Email address: ; ;

CURRICULUM VITAE

1. Family name: Staicu

2. First names : George Florin

3. Date of birth: November, 22,1958

4. Nationality: Romanian ; Citizenship: Romanian

5. Education:

Institution [ Date from - Date to ] / Degree(s) or Diploma(s) obtained:
■United States Agency for International Development – 4 months on the job training in US financial-banking institutions : 1 commercial bank, 1 federal savings bank, 3 credit unions and 1 investment company - Jan-May 1995 / ■Certificate of achievement
■Graduate of the USA Credit Union National Association’s “Staff Training and Recognition Program” (STAR): certificates of achievements in the following areas : Credit Union Orientation , Member relations, Credit Union Security, Negotiable instruments, Member services, Cross selling, Loan interviewing, Loan processing, Collections, Basic accounting, Accounting for credit unions and Credit union financial analysis - Jan-May 1995 / ■Certificates
■Turkish Banks Association – 6 months scholarship for banking training – Istanbul - Centre for Banking Studies ; May-November 1993 / ■Certificate of achievement
■Academy for Economics , Faculty of Finance-Accounting – Bucharest, Romania ; 1982 – 1987 / ■Master of Science in Finance - Accounting

6. Language skills: (5 fluent, 1 begin.)

Language / Reading / Speaking / Writing
Romanian ( native) / 5 / 5 / 5
English / 5 / 5 / 5
French / 5 / 3 / 3

7. Membership of professional bodies:

  • Founder, owner and member Microfinance Best Practices Group on Linkedin (which contains 18 specialized subgroups) (
  • World Bank Development Debates ( )
  • Dgroups - Development through dialogue;
  • Consultative Group to Assist the Poorest/Microfinance Gateway – member of the CGAP/MG’ s pool of consultants in microfinance ( ) ;
  • UN Volunteers and UN Online Volunteers (May 2010)
  • The Palladium Execution Premium Community - XPC - business strategy balanced scorecard (June 2010)
  • Member of the SEEP Network communities - (
  • European Savings Banks Group - member of the Management Committee – 11. 1997 – 03.2002;
  • Professional Risk Manager’s International Association ( PRMIA) – Member – December 2005;

8. Other experienced skills:

  • Translator / interpreter / proofreader English – Romanian Romanian – English ;
  • Microsoft Office (Word, Excel, PowerPoint, Access) ; IBMSPSS Statistics 18 (formerlySPSS - Statistical Package for the Social Sciences); Lotus notes; GAAP;Ability to learn, abilities to analyze and synthesis, technical thinking, spatial representation, mathematical reasoning, abstractive ability , logical and analogical reasoning, numerical and verbal memory, creativity, flexibility, abilities to analyze and organize, to work under stress, to motivate colleagues and subordinated staff, to take decisions, to negotiate, to coordinate and to meet deadlines, interpersonal communication ability, team player

9. Present position:International freelance consultant/trainer/coach in the banking – microfinance – public finance areas

10. Years within the firm: self – employed consultant since July 2003

11. Key qualifications:

  • More then 22 years of experience in banking , microfinance and public finance consultancy :
  • 15 years working with the Romanian Savings Bank (the largest retail bank in Romania with more then 1 billion USD balance-sheet and more then 11,000 units as of December 2002) having several positions from Loan officer to the General Director of the Strategy and Controlling (Financial Management) division;
  • 7 years working as consultant in the areas of business strategy, corporate governance, operational planning, budgeting, asset and liability management, risk management [Basel II , liquidity, market (interest rate, foreign exchange) strategic, technologic, money laundering and reputational risks], credit management, financial management, accounting, internal control systems, internal audit and public finance that I have gained on international donors funded projects for Vietnam Bank for Agriculture and Rural Development, Kosovo Enterprise Program (leading microfinance institution in Kosovo) , KosInvest (leading microfinance institution in Kosovo); State Treasury of the Romanian Ministry of Finance, Romanian National Customs Authority and the Romanian Border Police
  • 8 years providing advisory services to bank and microfinance institutions’ CEOs and Vice-presidents / Deputy General directors at Romanian Savings Bank, Vietnam Bank for Agriculture and Rural Development, Kosovo Enterprise Program (leading MFI in Kosovo) and KosInvest (another MFI in Kosovo).
  • More then 10 years experience in organizing and delivering training seminars and workshops as well as in the areas of coaching and on-the-job training in the fields of asset & liability management, risk management, financial management, bank strategic planning, financial and managerial accounting, budgeting, operational planning; financial mathematics, etc.
  • Professional expertise and proven achievements in the following areas: General management; Bank management; Bank organizational restructuring and preparation for privatization; Corporate governance; Strategic management, restructuring, forecasting, budgeting and operational planning; Project Management; Risk management - Basel II compliant (Credit Risk, Equity Investment Risk, Market Risk, Liquidity Risk, Rate Of Return Risk, Operational Risk.); Asset & Liability Management; Credit management; Marketing management; Market research; Anti-Money Laundering Internal control system & Internal Audit; External audit;; Microfinance institutions organizational restructuring;; Bank / microfinance software selection and implementation; Management accounting and financial modeling; Bank & Microfinance products and services ; Marketing; Human resources management; Islamic banking for SMEs;Training, Training needs assessments, Training curricula and Setting-up of Training Centers; etc.
  • Proven working experience with international donors such as EU, World Bank, French Development Agency, UK- DFID and excellent knowledge ofEU technical assistance development programmes, EUprocurement and reporting procedures as well as of the EU financial regulations / directives ;

