{"id":6155,"date":"2026-09-03T11:46:24","date_gmt":"2026-09-03T08:46:24","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=6155"},"modified":"2026-09-03T11:46:37","modified_gmt":"2026-09-03T08:46:37","slug":"dupa-10-ani-in-banking-mihai-damian-s-a-alaturat-retelei-123credit-ca-broker-de-credite-in-bucuresti","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/dupa-10-ani-in-banking-mihai-damian-s-a-alaturat-retelei-123credit-ca-broker-de-credite-in-bucuresti\/","title":{"rendered":"Dup\u0103 10 ani \u00een banking, Mihai Damian s-a al\u0103turat re\u021belei 123Credit ca broker de credite \u00een Bucure\u0219ti"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 3<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><p><span style=\"font-weight: 400;\">Mihai este broker de credite \u00een Bucure\u0219ti \u0219i activeaz\u0103 prin platforma 123Credit. Are peste zece ani de experien\u021b\u0103 \u00een domeniul financiar-bancar, acumula\u021bi \u00een mai multe b\u0103nci \u0219i institu\u021bii financiare nebancare, at\u00e2t \u00een zona de creditare, c\u00e2t \u0219i \u00een managementul \u0219i recuperarea crean\u021belor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Intermediaz\u0103 credite imobiliare \u0219i refinan\u021b\u0103ri ipotecare, credite de nevoi personale \u0219i refinan\u021b\u0103ri, leasing auto, credite pentru firme \u0219i finan\u021b\u0103ri prin IFN-uri. Dosarele se gestioneaz\u0103 online, iar consultan\u021ba este complet gratuit\u0103.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><em>\u201e\u0218tiu s\u0103 citesc dincolo de cifre&#8221;<\/em>, spune el despre ce i-a r\u0103mas din perioada aceea.<\/span><span style=\"font-weight: 400;\"><\/p>\n<p><\/span><\/p>\n<h2><b>Parcursul profesional<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Damian a lucrat succesiv cu mai multe b\u0103nci \u0219i IFN-uri din Rom\u00e2nia, \u00een roluri care au acoperit dou\u0103 arii distincte: acordarea creditelor \u0219i administrarea celor neperformante. A doua arie presupune analiza situa\u021biilor financiare, a riscurilor \u0219i a profilului de client dup\u0103 momentul aprob\u0103rii.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Din perspectiva lui, criteriul care conteaz\u0103 la recomandarea unei finan\u021b\u0103ri nu se opre\u0219te la aprobare.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><em>\u201eRolul meu nu este doar s\u0103 g\u0103sesc un credit, ci s\u0103 identific cea mai bun\u0103 solu\u021bie de creditare pentru fiecare client, \u00een func\u021bie de nevoile, posibilit\u0103\u021bile \u0219i situa\u021bia sa financiar\u0103&#8221;<\/em>, declar\u0103 acesta. Mihai afirm\u0103 c\u0103 evit\u0103 variantele care pot p\u0103rea avantajoase pe termen scurt, dar care devin dificil de sus\u021binut ulterior.<\/span><\/p>\n<h2><b>Cum lucreaz\u0103 Mihai Damian, broker de credite \u00een Bucure\u0219ti<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Cei mai mul\u021bi consultan\u021bi financiari vin din v\u00e2nz\u0103ri sau din rela\u021bia de la ghi\u0219eu. Mihai a stat \u0219i \u00een partea \u00een care se analizeaz\u0103 riscul, nu doar \u00een cea \u00een care se promoveaz\u0103 produsul. Diferen\u021ba se vede cel mai clar la dosarele cu istoric.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Colaborarea \u00eencepe cu o discu\u021bie despre situa\u021bia real\u0103: venituri, credite \u00een derulare, ce s-a \u00eent\u00e2mplat \u00een trecut \u0219i de ce. Urmeaz\u0103 partea care conteaz\u0103 pentru dosare mai complicate, citirea istoricului din <\/span><a href=\"https:\/\/123credit.ro\/blog\/fico-score-de-la-biroul-de-credit\/\"><span style=\"font-weight: 400;\">Biroul de Credit<\/span><\/a><span style=\"font-weight: 400;\">. Aici, c\u00e2teva lucruri sunt utile de \u0219tiut \u00eenainte de a te speria de propriul raport:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Restan\u021bele nu r\u0103m\u00e2n acolo pentru totdeauna. <\/span><a href=\"https:\/\/www.dataprotection.ro\/?page=Comunicat_presa_Raportarea_datelor_personale_la_Biroul_de_Credite&amp;lang=ro\"><span style=\"font-weight: 400;\">Datele negative se stocheaz\u0103 patru ani<\/span><\/a><span style=\"font-weight: 400;\">, dup\u0103 care se \u0219terg automat, f\u0103r\u0103 cerere \u0219i f\u0103r\u0103 costuri.