution
Date
Degrees
Institution
Date
Degrees
Institution
Date
Degrees
Institution
Date
Degrees
United States Agency for International Development
Jan-May 1995
4 months scholarship - on the job training in US financial-banking institutions : 1
commercial bank, 1 federal savings bank, 3 credit unions and 1 investment company Certificate of achievement
Graduate of the USA Credit Union National Association’s “Staff Training and
Recognition Program” (STAR)
Jan-May 1995
Certificates of achievements in the following areas : Credit Union Orientation , Member
relations, Credit Union Security, Negotiable instruments, Member services, Cross selling,
Loan interviewing, Loan processing, Collections, Basic accounting, Accounting for credit
unions and Credit union financial analysis
Turkish Banks Association Istanbul - Centre for Banking Studies
May-November 1993
6 months scholarship for banking training - Certificate of achievement
University of Finance-Accounting, Academy of Economics
1982 – 1987
Master of Science in Finance - Accounting
6. Membership of Professional Associations:
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Founder, owner and member Microfinance Best Practices Group on Linkedin (which contains 18 specialized
subgroups);
The Palladium Execution Premium Community - XPC - business strategy balanced scorecard (June 2010)
World Bank Development Debates
Dgroups - Development through dialogue;
UN Volunteers and UN Online Volunteers (May 2010)
European Savings Banks Group - member of the Management Committee – 11. 1997 – 03.2002;
Professional Risk Manager’s International Association ( PRMIA) – Member – December 2005;
7. Expertise
Institutional building/restructuring of financial institutions
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business strategy and planning advanced knowledge of business strategy planning, execution, monitoring &
updating, using international best practices such as: Kaplan/Norton/Palladium Group’s Balanced Scorecard
Framework, Porter’s Five Forces model, PESTL & SWOT analysis, strategic/long-term financial forecasting;
strategic operational planning; strategic budget design. monitoring & execution; Key Performance Indicators
(KPI) dashboards structure designing;
corporate governance (based on international best practice: World Bank-OECD “Principles of Corporate
Governance”; Basle Committee “Enhancing corporate governance in banks; Financial Stability Board Principles for Sound Compensation Practices (FSB Principles) and accompanying Implementation Standards;
the Practice of Corporate Governance in Shareholder Owned MFI - Consensus Statement of the Council of
Microfinance Equity Funds
advanced knowledge of organizational chart reengineering: based on Mintzberg ‘s organizational
configurations framework as well as on Mintzberg/Heyden Organigraph - used to expose critical associations
and competitive opportunities of a bank/MFI's structure or processes, as opposed to viewing all departments
and business units as separate entities;
advanced knowledge of Project Management best practices: Agile methodology, Critical Path
Analysis/Method (CPA/M); Program Evaluation and Review Technique (PERT);
budgeting; reporting for internal and regulatory compliance purposes, bank & MFI risk management;
technologies (CPM, BI, EWRM, EAI, CRM, ERP, SCM, Six Sigma, Hoshin Kanri ) for business strategy
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(balance scorecard) and for regulatory and bank management reporting (dashboards for risk management,
planning, budgeting, forecasting, performance, branch / product & customer profitability and total quality
management
Asset & Liability Management; ALCO meetings preparation, organization and chairing;; financial & managerial
accounting; Fund Transfer Pricing & Activity Based Costing; corporate finance; asset & liability management,
financial modeling & analysis, internal control systems; internal & external audit; Micro & SME financing;
financial & credit analysis; credit scoring; project financing; marketing management; customer relationship &
profitability management; Dynamic Digital Signage; HR management; staff incentive schemes;
Anti-Money Laundering & Counter Terrorist Financing
 the Financial Action Task Force - FATF guidelines / recommendations / standards / compliance
assessment methodology
 the Directive 2005/60/EC and 2006/70/EC of 1 August 2006.of the European Parliament and of the
Council on the prevention of the use of the financial system for the purpose of money laundering and
