Ülar Kirikal
Tallinn
Summary
Proven leader in credit analysis at LHV Pank AS, adept in critical thinking and fostering teamwork. Excelled in fast-paced environments, significantly enhancing team capabilities and mentoring team members.
Overview
20
20
years of professional experience
Work History
Head of Credit Analysis
LHV Pank AS
12.2016 - 04.2024
- Self-motivated, with a strong sense of personal responsibility.
- Worked effectively in fast-paced environments.
- Proven ability to learn quickly and adapt to new situations.
- Worked well in a team setting, providing support and guidance.
- Demonstrated respect, friendliness and willingness to help wherever needed.
Credit Analyst
LHV Pank AS
11.2011 - 12.2016
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Made decisions and recommendations about extending lines of credit.
- Mentored junior analysts, sharing best practices and fostering their professional development in credit analysis techniques.
Senior Consultant, Advisory Services
PricewaterhouseCoopers, PWC
10.2007 - 07.2011
- Supported clients with business analysis, documentation, and data modeling.
- Managed multiple deadlines across several businesses to meet dynamic needs of multiple clients.
- Gained experience in due diligence, enterprise/asset valuation, cost-benefit analyses, purchase price allocation, impairment testing.
Audit Senior
PricewaterhouseCoopers, PWC
07.2004 - 08.2006
- Developed strong relationships with clients, addressing concerns promptly and providing timely updates on progress throughout the engagement process.
- Assisted in the preparation of audit reports, presenting findings clearly and concisely to senior management for review.
- Conducted walkthroughs of various business processes, gaining an in-depth understanding of operations while identifying potential control weaknesses.
Education
Master of Science - Corporate Governance
Hanken School of Economics
Helsinki12.2010
Bachelor of Science - Business And Economics
Stockholm School of Economics in Riga
Riga06.2005
Skills
- Friendly, Positive Attitude
- Teamwork and Collaboration
- Critical Thinking
- Problem-Solving
Languages
Estonian
Native language
English
Proficient
C2
Russian
Upper intermediate
B2
Finnish
Intermediate
B1
Timeline
Head of Credit Analysis
LHV Pank AS
12.2016 - 04.2024
Credit Analyst
LHV Pank AS
11.2011 - 12.2016
Senior Consultant, Advisory Services
PricewaterhouseCoopers, PWC
10.2007 - 07.2011
Audit Senior
PricewaterhouseCoopers, PWC
07.2004 - 08.2006
Master of Science - Corporate Governance
Hanken School of Economics
Bachelor of Science - Business And Economics
Stockholm School of Economics in Riga
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