12. Specific country experience:

Country / Date from - Date to
Romania / April 1998 – July 2003; Sept. 2005 – April 2006; Jan 2008 – March 2008; Feb 2009 – May 2010
Kosovo / July 2003 – Dec. 2004; June 2008 – Nov 2008
Vietnam / Aug. 2006 - June 2007

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Email address: ; ;

13. Professional experience record

Date from - to / Location / Company / Position / Description (Project, Task)
15-16 February 2011 / Singapore / Pinnacle Training Group – Singapore; / Training expert / 2011 February 15 – 16 , SME credit masterclass - Lending & financial analysis – Training provided to banker from Singapore, Malaysia, Bangladesh and Brunei; Topics covered :
Day One -Understanding The SME Business [Importance of SMEs sector for the economy; Overview of financial risk and business risk; Summary of the key issues that the banker has to focus on when lending to SMEs (financial analysis, ratio analysis , credit analysis, cash flow, cash flow based lending, break-even analysis, SME loan portfolio cost and profitability; Deciding on the criteria for client selection; What are the characteristics of businesses that you want to deal with? ; Do SMEs have different credit profiles to larger corporate? ) ; Designing And Marketing The Right Products For The SME Market (Linking your understanding of SME characteristics to SME credit products; Asset-based finance-key principles; Marketing to SMEs; Assessing business plans; Visiting the customer's premises; Environment & lending; Case Study); The Operating Cycle Of A Business And How It Is Financed (An overview designed to stimulate participants intothinking how a business cycle works and how it isfinanced; Case Study); Evaluation Of Risk In The Operating Cycle (Business risk; What is the nature and viability of the business assets?; Financial risk; How much outside financing is required to complete the operating cycle?; Performance risk; How well are expenses controlled?;Management risk; Management are the key to identifying and minimizing all risks in a business; The 5 Cs of credit) –
Day Two: Overview Of SME Finance In Asia; Islamic Finance; Risk Management in Islamic Finance; Financial Analysis Of SMEs (Corporate structure & financial analysis;What are you analyzing?) ; Pro Forma Consolidations And Adjustment Of Financial Statements (The cash flow cycle and its relevance to growing companies, to working capital and to SME product design; Ratio and cash flow analysis; How do SMEs manipulate their financial statements, and how do you compensate for that? ; Sustainable operating cash flow & profits: the key concerns of lenders; Case study) ; Credit Proposals (Risk Analysis of the proposal; Considerations of borrowers’ foreign exchange exposure; Loan documentation and collaterals; Settlement and drawdown; After the deal is done; Other Considerations (Annual review; Managing and monitoring loans: Portfolio management; Warning signals of failure by SMEs; Accountability; Going forward: SMEs & credit scoring; Case study).
February 2009 – present; / Bucharest, Romania / JobMate - Webing International S.R.L; / Banking & microfinance trainer / Project: Banking & Microfinance Training Seminars for students and young university graduates
Presenting banking & microfinance training seminars for Job Mate - Webing International S.R.L on the following topics: financial mathematics/the time value of money; accounting; corporate governance; strategic management; modern performance analysis; internal control systems; internal audit; financial & credit analysis (cash /non collateral based lending); loan portfolio management; marketing & customer relationship management; SME credit scoring; branch management; project evaluation; Activity Based Costing; asset & liability management; risk management: credit, liquidity, operational, market (interest rate, foreign currency) ; reporting for regulatory and internal management purposes.
June – November 2008 / Pristina - Kosovo / KosInvest -World Vision International - Kosovo (a Micro Finance Institution); / Microfinance Financial & Risk Management expert; Funding agency: European Fund for Southeast Europe / Project : Financial Management support to KosInvest-World Vision International - Kosovo (a Micro Finance Institution); Funding agency: European Fund for Southeast Europe
Responsibilities:
  • Coaching the management team (especially the CFO)in the areas of risk & financial management / modeling.
  • Organize dedicated training on costing, risk & financial management / modeling to relevant staff;
  • Install costing, financial management / modeling and controlling tools, including liquidity management;
Install an extended ALCO and risk management policies and procedures focusing on financial risks (review and upgrade of procedures and job descriptions, coaching of ALCO meetings);
  • Advice on strategic business & financial planning (budgeting) ;
  • Advice on the proposal for introducing saving / deposits activity in KosInvest.

