Management Staff

Marina Kremer

*** ******** ***** ****

San Francisco, CA 94132

Phone: c 415-***-**** h 415-***-****

******.********@*****.***

TECHNICAL SKILLS: Credit Analysis, Financial Analysis, Risk Management, Audit.

• Extensive experience analyzing and structuring complex corporate credits, with sector expertise.

• Comprehensive analytical skills: financial ratio analysis, cash flow management, risk analysis.

• Sound understanding of accounting principles, statistics and economics.

• Current knowledge of investment instruments (stocks, bonds, derivatives).

• Excellent knowledge of financial modeling applications.

• Strong regulatory experience: Commissioned by the Federal Reserve Board to conduct safety and soundness bank examinations.

OTHER STRENGTHS:

• Excellent written and verbal communication skills.

• Strong leadership and interpersonal skills.

• Fluent in Russian (native-born).

EXPERIENCE:

Executive Director - Rabobank International, San Francisco CA May 2002 – February 2012

Selected for “Leadership for High Performance” Course and Mentor Program.

• Responsible for credit process and ongoing monitoring of 18 client relationships:

• Sectors include forest products, value-added, food processing, nursery, food retail, and restaurants.

• Developing and executing strategies to address exposures, profitability and credit deterioration.

• Responsible for preparing periodic industry research papers for presentation to the Credit Committee and Head Office in Utrecht, the Netherlands.

• Structuring, negotiating documents, and closing loans.

• Training and mentoring of staff.

Assistant Vice President – Sumitomo Mitsui Banking Corporation November 1999 – May 2002

• Junior officer for 20 credit relationships. Sectors included semiconductors, capital equipment, electronic manufacturing services, software, IT services and IT distribution.

• Conducted due diligence, credit approval, structuring, negotiation, and documentation.

• Responsible for semi-annual reporting for high-risk/troubled credits for presentation to Head Office in Tokyo.

Safety and Soundness Examiner – Federal Reserve Bank 1992 – 1999

• Responsible for conducting safety and soundness examinations of foreign banks operating in the United States.

• Managed examinations of complex banking organizations with $2-3 billion in assets.

• Determined financial organizations’ financial condition, adequacy of risk management, soundness of operational controls, existing or potential risk exposure, and compliance with applicable laws and regulations.

• Performed extensive asset quality reviews.

Selected for a Joint Project between the Board of Governors and the International Monetary Fund to provide technical bank supervision assistance to the National Bank of Moldova:

• Provided on-site safety and soundness examination training to staff examiners for the National Bank of Moldova.

• Shared best examination practices with the staff examiners for the National Bank of Moldova.

• Developed a set of risk procedures and guidelines for use by the staff of the National Bank of Moldova.

• Worked on-site with local examination staff on four separate projects, on issues ranging from fraud, insolvency, poor asset quality, etc.

• Summarized examination findings in a report presented to the Resident Examiner (appointed by the International Monetary Fund).

Accounting Coordinator – Federal Reserve Bank 1990 – 1992

• Monitored daily float for the entire San Francisco district, involving up to $500 million per day in volume.

• Trained and supervised staff.

Senior Financial Reports Analyst-Federal Reserve Bank 1986-1990

• Analyzed financial data on the largest commercial banks in the 12th District.

• Investigated data aberrations by interfacing with financial institutions and reported findings to the Board of Governors.

• Trained new analysts.

Privately-Held Companies Analyst – Bank of California 1982-1986

• Analyzed and summarized account information for Special Asset Trust Committee monthly meetings.

• Reconstructed holdings of privately-held securities from customer files and designed standardized presentation reports.

• Investigated sale opportunities for companies with limited markets.

EDUCATION: San Francisco State University Bachelor of Science awarded in Business Administration/Finance

Golden Gate University MBA/Finance

References: Provided upon Request

Contact this candidate