Miroslav Bernat

Implementing up-to-date technologies enabling customers to achieve their business objectives much easier and, simultaneously, to make sure they stay secured against potential loss and cyber threats. Performing the digital transformation of customers to increase their competitiveness and to handle contemporary demanding requirements upon the same or lower costs.

urrently I am staying in Norway focused to my private projects and studies of local realities and customs. I live in a multicultural and multinational environment in an urban conurbation where I combine work-life balance style with a healthy dose of adrenaline acquired by means of various sports activities.

Managed 3 expert professional teams specializing in trade/structured finance, factoring and monitoring/administration of claims and receivables. Oversaw daily front-office, sales and administrative activities (including Early Warning System, as well as, all verification, approval, collection and dunning/enforcement procedures within receivables management system).

Slovenská sporiteľňa is the largest bank in Slovakia with a vast range of financial services oriented to retail and corporate customers. Receivables financing/administration/investigation is one of the expertise tools offered by the bank on the highest level of professional attitude towards clients in the country.

Provided in-depth support for trade/export & structured finance and corporate banking product/business development as part of the newly formed Trade & Structured Finance (TF) team. Contacted and met with prospective clients to sell the bank’s TF products and to negotiate contract terms and conditions. Drafted detailed transaction proposals; contributed to revisions and updates of internal policies, rules and regulations. Participated in training and coaching of branch employees.

Managed all facets of daily operations, including marketing and sales, P&L, budget and cost control, KPIs definition, office administration, HR/mentoring/couching, risk and receivables management, CRM and EWS systems,accounting/payroll, legal, IT management and development. Identified and pursued business prospects. Fostered critical client relationships and business alliances to drive competitive advantage and sales of corporate loans and receivables purchase.

Drew on expertise in corporate/transaction banking and trade/structured finance to develop and implement IT banking solutions, to review and complete Requests for Inquiry/Requests for Proposal, and presentation of proposed IT systems and banking solutions to prospective clients in Russia, the Czech Republic, Hungary and Slovakia.

Conducted strategic commercial planning, forecasting and budgeting, while overseeing all aspects of daily operations and forging/maintaining strong client relationships. Participated in domestic/international events with prospective and existing clients

Managed the processes of credit line financing, export buyer’s credits, primary/secondary forfaiting, project finance, and discounting of promissory notes and bills of exchange. Played a key role in supervision of relationship account managers and the commercial officers team. Trained, evaluated and mentored corporate branch and sub-branch network staff. Reviewed and revised marketing plans and scheduling. Assessed creditworthiness of debtors and non-residents.

Actively participated on testing and implementation of new IT banking system (HOGAN, Dun&Bradstreet); Accounting, reporting, surveys were daily based operational activities. Performing training programs within VUB branch network was a MUST since IT system represented the break-through in existing banking system;

Active education, translation and interpretation activities. Supervision of several classes determined for English language teaching services (active lecturer supported by other hired lecturers). Translation and interpretation activities in various fields such as, telecommunications, construction, banking, education, insurance, engineering, energy, chemicals and the like.

Responsible for phonetics and phonology aspects of speech research; There was a vital international cooperation in analyses, tests, reports, publication of results and consultations; Dealt with language samples preparation, linguistic analyses and recommendations, transcription of texts to pronunciation version; Cooperation with speech recognition research teams worldwide was in place.

"Offset agreements represents trade in e.g. military goods and services and are alternatively called as industrial compensations, industrial cooperation, offsets, industrial and regional benefits, balances and are mainly defined as mechanisms more complex than counter-trade"

Philosophy and Slovak/English language and literature