Viktoriya Rutkovskaya

*** **** ** **. *** *B

Brooklyn, N.Y. 11230

Phone: 718-***-****

Email: Vikto riya.Rutko vskaya@g mail.com

Work Experience

Rabo bank I nternational New Yo rk, NY

Associate, Portfolio Manag ement, Credit Risk Management June 2013-pres ent

Currently prepare quarterly and s emi-annual management reports to measure portfolio quality and relev ant risks in the

context of emerging macroeconomic and agricultural issues, cyclicality, and gen eral market trends. Analyze th e portfolio

to ensure that k ey risk metrics o f con centration and exp osure remain within the Bank’s set guidelines. Incorporate farm

and agricultural research and macroecono mic data to provide explanations for observed trends . Attend weekly Credit

Committee meetings to record minutes as per decisions and reco mmendations on new and existing deals.

Rabo bank I nternational New Yo rk, NY

Associate, Credit Co mpliance Officer, Credit Risk Man agement August 2012- June 2013

Monitored monthly, quarterly, and annual finan cial stat ements and coven ant calculations fo r all accounts in Project

Finance, Stru ctured Finance, and Acquisition Finance p ortfolios. Initiated a pro cess fo r more thorough review of legal

documents and co mpliance pro cedures to co mply with the four-ey e principle. Co mmunicated closely with Credit Analysts

and Relationship Managers to input co mpliance requirements for new deals and monitor financial performance for

existing clients.

Research Experience

Barna rd College New York, NY

Senior Honors Thesis June 2011-May 2012

Utilized quantum mechanics to simulate complex reacti ons of petroleu m-relat ed materials using the superco mp uter at the

San Diego Supercomputer Center. Determined lifetimes of reactants and intermediates in the resulting reaction

mech anism by analyzing and organizing data fro m 68 o utput files generated by the supercomputer program. Gave fo rmal

oral and written presentations to students and acad emic faculty to d efend the Senior Honors thesis.

Education

Barna rd College, Col umbia University New Yo rk, NY

Bachelor of Arts with Honors May, 2012

Major in Chemistry, GPA 3.5

Rel evant Courses: Corporate Risk Management Phas e 1 and 2, Distressed Asset Management, Accounting, Principles of

Econo mics, Macroeconomics, Physics (with Calculus), Calculus II and III, Calculus for Business

Computer Experience and Skills

MS Excel, MS Word, MS Po werPoint, Linux/ Unix, Ru ssian (fluent), Spanish (pro ficient)

Activities

Member of Global Association of Risk Professionals (GARP), Rabo Connect for Wo men, Russian literature, French film

and language, Zumb a

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