Main tasks: • Prepare and deliver lectures to undergraduate and graduate students on topics such as: - “Insurance Business”, “International Finances” – III year students; - “Finances of Organizations”, “International Banking”, “Monetary and Securities Markets” – IV year students; - “Current Problems of Financial Insurance” and “Fiscal Policy” – I year Master’s students; - “Capital Market”, “Corporate Finances” – II year Master’s students. • Prepare course materials such as syllabi, homework assignments, and handouts. • Evaluate and grade students' class work, assignments, and papers. • Compile, administer, and grade examinations, or assign this work to others. • Keep abreast of developments in the field by reading current literature, talking with colleagues, and participating in professional conferences. • Maintain student attendance records, grades, and other required records. • Initiate, facilitate, and moderate classroom discussions. • Maintain regularly scheduled office hours to advise and assist students. • Select and obtain materials and supplies such as textbooks. • Plan, evaluate, and revise curricula, course content, course materials, and methods of instruction.

Duties included, but were not limited to the following: • Organizing of work distribution in the Division • Control over work performance in the Division • Acceptation and study of applications for credit lines by cards • Getting all the documents and information (by the necessity) from borrowers (card holders) for providing them credit lines by cards • Work with information bases of Armenian Credit Reporting Agency (ACRA) and Credit Registry of Central Bank of the Republic of Armenia on borrowers (card holders) • Analyses of financial stability, solvency and creditability of borrowers • Measuring risks • Making maximum correct decision on credit efficiency of borrowers (card holders) and on the basis of the latter the maximum credit limit • Making all the credit package (application form, contract of getting credit line by card, copies of passport and social card, reference(s) on income etc.) • Periodically monitoring of credit packages • Making proposals for further work improvement • Other responsibilities stipulated in my job description and by the orders of my chiefs (Director of Retail Department and General Director – Head of Directorate)

Duties included, but were not limited to the following: • Financial consulting • Making introduction the customers to loan conditions • Acceptation and study of loan applications • Getting all the documents and information (by the necessity) from (co)borrowers for providing them loans • Work with information bases of Armenian Credit Reporting Agency (ACRA) and Credit Registry of Central Bank of the Republic of Armenia on (co)borrowers • Analyses of financial stability, solvency and creditability of (co)borrowers • Micro, Small and Middle/Medium Entrepreneurship (MSME) analyses of (co)borrowers by the standards of KFW (in the frames of loan program “Development of a Sustainable Housing Finance Market” In Armenia (GAF–HF)) • Measuring risks • Study of pledge in its location • Making maximum correct decision on loan efficiency of (co)borrowers • Making all the loan package (loan contracts, pledge (mortgage) contracts and other kinds of documents) • Submission of pledge (mortgage) agreements to Notaries • Representing the interests of the Company in State Cadastre • Control over payments by the (co)borrowers on time • Control over commitment of other conditions of all loan agreements by the (co)borrowers • Monitoring of loans • Making proposals for further work improvement • Other responsibilities stipulated in my job description and by the orders of my chiefs (Head of Lending Division and CEO)

Duties included, but were not limited to the following: • Planning of internal circulation of documents • Organizing of meetings among employees • Making new programs and plans on work improvement • Commitment of other labor orders of CEO

Economics (Discipline: Finance (Public and Private), Money Turnover and Credit), "kandidat nauk" ("candidate of science")/PhD

Economics (Insurance), Specialist Diploma with Honour Degree of Economics in the Field of Insurance

European Studies, Master's degree in European Studies in Public and Private Management (taught in English)

Practicing Coaching (01-07.02.2013), Participation

“Effective Communication with clients”, Certificate for participation in the Professional Training

“Housing Finance Training Course for Loan Officers”, Certificate for participation in the Professional Training