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Termenul curge de la ultima actualizare transmis\u0103 de institu\u021bia financiar\u0103, deci de la momentul \u00een care restan\u021ba a fost achitat\u0103. C\u00e2t timp datoria st\u0103 nepl\u0103tit\u0103, cronometrul nu porne\u0219te.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Scorul FICO calculat de Biroul de Credit e un num\u0103r \u00eentre 300 \u0219i 850, dar nu exist\u0103 un prag oficial de aprobare. Fiecare banc\u0103 \u0219i fiecare IFN \u00ee\u0219i stabilesc propriile criterii.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Ultimul punct e cel care conteaz\u0103 cel mai mult \u00een practic\u0103. Acela\u0219i raport, trimis la dou\u0103 institu\u021bii diferite, poate primi dou\u0103 r\u0103spunsuri diferite. Ce urmeaz\u0103, la Mihai, e alegerea institu\u021biei potrivite pentru profilul respectiv \u0219i preg\u0103tirea dosarului \u00eenainte de a pleca acolo. Documentele se transmit online.<\/span><\/p>\n<h2><b>Ce credite intermediaz\u0103<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Aria lui acoper\u0103 at\u00e2t persoanele fizice, c\u00e2t \u0219i firmele:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">credite imobiliare \u0219i refinan\u021b\u0103ri ipotecare;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">credite de nevoi personale \u0219i refinan\u021b\u0103ri;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">leasing auto;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">credite pentru firme;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">finan\u021b\u0103ri prin IFN-uri.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Combina\u021bia vine din parcurs. Anii petrecu\u021bi \u00een b\u0103nci \u0219i \u00een IFN-uri, pe creditare \u0219i pe recuperare, l-au pus \u00een contact cu ambele categorii de clien\u021bi \u0219i cu criteriile dup\u0103 care fiecare tip de institu\u021bie decide.<\/span><\/p>\n<h2><b>Feedback din partea clien\u021bilor<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Un client descrie colaborarea astfel:\u00a0<\/span><\/p>\n<blockquote><p><i><span style=\"font-weight: 400;\">\u201eAm apelat la ajutorul lui \u0219i am primit exact solu\u021bia de care aveam nevoie. Mi-a explicat totul pe \u00een\u021belesul meu \u0219i m-a ajutat s\u0103 aleg varianta potrivit\u0103.&#8221;<\/span><\/i><\/p><\/blockquote>\n<h2><b>Alegerea 123Credit<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Mihai colaboreaz\u0103 cu 123Credit pentru modelul digital de lucru: \u201eAm ales 123Credit pentru c\u0103 \u00eembin\u0103 brokerajul de credite cu tehnologia \u0219i simplific\u0103 un proces care, \u00een mod tradi\u021bional, poate fi complicat \u0219i consumator de timp&#8221;, declar\u0103 acesta.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Platforma permite compararea ofertelor mai multor b\u0103nci \u0219i institu\u021bii financiare nebancare \u00een cadrul aceleia\u0219i discu\u021bii, transmiterea online a documentelor \u0219i preluarea dosarelor de oriunde din Rom\u00e2nia.<\/span><\/p>\n<h2><b>Concluzie<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Mihai ofer\u0103 consultan\u021b\u0103 de creditare pentru persoane fizice \u0219i pentru firme, din Bucure\u0219ti \u0219i, prin platforma 123Credit, la nivel na\u021bional. Prima discu\u021bie este gratuit\u0103, iar dosarul se gestioneaz\u0103 online.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cel po\u021bi contacta direct pe pagina web personal\u0103: <\/span><a href=\"https:\/\/mihaidamian.123credit.ro\"><span style=\"font-weight: 400;\">mihaidamian.123credit.ro<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p><span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 3<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span>Mihai este broker de credite \u00een Bucure\u0219ti \u0219i activeaz\u0103 prin platforma 123Credit. Are peste zece ani de experien\u021b\u0103 \u00een domeniul financiar-bancar, acumula\u021bi \u00een mai multe b\u0103nci \u0219i institu\u021bii financiare nebancare, at\u00e2t \u00een zona de creditare, c\u00e2t \u0219i \u00een managementul \u0219i recuperarea crean\u021belor. Intermediaz\u0103 credite imobiliare \u0219i refinan\u021b\u0103ri ipotecare, credite de nevoi personale \u0219i