Aida Koci

Evaluated a high volume of credit cases and contributed to Credit Committee decisions on approvals, loan structuring, and risk mitigation. Supported credit policy development, NPL/underperforming exposure resolution, and process improvements including an overdraft interest calculation workaround.

Assessed SME and business credit risk using financial statement and borrower data analysis, including site visits for complex cases. Contributed to credit risk policy standards for the Kosovo market and provided coaching and training for new business lending staff.

Coordinated lending activities across multiple branches, managing a team and overseeing portfolio growth, profitability, and credit quality. Led client acquisition initiatives, conducted site visits, and trained and mentored staff to support business lending performance.

Managed daily operations of a full-service branch including lending, operations, and customer service. Developed new business through deposit and loan products, supported achievement of branch sales targets, and coached staff to strengthen performance and customer relationships.

Managed a business client portfolio and conducted financial analysis and credit assessments to support lending decisions. Worked on client acquisition and maintained long-term relationships while progressing through increasingly responsible credit roles.

Supported coordination with regional institutions and helped prepare meeting minutes and weekly reports on economic developments.

Assisted refugees and internally displaced persons with shelter, food, and medical access, coordinating with NGOs. Conducted site visits to monitor living conditions and participated in regional coordination meetings.

Pursuing a Master’s degree in Organizational Behavior & Social Psychology at AAB University.

Earned a Bachelor’s degree in Business Administration & Marketing at AAB University in Prishtina.