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Alma Lulja


Review Consultant

Banking and Finance Expert with a focus on energy efficiency products and finance. Over 10 years of professional experience in financial analysis and capital investment appraisal, with a special focus on energy efficiency, renewable energy and green environmentally friendly lending in residential buildings and also in businesses/agribusinesses. Extensive knowledge in Training, Financial Analysis, Portfolio Management, Product Design and Marketing, Bank procedures for project assessment and approval and strong client relationship skills.

Business Planning / Business Plan Preparation Staff Training Marketing and Sales / Public Relations Start-up / Business Formation Financial Management / Accounting / Taxes Innovation of Products / Processes Quality Assurance / Standards and Norms (e.g. ISO) Engineering / Production Processes

EBRD Western Balkans Green Economy Financing Facility (GEFF)

January — 2018

Deputy Regional Project Coordinator for Albania and Kosovo:
• Adjust the Facility Implementation Plan to fit each country and thus define the country specific activities and tasks
• Support the preparation of the Action Plan in allocated PFIs by participating in discussions, meetings and preparation/execution of agreed deliverables
• Provide guidance and support to Marketing Expert in the preparation of the detailed country marketing plan as integral part of the Facility Implementation Plan
• Ensure that efforts to populate and promote the Technology Selector are coordinated, constant and include Technical Experts, PFI Relationship Manager and Marketing Expert as appropriate
• Monitor the number of vendors in the Technology Selector (monthly) and ensure event distribution of vendors throughout the country and of products throughout categories
• Analyse the Portfolio and Pipeline Report on monthly bases and agree on corrective actions with Project Coordinator
• Ensure donor visibly in countries of operation
• Actively seek ways to increase the visibility and the success of the Facility

ProCredit Bank Albania

2009 — 2017

Environmental & Energy Efficiency Coordinator:
● Implement and supervise environmental management system at the bank
● Implementing and supervising the certification process of the environmental system in the bank with ISO 14001 –Environmental Management System
● Call Environmental Committee meetings, coordinating and supervising compliance with agreed measures, ensuring internal and external communication of these measures.
● Supervising the creation and administration of an environmental database and using the information in the database to formulate environmental goals, supervise compliance, and revise and modify these goals as necessary
● Designing and monitoring the implementation of procedures & strategies about green loans (for households, business and agricultural clients)
● Training of all front office staff regarding environment, energy efficiency (EE)/renewable energy (RE)/green investments (GR), preparing seminars, materials and presentations
● Staff evaluation performance, branch evaluation performance related to green loans
● Overseeing the compliance with environmental regulations and Standards for Managing the Environmental Impact of Lending for credit exposures.
● Representing the institution in all internal and external events focusing on topics related to the environment, energy efficiency and renewable energy

ProCredit Bank Albania

2008 — 2009

Housing Lending Coordinator:
● Develop Housing Lending (HL), change and update the existing procedures regarding HL
● Monitor the application of new regulations, procedures and manuals with regard to HL
● Staff evaluation performance, branch evaluation performance related to HL
● Training of housing lending staff, preparing seminars materials and presentations, lecturing
● Participate in hiring and recruiting process of new housing loan officers
● Following of competition’s conditions on market
● Cooperation with Marketing Sector for marketing campaigns with regard to Housing lending
● Monitor the quality and development of Housing Lending Portfolio

ProCredit Bank Albania

2005 — 2008

Loan Officer/Senior Loan Officer:
● Loan approval up to a certain limit authority
● Develop and maintain good quality of branch loan portfolio
● Lead and organize day to day work for branch's Loan Officer Team
● Promote and organize branch promotion for all bank products.
● Evaluation and identification for training needs for the staff under direct supervision
● Signatures in loan contracts, payments plans, disbursement authorization and fist arrears letters
● Branch reports/Responsible in organizing/participating in promotion or other events of the branch
● Responsible to coach new loan officers
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Frankfurt School of Finance & Management, Frankfurt, Germany

Graduation: 2017

Introduction to Climate change, Climate Finance, Environmental Economics, International Climate Policy, Financing Instruments, Electricity Market Basics, Renewable Energy Financ

Tirana University, Economic Faculty in collaboration with University of Nebraska-Lincoln, U.S.A

Graduation: 2007

Public Administration, Public Finance, Public and Administrative Law, Public Accounting, Ethics and Administrator, Project Management, HR Management, Information Systems Managem

Tirana University, Economic Faculty, Finance & Accounting Department

Graduation: 2002

Monetary Economics, Financial Mathematics, Banking Legislation, Banking Supervision, Banking Techniques, Public Finance, Financial Management and Analysis, Applied Informatics, T

Tirana University, Economic Faculty, Albania

Graduation: 2001

Management / Business Administration degree



English, Albanian


[email protected]