Gloria Kulbatzki CFA

Risk Management Advisory Services: Anti-Money Laundering I KYC I Financial Crime Risk I Fraud Investigation I Regulatory Risk I Compliance I Credit Risk

In-depth evaluation of financial, operational and fraud risks of German SME customers. Continuous monitoring of information requirements including financial reporting as well as KYC documentation; Identification of solutions for customers with foreign subsidiaries and complex banking needs; Coordination of cross-border customer coverage within the HSBC group network by working closely with other countries and product groups.

Credit risk analysis of a portfolio of German small and medium-sized enterprises including financial statement analysis, forecasting, income and cost modeling as well as sensitivity/scenario analysis; Responsible for proposing credit grades based on the internal credit scoring tool and ensuring new business exposure is in line with HSBC risk appetite policy; Continuous monitoring of covenant compliance as well as creditworthiness of the portfolio including analyzing monthly and quarterly reports.

Credit risk analysis of a portfolio of European large corporates and MMEs operating in various industries. Responsible for proposing credit grades via the internal rating tool and identifying business and financial risks of the clients. Assisting the Relationship Manager in identifying business opportunities and profitability of deals making sure exposure is in line with the Bank’s risk/return strategy.

Covering a portfolio of large and medium-sized corporates operating in various sectors of the European bond markets; Assessing the business and financial risks of the enterprises based on industry reports, competitive positioning, financial statement analysis as well as verifying the plausibility of company business plans; Responsible for writing and presenting credit rating recommendations for committees, preparing presentations for clients and publishing credit rating rationales.

Collection and reporting financial data of the international Mercedes-Benz distribution partners; Creation of a financial model to derive country-specific target rates of return for Mercedes-Benz distributors; Enhancement of controlling systems for dealerships worldwide; Development of operating and financial best-practice guidelines for global distributors; Research and presentation of macroeconomic data using internal and external sources of information (i.e. Bloomberg, Capital IQ).

Entrepreneurship and Business Development, Corporate Finance and Financial Services, Corporate Restructuring and Corporate Recovery

International Financial Management, Cost and Management Accounting

Accounting, Controlling, International Management