Jan – March 2008 / Bucharest -Romania / Romanian Border Police & Romanian National Custom Authority;
Sofreco (France) / Finance Expert / Project : Romanian Border Police (RBP) & Romanian National Custom Authority (RNCA) - RO2005/017-553.03.04.01.04 "Development of the Romanian Border Police and National Customs Authority Internal Control Function, Romania " financed by EU Phare
Responsibilities
a)support the border police and the customs authority in their long term objectives and to put in place the framework for ensuring the respective institutions’ self-sufficient sustainable capacity for designing and implementing a comprehensive and coherent strategy for the internal control function;
b)increase the institutional capacity to realize an effective management of internal control as a management function.
c)organization-wide assessment of the RBP and NCA managerial capacity to adopt and implement an appropriate Internal Control function and selecting the relevant staff to create the Training Target groups.
d)organization and delivery of training seminars in the area of Public Internal Finance Control to 600 employees of RBP & NCA
Other tasks:
  • translation into English of the Romanian legal framework governing the Romanian Border Police & Romanian National Custom Authority ;
  • translation of expert’s reports from English into Romanian; proofreading the translations performed by other hired translators;
  • interpreter English –Romanian & Romanian English for the meetings between foreign consultants and Romanian representativesof the Romanian Border Police (RBP) & Romanian National Custom Authority;

Aug 2006 - June 2007 / Hanoi-Vietnam / Vietnam Bank for Agriculture and Rural Development; / Banking expert
Funding agencies: IBRD WB Hanoi; Agence Française de Développement Hanoi / Project: Intra-bank payment and customer accounting system phase 2, (IPCAS) ; funding: World Bank & the French Development Agency:
Responsibilities: advise/support the Vietnamese Bank for Agriculture and Rural Development – Hanoi, in reviewing current business strategy; restructuring the HQ and branches in line with the new business strategy and the new banking application; defining reporting requirements that meet international best practices; advising on banking operations and bank internal regulations; providing recommendations for the bank modernization and international integration; preparing training assessment report; presenting seminars on Management of modern bank; Modern banking business; Advanced Technologies in Banking, Risk management (credit, market, operational, strategic, technological, compliance, money laundering risks) including Basel II Accord and Sarbanes –Oxley)
September 2005 – April 2006; / Bucharest, Romania / State Treasury of the Ministry of Public Finance – Romania;
Human Dynamics / Finance-Accounting & IT Expert / Project: Improving the State Treasury management system of the Ministry of Public Finance -Romania ; funding: UE Phare/Europe Aid ; diagnostic study of the State Treasury legal framework ,organization, IT systems, MIS, internal policies and procedures; improvement of the organization and performance of the treasury system through the strengthening of capacity to manage the State’s financial resources, according to European standards in force.
Responsibilities
  • -improving the legal framework in the field of treasury and public debt in order to manage with maximum efficiency and minimum risk the State’s financial resources
  • -improving the management system of the State Treasury and of the public debt through the implementation of a reliable medium-term liquidity prognosis system which will provide information and analysis for deficit financing decision making process
personnel training to improve the capacity for Treasury liquidity management, to optimize the financial flows and development of operations specific to the management of the single account of the State Treasury;
Other tasks:
  • translation into English of the Romanian public finance legal framework; translation of expert’s reports from English into Romanian;
  • proofreading the translations performed by other hired translators;
  • interpreter English –Romanian & Romanian English for the meetings between foreign consultants and Romanian representatives of the Romanian Border Police (RBP) & Romanian National Custom Authority ;