terrorist financing (the “Second and Third EU Money Laundering Directive”)
 the Anti-Money Laundering & Counter Terrorist Financing conventions issued by the Council of
Europe ( the Convention on Laundering, Search, Seizure and Confiscation of the Proceeds from
Crime (CETS No.: 141) – 1990 and the Convention on Laundering, Search, Seizure and Confiscation
of the Proceeds from Crime and on the Financing of Terrorism and its explanatory report – 2005)
 the Anti-Money Laundering & Counter Terrorist Financing reports issued by the Committee of Experts
on the Evaluation of Anti-Money Laundering Measures and the Financing of Terrorism – MONEYVAL
 the US Patriot Act and of the regulations issued by the U.S. Department of the Treasury’s Financial
Crimes Enforcement Network (FinCEN) in the areas of Anti-Money Laundering & Counter Terrorist
Financing
 the AML & CTF recommendations issued by World Bank and IMF
 very good knowledge of the Anti-Money Laundering & Counter Terrorist Financing recommendations
issued by the Basel Committee on Banking Supervision (Customer due diligence for banks; Sharing
of financial records between jurisdictions in connection with the fight against terrorist financing)
 the Anti-Money Laundering & Counter Terrorist Financing recommendations issued by the Egmont
Group of Financial Intelligence Units (“9 Best Practices for the Exchange of Information Between
Financial Intelligence Units”, “Countering Of Terrorism Financing” )
 the 1999 United Nations International Convention for the Suppression of the Financing of Terrorism
 the 2001 United Nations Security Council Anti-Terrorism Resolution 1373
 software technical requirements/specifications addressing AML business requirements:
o Currency Transaction Reporting (CTR) systems, which deal with large cash transaction
reporting requirements ($10,000 and over in the U.S.)
o Customer identity management systems which check various negative lists (such as US
Office of Foreign Assets Control - OFAC) and represent an initial and ongoing part of Know
Your Customer (KYC) requirements
o Transaction monitoring systems, which focus on identification of suspicious patterns of
transactions which may result in the filing of Suspicious Activity Reports (SARs). Identification
of suspicious (as opposed to normal) transactions is part of the KYC requirements.
8. Countries of Work Experience: Vietnam, Singapore, Romania, Kosovo
9. Languages:
Language
English
French
Romanian
Speaking
Excellent
Good
Reading
Excellent
Good
Mother Tongue
Writing
Excellent
Good
10. Employment Record :
From: 2003 To: Present
Employer: Self –employed independent consultant
Positions held: various consulting positions for banking and microfinance technical assistance projects
(further details and all positions held - see paragraph 11 in my CV)
From: December 2011 To: present
Employer: Global Bankers Institute
Position: Consultant - managing and implementing projects for clients of Global Bankers Institute.; Contract Instructor
- delivery of Global Bankers Institute training programs and evaluations for clients of Global Bankers Institute; External
Content Expert - design and development of eLearning and classroom educational content for clients of Global
Bankers Institute
From: June 2008 To: November 2008
Employer: KosInvest -World Vision International - Kosovo (Micro Finance Institution)
Position: Microfinance Financial & Risk Management expert & Trainer - Financial Management support to KosInvestWorld Vision International - Kosovo (a Micro Finance Institution); Funding agency: European Fund for Southeast
Europe
From: : July 2003 – To: December 2004
Employer: Enterprise Program (the leading Microfinance Institution in Kosovo)
Position: Finance and Administration Manager - Strategy, Business planning, Credit policy, Financial-Accounting,
Accounting system automation, Internal Audit and Administration for Kosovo
From: 1990 To: 2003
Employer: Romanian Savings Bank
Positions held: Various positions from Loan Officer to Senior Economist, Adviser to the CEO, Trainer, Director –
Human Resources Division, Director – Strategy and Controlling, Advisor – Strategy and Controlling etc.
11. Work Undertaken that Best Illustrates Capability to Handle the Tasks Assigned
Name of assignment or project: Global Bankers Institute (GBI)
Year: December 2011 – present
Client: Global Bankers Institute and various client banks of Global Bankers Institute
March 2012 – July 2012: Global Bankers Institute Consultant - worked with a large multinational bank assisting
them with the setup and implementation of a program on microlending..
