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Роман Ђелић

@romandjelic

Credit Analyst at Alta Bank a.d. Belgrade assessing corporate credit risk and preparing proposals for credit committees.

Serbia

Message

At Alta Bank a.d. Belgrade, I evaluate corporate clients’ creditworthiness by analyzing financial statements, ratios, credit history, and market conditions. I prepare credit proposals and present risk assessments to credit committees, covering facilities across Serbian and Macedonian markets.

At Philip Morris International, I analyzed and reported cost-center expenses and identified cost optimization opportunities. I’m also pursuing an M&A and Valuation Specialization covering DCF valuation, LBO mechanics, and transaction analysis.

Experience

Work history, roles, and key accomplishments

Current

Credit Analyst

Current

Alta Bank a.d. Belgrade

Feb 2023 - Present (3 years 9 months)

Evaluate creditworthiness of corporate clients through analysis of balance sheets, income statements, and cash flow statements. Assess financial ratios, credit history, and market conditions to determine probability of fulfilling financial obligations.

Financial Statement Analysis Credit Risk Assessment Financial Ratios Cash Flow Analysis Credit Proposals

English Proofreader

Freelancer.com

Jan 2020 - Dec 2022 (2 years 11 months)

Edited professional documents and business materials for international clients.

Proofreading Editing English

Financial Controlling Intern

Philip Morris International

Jun 2022 - Nov 2022 (5 months)

Analyzed and reported expenses by cost center as part of the cost governance team. Drove budget accountability and identified cost optimization opportunities across departments.

Cost Controlling Budgeting Expense Analysis Financial Reporting

Intern – Accounting

Accounting Agency Lajić

Jan 2019 - Dec 2019 (11 months)

Assisted with bookkeeping and general accounting tasks.

Bookkeeping Accounting

Intern – Corporate & SME Banking

Jubmes Bank

Jan 2019 - Dec 2019 (11 months)

Rotated through corporate, financial business, and SME sectors.

Education

Degrees, certifications, and relevant coursework

Coursera

Specialization, Mergers and Acquisitions

Ongoing M&A and Valuation Specialization from the University of Illinois Urbana-Champaign, covering deal design, capital structure, LBO mechanics, APV modeling, and M&A transaction analysis. Course 1 completed in March 2026.