I’m Dragomir Volcinschi, a banking credit risk analyst helping businesses turn financial information into clear, decision-ready analysis.

My work covers SME and corporate borrower reviews, financial statements, repayment capacity, collateral, covenants and business risks. My background also includes internal audit and banking operations.

I can help with: • Corporate credit analysis, risk opinions and credit memo support • Cash-flow forecasts, DSCR, leverage and sensitivity analysis • Excel financial models, KPI dashboards and management reporting • Financial model reviews and spreadsheet control checks • AML/KYC control gap reviews and public-source business due diligence

You receive structured Excel workbooks and concise Word/PDF reports, with clear assumptions, findings and practical next steps. Scope, inputs, deadlines and revisions are agreed before work begins.

Languages: English, Romanian and Russian. Redacted documents are welcome. Please share only information you are authorized to disclose.

Services provide analytical support, not an audit, legal opinion or guarantee of financing. Final lending, investment and compliance decisions remain with the client.