November 2012 – February 2013: Global Bankers Institute Contract Instructor - delivered a series of training
programs to a regional bank in the areas of corporate governance and risk.
September 2013 – June 2014: Global Bankers Institute External Content Expert - worked with GBI’s eLearning
development team to re-design and update GBI’s entire suite of Banking eLearning programs.
Name of assignment or project: Consulting service on Enhancing the efficiency of branch network of Vietnam
Bank for Agriculture and Rural Development
Year: December 2012 – March 2013
Location: Hanoi, Vietnam
Client: Vietnam Bank for Agriculture and Rural Development
Main project features:
 Develop criteria to evaluate the operational efficiency of branches and transaction offices and related
benchmarks to guide decisions about merging or closing of existing branches or transaction offices, and
about establishing new ones.
 Develop performance assessment tools based on key performance indicators (KPI’s) for the different types of
branches and set up a system to manage risks efficiently at branch level while meeting the bank’s return
expectations;
 Develop staff incentive systems at the branch level based on the KPIs and benchmarks for different types of
branches and transaction offices.
 Revise and refine existing business strategy and develop new products and services targeted at different
customer segments, and adjust the product portfolio of different types of branches in accordance with their
target markets and operational capacity, develop other distribution channels of VBARD such as ATM, Mobile
banking.
 Set up modern credit assessment and monitoring procedures, introduce cash-flow based lending on a pilot
basis, improve collateral valuation techniques, and provide the necessary staff training and capacity building.;
Positions held: Bank branch network and training expert
Activities performed:
 Refined the business strategy; presenting training seminars on bank strategy planning
 Develope criteria to evaluate the operational efficiency of the branches and transaction offices and related
benchmarks for decisions about merging or closing of existing branches or transaction offices, and about
establishing new ones;
 Developed the plan for branch network restructuring and transaction offices including the closure, merge and
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expansion of branches to enhance their operational efficiency in serving their target markets and their ability
to access customer.
Developed KPIs and benchmarks for measuring and monitoring branch performance and a system at the
branch level to efficiently manage risk and gain optimal profit;
Developed staff incentives systems at the branch level based on the KPIs and introduce the system on a pilot
basis.
Established a mid-term and long-term strategy for developing banking products portfolio
based on the actual condition and future prospects.
b. Develop a market analysis methodology to know the potential and needs of the market and better
understand customer requirements in urban and rural markets. Implement the method on a pilot basis in a
selected number of branches.
Elaboratet the credit scoring system for individual, corporate, household taking into account differences
between economic sectors and regions (urban, rural), as appropriate. Maintain close coordination and
cooperation with the consultancy on risk management that will be implemented in parallel.
Developed a customer relationship management policy which allows enhancing cross-selling of different
banking products and services.
Developed the proposal for adjusting the product portfolio and distribution system for each type of branch and
transaction office
Name of assignment or project: SME credit master class - Lending & financial analysis
Year: 15-16 February 2011
Location: Singapore
Client: Pinnacle Training Group – Singapore
Main project features: Training provided to bankers from Singapore, Malaysia, Bangladesh and Brunei;
Positions held: Training expert
Activities performed: Training on:Importance of SMEs sector for the economy; Overview of financial risk and
business risk; Key issues that the banker has to focus on when lending to SMEs (financial analysis, ratio analysis
, credit analysis, cash flow, cash flow based lending, break-even analysis, SME loan portfolio cost and profitability;
Designing And Marketing The Right Products For The SME Market (Linking your understanding of SME
characteristics to SME credit products; Asset-based finance-key principles; Marketing to SMEs; Assessing
business plans; Visiting the customer's premises; Environment & lending); The Operating Cycle Of A Business
And How It Is Financed; Evaluation Of Risk In The Operating Cycle; Management risk. Overview Of SME
Finance In Asia; Islamic Finance; Risk Management in Islamic Finance; Credit Proposals (Risk Analysis of the
proposal; Considerations of borrowers’ foreign exchange exposure; Loan documentation and collaterals;
Settlement and drawdown; After the deal is done; Other Considerations (Annual review; Managing and monitoring
loans: Portfolio management; Warning signals of failure by SMEs; Accountability; Going forward: SMEs & credit
scoring) Islamic banking risk management.
