Cheaper food is now available because of greater use of fertilizers and improved machinery. This improved production, however, can be harmful to individuals and the community. To what extent do you agree or disagree with this view? Discuss, including examples from your own knowledge and experience.

Date* august 2020 - until nowName of the

organization

:

PJSC

VTB

Bank

Position

: chief analyst of the publicly listed company Main

responsibilities

: - industry reviews

preparation

for the

bank

's

credit

strategy development; - conducting regular webinars on the transport industry for

bank

’s employees; - presentations for the

bank

's management; - public company activity assessing and preparing of comprehensive analytical materials; - proposal

preparation

to minimize

credit

risks when setting limits on holdings; - planning, task distribution and execution control for juniors.

Achievements

: 1) Development and implementation monitoring of a new methodology for setting indefinite limits. Business effects: - reduction the workload of

Credit

committee members by 20%, - decision-making time reduction. 2) Fulfilling all KPIs, building trusting relationships with business, influencing their decisions within the process. july 2019 – august 2020 Name of the

organization

: Sberbank

PJSC

Position

: CLFI (

Credit

, Leveraged Finance & Investments) Main

responsibilities

: - reviewing

credit

applications from corporate

clients

(structuring a

credit

deal, the borrower financial condition

analysis

, collateral

analysis

), - investment projects

analysis

, economic efficiency indicators calculation, financial model

preparation

; -

credit

risk

analysis

and ways to determine their minimization; -

credit

term negotiation with the

clients

; - presentation

preparation

and

credit

deal protection at the

Bank

's

Credit

Committee; - forecasting the risks of debt non-repayment and taking measures to prevent them.

Achievements

: 1) 100%

credit

deals implementation with a positive decision and the absence of overdue debts in the portfolio; 2) Team spirit formation and team building. october 2012 – april 2019Name of the

organization

: Sberbank

PJSC

Position

: risk manager of the corporate underwriting department Main

responsibilities

: - financial and economic activity

analysis

, including investment

analysis

; - development of strategy for hedging transactions in financial markets; - cash flow model stress testing; -

credit

risks identification,

analysis

and assessment; - deal structure coordination, including a covenant package, making proposals for optimizing the deal structure; - participation in the

Credit

Committee.

Achievements

: 1) Consistently showed the best KPIs (number and quality of reviewed

credit

deals): 30% above the average, I was trusted with the most complex and important deals, providing consultations to colleagues april 2011 – september 2012 Name of the

organization

:

PJSC

Bank

Aleksandrovsky

Position

: client manager for working with legal entities Main

responsibilities

: - advising

clients

(banking products and service issues), - commercial proposals

preparation

, attracting new customers, - conducting telephone conversations and meetings with

clients

, - contract

preparation

and additional agreements.

Achievements

: business plan regular implementation.