Marjut Holmberg
Stockholm
Summary
Accomplished credit and risk analyst with extensive experience in financial analysis, compliance management, and team leadership. Proven ability to assess creditworthiness and negotiate disputes, resulting in improved loan profitability and operational efficiency. Committed to leveraging analytical skills to support strategic business initiatives and enhance team performance.
Overview
13
13
years of professional experience
Work History
Operation manager
Savelend Billecta Ltd
Stockholm
01.2020 - 01.2021
- Managed team of 5 operations associates, assigning tasks and evaluating performance to enhance team capabilities.
- Collaborated with other operations managers monthly to reinforce effective training and optimal staff utilization.
- Coordinated with other operations managers to reassign employees for coverage, ensuring seamless operational continuity.
- Reviewed and approved weekly timesheets for accuracy and compliance. and run bi-monthly payroll.
Credit & risk analyst
DNB-Norwegian Bank
Helsinki
01.2019 - 01.2020
- Supervised team of credit risk analysts, coordinating communication between analysts and management.
- Analyses financial data, such as market share and income growth, to determine expected loan profitability.
- Negotiated credit disputes with loan office personnel to resolve issues effectively.
- Developed marketing strategy to attract car retail banking clients, leading to loan origination of 80€ million per year.
Executive assistant in engagement team
AMEX Global Commercial Credit & Underwriting
London
01.2018 - 01.2019
- Developed reports and presentations to support executive decision-making.
- Acted as the point of contact between executives and internal or external colleagues to facilitate communication.
- Coordinated meetings and secured meeting rooms to ensure efficient scheduling.
- Managed incoming correspondence for managers.
Commercial credit insurance analyst
AMEX Global Commercial Credit & Underwriting
London
01.2016 - 01.2018
- Prepared summary of credit decision/recommendation for new applications, existing customer requests and annual reviews.
- Reviewed and assessed customer account portfolio for sales order releases and credit extensions.
- Maintained and monitored customer credit limits to ensure alignment with risk management policies.
- Assisted in constructing financial budgets, forecasting, and reviewing cost analysis to support informed decision-making.
- Maintained departmental records for bad debt allowances, risk reports, cash projections and any other pertinent Credit/A/R related records.
- Monitored delinquent accounts to facilitate timely collections.
- Engaged customers to address and resolve overdue account balances.
- Conducted calls and sent emails to customers about past due accounts.
Senior Commercial Credit Analyst
AMEX Global Commercial Credit & Underwriting
London
01.2014 - 01.2016
- Prepared credit analysis for new and renewed loan requests in the following industries: Real Estate, Manufacturing, Advertising and Wholesale Distribution.
- Analyzed and spread corporate and personal financial statements to assess creditworthiness and inform lending decisions.
- Analysed proposed loan structures and evaluated customers' repayment sources.
- Monitored credit exposure post-transaction to ensure compliance with lending agreements.
- Assessed collaterals, calculated covenant ratios, reviewed A/P & A/R aging and credit reports.
- Supported commercial lending officers in underwriting and documenting loan requests, enhancing loan approval process.
- Provided support as backup for the credit manager during vacations. Provided support for the credit manager during vacation periods.
Board of Directors
TallinkSilja Ltd
Stockholm
01.2014 - 01.2016
- Supported senior-level M&A decisions through due diligence and integration analysis, enhancing strategic alignment.
- Assessed HR cultural compatibility and talent impacts to facilitate business growth initiatives.
- Prepared preliminary annual salary increases for 80 employees across departments, ensuring budgetary accountability.
- Increased the nominal value to 2 to 3% under the relevant terms and conditions.
Complaint Senior Handler
AMEX Global consumer credit operations
Stockholm
01.2008 - 01.2012
- Trained new employees and cross-functional teams on effective complaint handling procedures.
- Developed timelines for complaint investigations, ensuring timely reporting and resolution of complaints.
- Works independently to investigate complaints in compliance with company procedures using designated databases and CIS systems.
- Demonstrated comprehensive knowledge of credit practices, laws, and regulations through evaluation of quantitative data across operations teams.
- Mentored junior specialists to improve financial profiling skills.
- Served as backup for the credit manager during periods of vacation.
- Provide high net worth clients with specialized banking solutions to meet their individual and business needs.
Education
Bachelor of Business Administration - Marketing, Economics
Turku School of Economics
01-2016
Human resource management - Case Law, Collective bargaining agreements, Individual employment contracts, Employer decision making in Sweden
Unionen, Stockholm University
01-2016
Skills
- Financial oversight and reporting
- Budgeting and financial planning
- Accounting and compliance
- Risk management strategies
- Operational efficiency
- Project management
- Team leadership
- Analytical skills
- Technology proficiency
- SQL and SAS expertise
- Microsoft Office applications
- Time management strategies
- Decision making skills
- Client service excellence
- Effective communication skills
- Conflict resolution
Contact
https:/www.linkedin.com/in/marjut-holmberg-1715301b
Languages
- Swedish
- Finnish
- English
- German
Accomplishments
- Top Performer Award 2019 - Collect all historic outstanding balances - UK
- Top Performer Award Q4 2019 - Support Team on the Senior Credit Specialist's absence - UK
- High Five Award Q4 - Translating BTA letters
- Top Performer Q4 2019 - Support Engage Team - UK
Timeline
Operation manager
Savelend Billecta Ltd
01.2020 - 01.2021
Credit & risk analyst
DNB-Norwegian Bank
01.2019 - 01.2020
Executive assistant in engagement team
AMEX Global Commercial Credit & Underwriting
01.2018 - 01.2019
Commercial credit insurance analyst
AMEX Global Commercial Credit & Underwriting
01.2016 - 01.2018
Senior Commercial Credit Analyst
AMEX Global Commercial Credit & Underwriting
01.2014 - 01.2016
Board of Directors
TallinkSilja Ltd
01.2014 - 01.2016
Complaint Senior Handler
AMEX Global consumer credit operations
01.2008 - 01.2012
Human resource management - Case Law, Collective bargaining agreements, Individual employment contracts, Employer decision making in Sweden
Unionen, Stockholm University
Bachelor of Business Administration - Marketing, Economics
Turku School of Economics