Name of assignment or project: Financial Management support to KosInvest-World Vision International Kosovo (a Micro Finance Institution); Funding agency: European Fund for Southeast Europe
Year: June – November 2008
Location: Kosovo
Client: KosInvest -World Vision International - Kosovo (Micro Finance Institution)
Main project features:
 Coaching the management team (especially the CFO)in the areas of risk & financial management / modeling.
 Organize dedicated training on costing, risk & financial management / modeling to relevant staff;
 Install costing, financial management / modeling and controlling tools, including liquidity management;
 Install an extended ALCO and risk management policies and practices focusing on financial risks (review and
upgrade of procedures and job descriptions, coaching of ALCO meetings)
Positions held: Microfinance Financial & Risk Management expert & Trainer
Activities performed:
Risk management
 assessment of the existing internal policies, procedures and systems for the risk management of liquidity and
market (interest rate, foreign exchange) risks
 drafted//implemented policies, procedures and Excel models for the management of liquidity risk and market
risk : interest rate risk (using static and dynamic gap management model and sensitivity analysis); foreign
exchange risk
Asset & Liability Management
 assessment of the existing internal policies, procedures and systems in the area of asset & liability
management
 drafted/implemented the Asset and Liability Management training manual
 drafted/implemented the Asset & Liability Management policy and procedures
 drafted/implemented the Risk management training manual
 drafted/implemented the Liquidity risk management policy and procedures
 drafted/implemented the Interest rate risk management policy and procedure
 drafted/implemented the Foreign exchange risk management policy
 drafted/implemented the Financial management training manual
 drafted/implemented the Financial management policy
 drafted/implemented the monthly cash-flow and loan planning and monitoring methodology and report.
Microfinance software selection and implementation
Management accounting and financial modeling
Designed and implemented the Excel models for:
 asset & liability management reports (liquidity risk, interest rate risk, foreign exchange risk )
 internal audit of the loan portfolio
 the monthly loan cash-flow planning and monitoring
 for the monthly loan officers and administrative staff bonus system
 the setting-up of database containing historical and current accounting data needed for the preparation of
financial analysis/management reports (tables and charts of profitability, efficiency/cost management,
productivity, etc. ratios and charts)
 the microfinance product and branch profitability based on the profit and cost centers management method
the bank/microfinance branch network budget execution and performance monitoring based on the Internal
Fund Transfer Pricing method;
 the branch and sub-branch network performance assessment procedure and reporting
Microfinance institution organizational restructuring: Drafted and implemented the charters of the newly
established divisions/ departments and the related job descriptions.
Microfinance products and services: Prepared recommendations on the draft report regarding the proposal for
introducing saving / deposits activity in KosInvest.
Management accounting and financial modeling.
Training: Presented two training seminars on the following topics: asset & liability management; costing, risk &
financial management / modeling
Name of assignment or project: Romanian Border Police (RBP) & Romanian National Custom Authority (RNCA) RO2005/017-553.03.04.01.04 "Development of the Romanian Border Police (RBP) and National Customs
Authority(NCA) Internal Control Function, Romania "; Funding agency: EU Phare
Year: January 2008 – March 2008
Location: Bucharest, Romania
Client: Romanian Border Police (RBP) & Romanian National Custom Authority (RNCA)
Main project features
Responsibilities
 support the Romanian Border Police (RBP) and National Customs Authority (NCA) in their long term objectives
and to put in place the framework for ensuring the respective institutions’ self-sufficient sustainable capacity for
designing and implementing a comprehensive and coherent strategy for the internal control function;
 increase the institutional capacity of the RBP and NCA to realize an effective management of internal control as a
management function.
