Manager Management

Corporate Credit Relationship Manager

Portfolio Administration ( Financial Management ( Budgeting & Cash Flow

Optimization

Forecasting, Reporting & Analysis

Remarkably astute, hands-on and solution-focused professional,

demonstrating outstanding performance and flexibility in banking,

accounting and inter-bank reconciliation coupled with solid corporate

credit relationship management skills. Proactive who consistently brings

tasks to successful completion, combining implementation of strategic and

collaborative operational initiatives that enhance financial performance

and drive company growth. Highly organized, detail-oriented and recognized

for exceptional work ethic and commitment to excellent service. Creative

problem solver with excellent ability to sustain consistency of returns and

capital preservation. Possesses working knowledge of hedging strategies

combined with exceptional communication, interpersonal and negotiation

skills.

Professional Experience

Capital One Bank ( Rockville MD

Relationship Banker II 2011-Present

. Work closely with clients in identifying their needs and recommend the

most suitable banking products for them.

. Provide unparalleled branch-managed businesses and services to small

business clients

. Fully orchestrate functions of 10 tellers and head tellers to facilitate

and maintain well-run bank operations

. Partner with the Assistant Branch Manager in coordinating staff

activities and branch operational functions.

. Strictly enforce strict compliance with audit and security practices as

well as procedures in alignment with bank policies

Significant Contributions

. Consistently exceeded performance and personal quotas and was named as

the first Relationship Banker II among 20 branches district-wide.

. Positioned the branch as the number one branch in the district in

collaboration with a team.

BLOM Bank France - Dubai Head Office ( Dubai, UAE

Corporate Credit Relationship Manager 2008-2010

. Comprehensively analyzed financial movements and tracked credit

compliances with bank policies and standards and requirement established

by the economical environment and the UAE Central Bank.

. Exhibited strong command in financial analysis, cash flows preparation,

credit files review, annual renewal recommendation as well as daily

monitoring of account movement.

. Provided periodic reports for board members and mentored newly hired

employees on company's best practices.

. Proactively collaborated with numerous bank departments to ensure the

quality of services and overlooking clients' performances.

. Conducted follow ups, visited clients, and interfaced with financial

controller and clients accountant to gather information on company's

financial activity.

. Provided guidance and assistance to the Recovery Unit to revive critical

accounts.

. Interfaced with new clients to personally identify and provide solutions

to their needs, resulting in new business and referrals.

Significant Contributions

. Solely managed a project portfolio of $100 million; played an integral

role in managing a syndicated loan that was used to finance a special

project in UAE. Work hand-in-hand with other in executing the payment

process during construction phase and later prepared periodic updated

spreadsheets during the its initial phase

. Formulated new financial spreadsheet practices that streamlined the

financing department's operation while optimizing the quality of loans

at the same time.

. Spearheaded diversified portfolio of corporate clients from contracting,

advertising, trading, retail and FMCG industries.

Byblos Bank Lebanon ( Lebanon

Regional Manager, Corporate Lending & Credit 2005-2006

Risk

. Provided advice regarding credit facilities and managed the central bank

and other financial institutions' granting of subsidized loans.

. Negotiated settlements and arrangements; oversaw the drafting of

contracts and loan agreements of banking transactions.

. Analyzed balance sheets, feasibility studies and cash flow charts.

. Rendered site visitation and investigation, and directly reported to the

corporate committee for file approval.

. Supervised workshop events organization and support for various

financial products.

Byblos Bank Branch (

Retail Banking & Capital Market Representative 1999-2005

. Diligently managed the research preparation as well as the applications

approval in private and subsidized housing loans, car and personal

loans, credit cards Bancassurance and small business loans.

. Provided feedback and advice on market portfolios management and target

sales goals achievement.

Significant Contributions

. Seamlessly developed new banking relationships and effectively

maintained and expanded existing clients.

. Solely and consistently surpassed quotas in selling retail products.

BEMO Bank Lebanon - Banque Europeene du Moyen Orient: Head Office ( Beirut,

Lebanon 1999

. Coordinated the auditing and control functions within the branch.

BLF Bank Lebanon - Banque Libano-Francaise, Lebanon (

Student Trainee 1997-1998

. Worked closely with retail banking sector to provide assistance with

default payment demands and collections.

. Assisted the applicants in opening documentary credits files.

Education

Master of Arts in Banking and Finance

Saint Joseph University, School of Business ( Beirut, Lebanon

Bachelor of Arts in Business Management and Marketing( 1997

Saint Joseph University, School of Business ( Beirut, Lebanon

Professional Development

Six Sigma Relationship Management - Completed a one-month intensive

training on new methodology courses in cash flow generation

and analysis and financial management

Project Financing - Attended and completed the bank's consortium project

financing course in syndicated loans at the UAE Banking Center

for Studies

Moody's Grading - Participated in a three-day seminar as the representative

of the BLOM Bank France in Abu Dhabi; the seminar was prepared

by Moody's to define economical parameters classifying the

risk grading sectors and countries in GCC and the Middle East

Technical Skills

Banking Software: HP Reflection and Globus, ICBS Software, Banking Oracle

Module

Microsoft Office Suite: Word, Excel, PowerPoint, Outlook

Languages: English, French, Arabic.

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