Do you want to improve your company’s cash flow?

Implementing proper strategies backed by deep analyses is the key to survival in a modern business world. And financial statements analysis is one of the most important strategic tools that can help you achieve that.

This is what CreditAnalyst.eu is specialized in.


To be an indispensable source of information about creditworthiness of nonfinancial corporates.


To help clients improve cash flow and reduce financial risks they are exposed to.

Mario Kurtović – CV

Independent Corporate Credit Analyst


As of March 2022, Mario acts as an independent corporate credit analyst within his own company CreditAnalyst.eu, which provides credit analyses of Croatian and international corporates, as well as education and advisory in the field of credit analysis, credit risk management, and financial statement analysis.

Prior to starting CreditAnalyst.eu, Mario gained a broad credit risk management experience in three development banks – the European Investment Bank (EIB), the European Bank for Reconstruction and Development (EBRD), and the Croatian Bank for Reconstruction and Development (HBOR). During his 10+ years spell in development banking, he was in charge of assessing credit risks and structuring deals with European corporates from various sectors – consumer goods, retail, investment goods, tourism, agriculture, transport, and construction, to name a few.
His main tasks were to: (1) assess credit risks and formulate independent opinions and recommendations on new debt operations, (2) provide advice and solutions to structure and mitigate credit risks, including leveraged, structured, and subordinated transactions, (3) closely follow and anticipate developments and trends in relevant sectors, and (4) review legal documentation from a credit risk standpoint.

Prior to his career in development banking, he gained invaluable experience in the corporate sector as a Senior Business Planning Analyst at Coca-Cola HBC, where he covered the business planning and rolling estimate processes, reporting on operating and capital expenditures, and product profitability and transfer prices calculation.

Mario graduated from the University of Split, Faculty of Economics, majoring in Finance and Accounting. Since then, he continued to build his theoretical and practical knowledge by successfully attaining the Certified Credit Expert title from Moody’s Analytics and Certified Forensic Accountant title from the association Croatian accountant. He also attended numerous trainings related to credit analysis organized by Moody’s, Fitch, and Euromoney. Occasionally, he acts as an external lecturer and writes articles for various magazines covering credit risk related topics.

Work experience:
  • European Investment Bank (EIB), Luxembourg / Corporate Credit Risk Officer
  • European Bank for Reconstruction and Development (EBRD) / Analyst
  • Hrvatska banka za obnovu i razvitak (HBOR) / Corporate Credit Analysis Specialist
  • Coca-Cola HBC / Senior Business Planning Analyst
  • Roland Berger Strategy Consultants / Consultant
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