 fact finding missions at central level and in selected regions of the RBP and NCA summarized in an Overall
Snapshot/Inception Report
 organization-wide assessment of the RBP and NCA carried out for the purposes of identifying short-comings,
development trajectories, and training needs in internal control
 designing and delivering training seminars in the Internal Control Area for RBP and NCA
 design and implementation of the Internal control function and implementation strategy for RBP and NCA, with a
supporting development plan and support to management during initial implementation
 designing, adopting and implementing an internal control function and related Action Plan for RBP and NCA ;
 implementing the structures required by the internal control functions for RBP and NCA and developing
managerial and training competence in internal control.
Achievements
 reviewed and prepared report on existing Public Finance, Public Internal Control and Public In Internal Audit
Romanian legal framework, rules and regulations
 inception report prepared - an overall assessment snapshot of the RBP and NCA managerial capacity to develop
and implement an appropriate internal control function and an overall organizational diagnosis (see below the
Inception Report outline )
 a comprehensive Internal Control function for RBP and NCA was designed
 action plans for implementing and strengthening the internal control function prepared and presented for approval
to the RBP and NCA management. Initial implementation plans and related actions approved by the RBP and
NCA management of internal control function
 the Change Management structure is put in place as necessary for the 12 month project and for initial
implementation of Action Plans for the coming years
 Internal control function training delivered, according to organizational and individual learning and development
needs.
Name of assignment or project: Intra-bank payment and customer accounting system phase 2, (IPCAS) ;
funding: World Bank & the French Development Agency:
Year: August 2006 – June 2007
Location: Vietnam
Client: Vietnam Bank for Agriculture and Rural Development
Main project features:
 advise/support the Vietnamese Bank for Agriculture and Rural Development – Hanoi, in reviewing current
business strategy; restructuring the HQ and branches in line with the new business strategy and the new
banking application;
 defining reporting requirements that meet international best practices; advising on banking operations and
bank internal regulations;
 providing recommendations for the bank modernization and international integration; preparing training
assessment report; presenting seminar on bank strategic planning
Positions held: Banking expert
Activities performed:
Corporate governance
 assessment scan of the corporate governance, risk management, internal control systems and internal audit
frameworks and policies;
 prepared recommendation report regarding the refinement and implementation of the corporate governance
policy and framework
 drafting of charters for the Corporate Governance & Nomination Committee, Internal Audit Committee,
Compensation Committee, Group Risk Management Committee and Asset & Liability Committee)
Strategic management, restructuring, forecasting, budgeting and operational planning
 prepared fact-finding report:
o assessment of the existing methodology for the development of the business strategy, strategic
objectives, operational plans, financial forecast, budgets and related/derived strategies in the areas of
Financial and Risk management, Internal Control, IT, HR, Marketing, etc. against the internationally
recommended best practices
o assessment of the written business strategy document and of the related/derived written strategies in
the areas of Financial and Risk management, Internal Control, IT, HR, Marketing, etc
 prepared recommendation reports for the refining / improvement of business strategy planning methodology
and of the related business strategy documents
Internal control system & Internal Audit
 assessment of the existing internal control and internal audit systems, structures, policies and procedures
 prepared and presented the report on the corporate governance policy of the bank,
 prepared and presented the report containing the drafts of the charters for the:
o
Group Risk Management Committee,
o
Asset & Liability Committee,
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Internal Audit Committee,
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Compensation Committee and
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Corporate Governance & Nomination committee;
Bank organizational restructuring
 assessment of the existing organizational charts at head-office and branches
 drafted/refined/implemented organizational charts at head-office and branches levels based on the lean
principle, on the customer/market centric approach, on the integrated (Enterprise Wide) view of the risk
management, as well as on the business strategy, planning/budgeting, monitoring and reporting processes.
