Client Relations Program Management

VALERIE EL KHOURY

CONTACT

**/******

**************@*****.*** linkedin.com/in/valerie- ghosn-83159244

PROFILE

Dynamic and detail-oriented professional with over 15 years of experience in banking, reporting, and compliance. Proven track record in ensuring adherence to regulatory requirements, managing complex data systems, and facilitating efficient loan processing. Skilled in analyzing financial metrics and preparing comprehensive reports that drive decision-making. Exceptional interpersonal and communication skills, with a strong focus on client relations and team leadership. Committed to achieving operational excellence and enhancing organizational performance in fast-paced environments.

SKILLS

Program Management: Proficient in overseeing projects and initiatives.

Analytical Problem Solving: Strong ability to analyze complex data and solve problems effectively.

Mathematics: Advanced skills in quantitative analysis.

Interpersonal Skills: Effective communicator and relationship builder.

Client Relations: Dedicated to fostering positive interactions with clients.

Administration: Highly organized with strong administrative capabilities.

Settlement & Account Reconciliation: Experienced in financial reconciliation and settlements.

Team Leadership: Proven track record of leading teams to achieve goals

First National Bank S.A.L

Head of Reporting

May 2008 - Present

Managing BDL circulars related to credit products or related reports.

Follow-up on accounts creation for new products ( parameters and conditions).

Proper accounts mapping for Centrale des Risques.

Prepare and submit the 152 report required by the BCCL.

Conduct weekly monitoring of obligatory reserves submitted to the Central Bank of Lebanon.

Analyze and ensure the proper implementation of Kafalat loans across all operational levels.

Maintain timely and accurate data within the bank's credit systems and software.

Oversee loan repayments and interest, ensuring compliance with credit policies and procedures.

Prepare and validate reports on environmental loans and other BDL regulatory requirements.

Manage loan agreements related to BDL circular 7835, ensuring documentation integrity.

Collateral Custody and Control Officer

Monitor securities associated with all bank facilities.

Approve the release of amounts from suspense accounts and retrieve collateral as needed.

Credit Officer (Corporate and Retail Loans)

May 2008 - August 2009

Process and execute personal and corporate loan applications in compliance with approved terms and conditions.

Intercontinental Phoenicia, Beirut

Income Auditor Supervisor

Mar 2003- May 2008

Prepare and control financial reports, including daily revenue and internal control procedures.

Manage departmental summaries and oversee daily/monthly communication expenses.

Supervise Food & Beverage revenue recaps linked to the Daily Revenue System.

Credit Department (In Charge of Credit Cards)

Oversee credit card postings, reconciliations, and refunds, ensuring timely processing and authorization.

Accounts Receivables (In Charge of Companies, Embassies & Travel Agencies)

Control City Ledger Operations to minimize bad debts while managing commissions for local travel agents.

Supervise accounts receivable operations and engage with clients regarding overdue accounts.

EDUCATION

American University of Science and Technology

M.B.A. in Management

Lebanese University

Bachelor’s Degree in Business Administration and Management

2000 - 2004

CERTIFICATIONS &TRAININGS

Chartered institute for securities & Investment

Introduction to Securities & Investments ( International) @ ESA, FEB 2013

Association des banques du Liban

Loan agreements securities and executions, July 2012

Blom Bank ( Training)

Marketing department, June 2008 --July 2008

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