Anna Júlia Zöld
Lead Credit Analyst
Budapest
Summary
Fluent in Spanish and English, I bring advanced financial expertise, a strong credit background, and proven teamwork skills to the Senior Analyst role. My collaborative approach and clear communication help me build strong relationships with stakeholders and deliver valuable financial insights in international settings.
Overview
21
21
years of professional experience
4
4
Languages
Work History
Lead Credit Analyst
BP Finance Business & Technology FS&M ESA
03.2023 - Current
- Led the IBERIA B2B portfolio and supervised a 5-member ESA subteam. Specialized in financial and credit risk analysis, market evaluation, and stakeholder negotiations. Coordinated and trained team members, and contributed to process standardization and digitalization projects.
Lead Credit Analyst
BP Finance Business & Technology M&C ESA
01.2018 - 01.2023
- Managed Spanish portfolio reporting and bad debt provisioning. Supervised Credit Analysts and ensured accurate financial records through effective data management and documentation.
Credit Risk Advisor
IBM Global Financing, Credit Division
01.2016 - 01.2018
- Optimized risk exposure by managing SPGI portfolio and three global group limits. Assessed creditworthiness to establish suitable credit appetite and develop collateral structures. Prepared comprehensive annual reviews to evaluate customer performance.
Credit Team Leader (SPGI Region)
IBM Global Financing, Credit Division
01.2014 - 01.2015
- Conduct credit risk analysis and make informed credit risk decisions while reviewing analyses completed by team members
Credit Risk Advisor (SPGI and Benelux Regions)
IBM Global Financing, Credit Division
01.2008 - 01.2013
- Commercial and Customer Financing Department
Bank Start Rotation Program
Hungarian Development Bank (Magyar Fejlesztési Bank ZRt.)
01.2006 - 01.2008
- Rotated through various divisions before commencing position within Credit Monitoring Department.
Financial Assistant
Tourist Agency in Brazil (Rio De Janeiro)
01.2005 - 01.2006
Education
Level I -
Chartered Financial Analyst (CFA) Program
04.2001 -
Commercial Lending Training Program -
Moody’s
01-2006
M.D. - Economic policy
Corvinus University of Budapest
04.2001 -
High School Diploma -
Károlyi Mihály Hungarian-Spanish Bilingual Secondary School
04.2001 -
Skills
- Financial analysis
- Data-driven analysis
- Stakeholder engagement
- Market analysis
- Risk management
- Windows, Power Point, proficiency in Excel, Power BI,
- Experienced with SAP systems
Timeline
Lead Credit Analyst
BP Finance Business & Technology FS&M ESA
03.2023 - Current
Lead Credit Analyst
BP Finance Business & Technology M&C ESA
01.2018 - 01.2023
Credit Risk Advisor
IBM Global Financing, Credit Division
01.2016 - 01.2018
Credit Team Leader (SPGI Region)
IBM Global Financing, Credit Division
01.2014 - 01.2015
Credit Risk Advisor (SPGI and Benelux Regions)
IBM Global Financing, Credit Division
01.2008 - 01.2013
Bank Start Rotation Program
Hungarian Development Bank (Magyar Fejlesztési Bank ZRt.)
01.2006 - 01.2008
Financial Assistant
Tourist Agency in Brazil (Rio De Janeiro)
01.2005 - 01.2006
Level I -
Chartered Financial Analyst (CFA) Program
04.2001 -
M.D. - Economic policy
Corvinus University of Budapest
04.2001 -
High School Diploma -
Károlyi Mihály Hungarian-Spanish Bilingual Secondary School
04.2001 -
Commercial Lending Training Program -
Moody’s
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