Risk management - Basel II compliant
 assessment of the existing risk management framework - internal policies, procedures and systems
 prepared and presented report on the introduction of the Enterprise Wide Risk Management approach Basel II compliant, covering credit risk, operational risk, liquidity risk, market risk (interest rate risk, foreign
exchange risk), strategy risk, technology risk, Know Your Customer-Anti Money Laundering risk, reputational
risk, etc.
Asset & Liability Management
 assessment of the existing internal policies, procedures and systems for the area of asset & liability
management
 drafting and presenting the draft charter for the Group Risk Management Committee
 drafting and presenting the draft charter for the Asset and Liability Committee
 drafting and presenting the Asset & Liability Management and Investment policies
Credit management
 assessment of the existing internal policies, procedures and systems for the area of credit management
 provided advice, coaching and recommendation reports on:
o
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the credit policy
the restructuring of the head-office divisions with redundant responsibilities within the credit management
and credit risk areas
o the reinstatement of the Credit Committee
Bank software selection and implementation and Training: Prepared and presented a training seminar on
strategic planning
Name of assignment or project:
Year: September 2005 – April 2006
Location: Bucharest, Romania
Client: Romanian Ministry of Public Finance
Main project features Romanian Ministry of Public Finance
Romanian Ministry of Public Finance – “Improving the State Treasury management system of the Ministry of
Public Finance –Romania” ; funding: UE Phare/Europe Aid
 Enhancing Government’s accountability and public finance management capacity
 Improving the State Treasury management system of the Ministry of Public Finance Project:
 Prepared due diligence reports on the legal framework, internal procedures, internal control, financial control,
accounting, IT & MIS systems, organizational structures and regulations regarding the following areas and
institutions:
o Public finance budgeting, monitoring & execution
o State treasury management (cash and debt management, forecasting and reporting), National Agency for
Fiscal administration, National Customs Authority, Financial Guard, Local municipalities / authorities
powers, structure & funding, Romanian electronic Payment Systems, Romania’s financial markets
 Participated in drafting new legal framework for the public finance and debt management areas
 Prepared the manual “Public Finance Treasury Management – best practices & standards” destined to the staff of
the State Treasury Management Unit.
 Training to improve the capacity for Treasury liquidity management, to optimise the financial flows and
development of operations specific to the management of the single account of the State Treasury
Achievements
 Preparation of the Inception Report (see below the outline of this report)
Inception Report
1.
Implementation Framework
1.1.
Introduction
1.2.
Context of the Project
1.3.
Objectives of the Project
1.4.
Project-related Implementation Structure
1.5.
Project Experts
1.6.
Main Findings during the Inception Phase
1.6.1. Meetings during the Inception Phase
1.6.2. Implementation of the Inter-bank payment system
1.6.3. Analysis of the Current Situation
1.6.4. Assumptions and Risks
2.
Detailed Project Work Plan
2.1.
Component 1: Improving the Legal Framework
2.2.
Component 2: Improving the Management System of the State Treasury
2.3.
Component 3: Personnel Training
3.
Annexes
 Preparation of due diligence reports on the legal framework, internal procedures, internal control, financial control,
accounting, IT & MIS systems, organizational structures and regulations regarding the following areas and
institutions:
1. Public finance budgeting, monitoring & execution
2. Ministry of Public Finance
3. State treasury management (cash and debt management , forecasting and reporting
4. National Agency for Fiscal administration
5. National Customs Authority
6. Financial Guard
7. Local municipalities / authorities powers, structure & funding
8. Romanian electronic Payment Systems
9. Romania’s financial markets
 Participation in the drafting of a new legal framework for the public finance and debt management areas
 Report assessment of the Ministry of Public Finance and the local districts General Directorates of Public
Finance’s staff training needs in the areas of public finance and state treasury management
 Organizing and presenting training seminars in the area of public finance and state treasury management
 Member of the team experts in charge with the designing of a software application for the balance forecasting of
the State treasury's single account's
Member of the team in charge with the preparation of the manual “Public Finance Treasury Management – best
practices & standards” destined to the staff of the State Treasury Management Unit within the Romanian Ministry
of Public Finance
Name of assignment or project: Strategy, Business planning, Credit policy, Financial-Accounting, Accounting
system automation, Internal Audit and Administration for Kosovo Enterprise Program (the leading Microfinance
Institution in Kosovo)
Year: July 2003 – December 2004
Location: Pristine, Kosovo
Client: Kosovo Enterprie Program
Main project features: Reporting to the Executive Director and acting as the chief financial advisor for KEP,
responsible for managing the financial statements, budgets of the 7 branch network including all aspects of
planning and implementation of financial targets, reporting, institutional representation, support & advice to the
Micro & SMEs lending operations; staff supervision & capacity building under the general framework of KEP’s
business plan, organizing and presenting seminars at the Kosovo Enterprise Program’s Training Center .