July 2003 - Dec 2004 / Pristina-Kosovo / Kosovo Enterprise Program / Finance & Administration Manager;
Funding Agency: Kosovo Enterprise Program / Project: Finance & Administration improvement of Kosovo Enterprise Program
Responsibilities:
  • Institution building, development and transformation of KEP.
  • Coordinating the designing and implementation of business strategy, annual operational plans/budgets.
  • Designing of policy manuals in the areas of risk management, business planning (business strategy & operational plans /budgets), Micro& SME lending, finance-accounting, marketing, internal control (including external & internal audit), loan portfolio risk management, administration;
  • Coordinating the designing & implementation of new loan products for Micro & SMEs ( including in the rural farming area) and services ( transfers, payments, consulting); Coordinating the designing of KEP web site structure and content;
  • Coordinate the recruitment, training and development of local staff. Member of the selection and recruitment committee for the areas of lending, finance and administration.
  • Member of the senior management team in charge with the refinement of the Human Resource policy manual;
  • Coordinating the designing, implementation and administration of KEP's MIS, accounting and loan tracking system; designing draft proposal for donor/investor fundraising for Micro & SME financing; meetings with Central Bank, Ministry of Finance, Tax Administration Office related to the microfinance legal framework area;
  • Member of the senior management team in charge with the setting-up of KEP's TrainingCenter (market training needs assessment; training curricula development and the promotion strategy for the KEP's TrainingCenter (market awareness);
  • Presentation of training seminars for the staff of KEP, other MFI's staff, banks staff and for the micro & small entrepreneurs;
  • Managing the financial statements, budgets of the 7 branch network including all aspects of planning and implementation of financial targets, reporting, institutional representation;

July 2003 - Dec 2004
Pristina, Kosovo / Pristina-Kosovo / Kosovo Enterprise Program (KEP) / Trainer / Project: Human resources development of KEP’s staff
Responsibilities: organizing and presenting seminars ( including work-group case-studies ) at the Kosovo Enterprise Program’s Training Center in the following areas “Business planning (business strategy and operational planning/budgeting)”; “Business – microfinance concepts & terminology”, “MFI management”, “MFI products and services”, “MFI loan portfolio and risk management” ; “Loans marketing” “MFI Accounting and management information systems”, “Fundamentals of accounting ”, “Financial – accounting”, “Financial statements analysis [ratios & credit analysis ( liquidity, efficiency, solvency, profitability)]” , “Financial mathematics ”, “MFI business planning”; “MFI marketing”; “Micro and SME credit and financial analysis;;” Micro & SME risk management”; “Decentralization measures in the accounting and administration areas”; “MFI branch network performance management” ; “MFI staff incentive schemes designing and implementation” ;”MFI rating systems and assessments”; “Micro & SME management , accounting/finance/marketing” .
2002 - July 2003
Bucharest-Romania / Bucharest-Romania / Romanian Savings Bank / Advisor –Strategy and Controlling (Financial Management) / Project: Advising and designing policies and reports in the following areas:
strategic planning, financial management, risk management (according to the best practices of credit, market, operational, liquidity, compliance, technologic, strategic and money laundering risks) , Anti-Money Laundering and branch network performance management;
Other tasks:
  • coordinator and contact person of the 2002 IAS/IFRS external audit of the bank; contact person for the European Savings Banks Group and World Savings Banks Institute; Head of the Commission for the assessment of the consulting services provided during 1997-2002 to the Romanian Savings Bank by external consultant international organizations and of the proposed consulting services for 2003-2004
  • translation from English into Romanian of banking research documents on anti-money laundering and anti-terrorism financing ; internal control system; etc.;
  • proofreading the translations performed by other hired translators;
  • interpreter English – Romanian & Romanian English for the meetings between representatives of EU, IMF, World Bank, EBRD etc and the senior management of the bank;