Jonida Xhafa
Milan,Italy
Summary
Completed Intesa Sanpaolo International Talent Program with a focus on structured finance at ISP Head Office in Milan. Proven ability to lead complex financial structures. Possess strong analytical skills and proficiency in cash flow modelling, while ensuring meticulous attention to detail. Highly motivate and committed to continuous professional development and delivering results with high energy and ownership.
Overview
15
15
years of professional experience
5
5
years of post-secondary education
Work history
Vice President, IMI CIB, Debt Structuring IBD
Intesa Sanpaolo
Milan
11.2021 - 08.2025
- Structured complex transactions in Project Finance, Acquisition Finance, Real Estate and Corporate Finance for CEE clients.
- Facilitated international subsidiaries' growth through strategic deals support in the CEE region.
- Prepared and negotiated term sheets outlining key financing transaction terms.
- Concluded contractual negotiations, managing transaction lifecycle from structuring to closing.
- Liaised with ISP Head Office Credit Department to facilitate credit processes.
- Conducted financial analysis and financial modelling to evaluate financial health and liquidity.
- Performed thorough due diligence checks to support decision-making processes.
Senior Credit Analyst, ISP Credit Department
Intesa Sanpaolo
Milan
11.2020 - 10.2021
- Assessed credit proposals for Project finance, Real estate, and Corporate loans, exceeding local credit powers of international subsidiaries in CEE region, ensuring compliance with group policies.
- Conducted in-depth financial analysis to define clients' credit worthiness.
- Assessed business plans and investment projects.
- Recommended effective credit risk mitigation covenants, leveraging strategic insights to ensure the protection of financial interests while promoting responsible lending practices.
Corporate Specialist, Domestic Corporates CEE
Intesa Sanpaolo
Milan
11.2019 - 10.2020
- Facilitated execution of key deals across international subsidiaries in CEE region to strengthen connectivity of local and head office competence centres.
- Developed comprehensive financial projections through detailed evaluation of business models.
- Analysed market trends and local specifics to guide decision-making processes and strategy.
Senior Credit Analyst, Credit Department
Intesa Sanpaolo Bank Albania
Tirana
08.2014 - 10.2019
- Evaluated credit proposals for Project finance, Real estate, and Corporate loans, ensuring compliance with local and head office policies.
- Collaborated with cross-functional teams to develop effective credit strategies.
- Conducted thorough assessments of business plans and investment projects.
- Performed financial and ratio analyses to support decision-making.
- Recommended effective credit risk mitigation covenants, leveraging strategic insights to ensure the protection of financial interests while promoting responsible lending practices.
- Reconciled credit files meticulously, identifying discrepancies to guarantee accuracy.
Procurement specialist
Plus Communication (TMT Company)
, Albania
09.2010 - 07.2014
- Led contract negotiations with vendors, securing favourable terms and cost savings while ensuring compliance with company policies.
- Evaluated and negotiated vendor proposals to align with organizational objectives, balancing cost, quality, and delivery timelines.
- Collaborated cross-functionally to negotiate service level agreements and procurement terms, supporting operational efficiency.
Education
BANKING FOUNDATIONS TRAINING CERTIFICATE -
Università Cattolica del Sacro Cuore
07.2019 - 02.2021
UNIVERSITY DEGREE - FINANCE
University of Tirana
10.2005 - 07.2009
Skills
- Financial analysis
- Analytical skills
- Attention to detail
- Self-motivation and pressure management
- Organizational skills
- Cross-functional and team collaboration
Languages
English
Advanced
Italian
Advanced
Albanian
Native
Timeline
Vice President, IMI CIB, Debt Structuring IBD
Intesa Sanpaolo
11.2021 - 08.2025
Senior Credit Analyst, ISP Credit Department
Intesa Sanpaolo
11.2020 - 10.2021
Corporate Specialist, Domestic Corporates CEE
Intesa Sanpaolo
11.2019 - 10.2020
BANKING FOUNDATIONS TRAINING CERTIFICATE -
Università Cattolica del Sacro Cuore
07.2019 - 02.2021
Senior Credit Analyst, Credit Department
Intesa Sanpaolo Bank Albania
08.2014 - 10.2019
Procurement specialist
Plus Communication (TMT Company)
09.2010 - 07.2014
UNIVERSITY DEGREE - FINANCE
University of Tirana
10.2005 - 07.2009
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