Positions held: Finance and Administration Manager
Activities performed:
Strategic management, restructuring, forecasting, budgeting and operational planning: assessment and
refinement of the existing methodology for development of the business strategy, strategic objectives, operational
plans, financial forecast, budgets against the best practices, etc. Delivering training seminars
Project Management; Internal control system & Internal Audit, including: assessment of the existing internal
control, internal audit, finance-accounting, lending and administration management, systems, structures, policies
and procedures; drafted and implemented the internal audit policy and procedures manual; drafted and
implemented the charter of the Internal Audit Committee; drafted/refined/implemented the finance-accounting
policy manual; drafted/refined/implemented the administration policy manual; Delivering training seminars
Microfinance institution organizational restructuring; Credit management including assessment of the existing
internal policies, procedures and systems for the area of credit management and drafted/refined/implemented the
policy manuals and procedures for Micro & SME, consumer and livestock farm lending;
Microfinance software selection and implementation; Delivering training seminars
Management accounting and financial modeling; Delivering training seminars
Bank products and services – preparing the livestock farming micro-lending policy and the consumer loans policy;
Delivering training seminars
Marketing including designing and implementing the marketing strategy and action plans and developing and
monitoring the marketing budgets for the head office and the branches;, Delivering training seminars
Training - Preparing training needs assessments;, Developing training curricula
Centers;
and Setting-up of Training
Name of assignment or project: The strategic, financial and risk management of a Savings Bank
Year: : 1990 - 2003
Location: Bucharest
Client: Romanian Savings Bank
Main project features: The financial and risk management of a Savings Bank
Positions held: Various Positions from Loan Office to Senior Economist, Adviser to the CEO, Trainer, Director –
Human Resources Division, Director – Strategy and Controlling, Advisor – Strategy and Controlling etc.
Activities performed:
Strategic management, restructuring, forecasting, budgeting and operational planning including: coordinated the
drafting, implementation and monitoring of the Romanian Savings Bank business strategies documents and the
related financial forecast/budgets and action/operational plans for 1997 – 200 and 2002-2005; preparing the
strategic assumptions, the Excel model & documents format for the business strategy planning;
Internal control system & Internal Audit; Bank organizational restructuring; Risk management - Basel II compliant;
Asset & Liability Management; Credit management; Management accounting and financial modeling; Project
Management:
 Team Leader / Project Manager for the designing of the Asset and Liability Management policy , procedures
and systems
 Team Leader / Project Manager of the Romanian Savings Bank team in charge with the implementation of
the restructuring project (RO 9805.02.02.01) funded by PHARE
 Team Leader / Project Manager of the Romanian Savings Bank team in charge with the implementation of
the consulting project jointly implemented with the German Savings Bank Foundation for International
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Cooperation;
Team Leader / Project Manager of the Romanian Savings Bank team in charge with the negotiation and
implementation of the agreement with the Romanian SME Loan Guarantee Fund;
Team Leader / Project Manager of the Romanian Savings Bank team in charge with the negotiation,
implementation and the on-going financial, forex risk and performance evaluation of the first Kreditanstalt fur
Wiederaufbau SME’s credit line agreement amounting 2 mil DEM
Team Leader / Project Manager of the team in charge with the introduction of the external audit of the
Romanian Savings Bank’s financial statements
Team Leader / Project Manager of the team in charge with the designing and introduction of the “Profit and
Cost Center procedure” of the procedure for the branch and sub-branch network performance assessment
reporting;
Team Leader / Project Manager; of the team in charge with the drafting and implementing the Anti-Money
Laundering management policy and procedure (including AML bank customer risk matrix and classification)
based on the Directive 2001/97/EC of the European Parliament and of the Council of the European Union (the
Second Directive) as well as on the guidelines and recommendations issued by the Financial Action Task
Force (FTAF) , International Monetary Fund, Basel Committee, European Commission, Swiss Federal
Banking Commission, the US Treasury, the 1999 United Nations International Convention for the Suppression
of the Financing of Terrorism and the 2001 United Nations Security Council Anti-Terrorism Resolution 1373
and the Egmont Group of Financial Intelligence Units case studies, recommendations and practices.