refinan\u021b\u0103ri, leasing auto, credite pentru firme \u0219i  [&#8230;]<\/p>\n","protected":false},"author":7,"featured_media":6156,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[253],"tags":[],"class_list":["post-6155","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-brokerii-123credit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Dup\u0103 10 ani \u00een banking, Mihai Damian s-a al\u0103turat re\u021belei 123Credit ca broker de credite \u00een Bucure\u0219ti - Blogul 123Credit<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/123credit.ro\/blog\/dupa-10-ani-in-banking-mihai-damian-s-a-alaturat-retelei-123credit-ca-broker-de-credite-in-bucuresti\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dup\u0103 10 ani \u00een banking, Mihai Damian s-a al\u0103turat re\u021belei 123Credit ca broker de credite \u00een Bucure\u0219ti - Blogul 123Credit\" \/>\n<meta property=\"og:description\" content=\"Timpul estimat pentru citire:  3 minuteMihai este broker de credite \u00een Bucure\u0219ti \u0219i activeaz\u0103 prin platforma 123Credit. Are peste zece ani de experien\u021b\u0103 \u00een domeniul financiar-bancar, acumula\u021bi \u00een mai multe b\u0103nci \u0219i institu\u021bii financiare nebancare, at\u00e2t \u00een zona de creditare, c\u00e2t \u0219i \u00een managementul \u0219i recuperarea crean\u021belor. Intermediaz\u0103 credite imobiliare \u0219i refinan\u021b\u0103ri ipotecare, credite de nevoi personale \u0219i refinan\u021b\u0103ri, leasing auto, credite pentru firme \u0219i [...]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/123credit.ro\/blog\/dupa-10-ani-in-banking-mihai-damian-s-a-alaturat-retelei-123credit-ca-broker-de-credite-in-bucuresti\/\" \/>\n<meta property=\"og:site_name\" content=\"Blogul 123Credit\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-03T08:46:24+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-03T08:46:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2026\/09\/mihai-damian-broker-de-credite-in-bucuresti-creditul-vazut-si-dupa-ce-a-fost-aprobat.png\" \/>\n\t<meta property=\"og:image:width\" content=\"940\" \/>\n\t<meta property=\"og:image:height\" content=\"788\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Ionut Verzea\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Scris de\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ionut Verzea\" \/>\n\t<meta name=\"twitter:label2\" content=\"Timp estimat pentru citire\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/dupa-10-ani-in-banking-mihai-damian-s-a-alaturat-retelei-123credit-ca-broker-de-credite-in-bucuresti\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/dupa-10-ani-in-banking-mihai-damian-s-a-alaturat-retelei-123credit-ca-broker-de-credite-in-bucuresti\\\/\"},\"author\":{\"name\":\"Ionut Verzea\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/e2594027264e89512732b640154587c2\"},\"headline\":\"Dup\u0103 10 ani \u00een banking, Mihai Damian s-a al\u0103turat re\u021belei 123Credit ca broker de credite \u00een Bucure\u0219ti\",\"datePublished\":\"2026-09-03T08:46:24+00:00\",\"dateModified\":\"2026-09-03T08:46:37+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/dupa-10-ani-in-banking-mihai-damian-s-a-alaturat-retelei-123credit-ca-broker-de-credite-in-bucuresti\\\/\"},\"wordCount\":728,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/dupa-10-ani-in-banking-mihai-damian-s-a-alaturat-retelei-123credit-ca-broker-de-credite-in-bucuresti\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/mihai-damian-broker-de-credite-in-bucuresti-creditul-vazut-si-dupa-ce-a-fost-aprobat.png\",\"articleSection\":[\"Brokerii 123Credit\"],\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/123credit.ro\\\/blog\\\/dupa-10-ani-in-banking-mihai-damian-s-a-alaturat-retelei-123credit-ca-broker-de-credite-in-bucuresti\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/dupa-10-ani-in-banking-mihai-damian-s-a-alaturat-retelei-123credit-ca-broker-de-credite-in-bucuresti\\\/\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/dupa-10-ani-in-banking-mihai-damian-s-a-alaturat-retelei-123credit-ca-broker-de-credite-in-bucuresti\\\/\",\"name\":\"Dup\u0103 10 ani \u00een banking, Mihai Damian s-a al\u0103turat re\u021belei 123Credit ca broker de credite \u00een Bucure\u0219ti - 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