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Training, Training needs assessments, Training curricula and Setting-up of Training Centers
 staff training needs assessment; developing and implementing the HR training strategy, curricula and training
program
 developing and implementing the strategy and operational plan for the setting-up of CEC’s regional training
center for in-house training
 developing and implementing the Human Resource development strategy and policy documents
 Initiating and organizing new international and local training programs for the bank staff
 developing, improving and implementing procedures for branch network administration utilized for decision
making purposes related to the setting-up of new branches and agencies and/or closing down the current
ones
 coordinating the studies concerning the staff performance, staff adequacy and staff salaries
 Initiator and drafter of a new staff recruitment & selection procedure (including psychometric evaluations)
 bank representative and counterpart for the KPMG and German Savings Bank Foundation for International
Cooperation’s project team that was in charge with the World Bank funded project related to the Romanian
Savings Bank’s analysis and restructuring study (contract R 91050100.15 , R 91050100.16) that included a
comprehensive assessment and the development of the bank HR strategy, policy and training programs and
curricula.
 bank representative and counterpart for the EBRD due diligence at CEC that included a comprehensive
assessment of the bank HR strategy, policy and training programs and curricula;
 bank representative and counterpart for the ING training needs assessment & staff training at CEC
 bank representative and counterpart for the KfW and International Projekt Consult credit officer selection
(focus groups) and training
 Team leader for the development and implementation of the CEC business strategy that included as
components the staff training need assessment, HR strategy & staff training curricula and program
 bank representative and counterpart for the German Savings Banks Foundation for International Cooperation
project related to CEC staff training needs assessment, staff training program; evaluation of the staff training
program delivered by the expert of the German Savings Banks Foundation for International Cooperation
 coordinator (jointly with the representative of the International Projekt Consult) of the the training seminars for
the selected loan officers hired for the Kreditanstalt fur Wiederaufbau SME credit line (Presentation of the
KfW SME program and objectives; presentation of the “SME financing needs market study” undertaken by
the Romanian Savings Bank staff in the county branches; Presentation of important principles for a
successful SME lending; Marketing loans to SMEs and relations to this clientele; The loans cycle: First
contact to the customer - the loan application – Analysis – Credit granting decision – disbursement –
Monitoring / recovery – Subsequent loans; Analyzing SME - subject of analysis – balance sheet & profit &
loss – cash-flow statement- creditworthiness-notions of financial mathematics; Analyzing SME – case
studies)
 initiating and organizing a World Bank seminar for the bank’s head office and branch staff on business
strategy and SME lending (credit analysis, collateral assessment, loan administration, non-performant loans
management, loans work-out, risks associated with lending, collateral enforcement) including a personal
paper on corporate strategic planning
 External consultant for the development and implementation of the Romanian Banking Institute’s Distance
learning curricula and training program
 Lecturer for the Romanian Banking Institute’s Train the trainer program
Lecturer for Romanian Banking Institute’s Credit and Financial analysis and Project financing training seminars
Certification:
I, the undersigned, certify that to the best of my knowledge and belief, these data correctly describes me, my
qualifications and my experience.
George Staicu