Ghandi El Zouheiri
Relationship Manager and Trade Finance Specialist
Jeddah
Summary
A Relationship manager and Trade finance specialist with 16+ years of experience in the banking and finance industry with strong interpersonal and problem solving skills with an expertise in developing relationship with clients and solving their financial problems. Holder of a bachelor degree and master’s degree in Business management, Banking and finance as well as experienced in customer relations and negotiations. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Currently seeking a challenging position, where the acquired knowledge and previous experience can be applied and can make a significant contribution to the success of the company. .
Overview
16
16
years of professional experience
7
7
years of post-secondary education
3
3
Language
Work History
Trade Finance Specialist
Euro Exim Bank LTD
Jeddah
01.2022 - Current
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Actively listened to customers, handled concerns quickly and escalated major issues to supervisor.
- Working on products offered, negotiation of pricing and documentations
- Monitor existing facilities, ensuring Business Groups perform in line with agreed terms of facility
- Set up settlement processes for one off trades or newly created product approval form transactions and provide guidance to settlement team on execution
- Draft and negotiate template transactional adjustments, inter-company agreements and industry, bank, or company driven template contracts
- Collaborate with global trade and capital market peers to share information
- Managed over 15 customer calls per day
Sales Account Manager
Solidarity Mutual Fund
Beirut
10.2021 - Current
- Tracked pipeline data, won vs. lost opportunities and lead response times with Salesforce CRM.
- Resolved customer issues quickly to close deals and boost client satisfaction.
- Met with clients, delivering presentations and educating on product and service features and offerings.
- Researched competitors' activities and products to uncover new trends
- Managed over 30 customer calls per day
- Maintained ethical and positive working environment to reduce turnover and promote high retention rates.
- Targeted and prospected for new business through telemarketing, individual creativity and innovation.
- Maintained high standards of customer service by answering pricing, availability, use and credit questions accurately.
Senior Credit Analyst
AM Bank SAL
Beirut
04.2018 - 09.2021
- Reviewing financial statements for accuracy and completeness, verifying figures, and identifying anomalies
- Increased loan sales by 10%.
- Consulting with management to formulate policies regarding loans issued by company
- Improved understanding of financial statements, which helped in assessing risk
- Analyzing loan applications and identifying potential risks associated with lending to certain applicants
- Preparing reports that detail delinquencies, defaults, and other issues with loan repayment rates
- Recommending changes to loan terms or interest rates based on analysis of risk factors
- Assessing whether collateral is sufficient to cover loan amount being requested
- Interacting with borrowers to explain loan terms and conditions and to collect payments
- Monitoring status of loans to ensure repayment on time and in full
- Conducted presentations to upper management and executive teams for loan recommendations
Financial Analyst
AM Bank SAL
Beirut
04.2018 - 01.2021
- Analyzing current and past financial data
- Looking at current financial performance and identifying trends
- Preparing reports on above information and communicating insights of these reports to wider business
- Consulting with management team to develop long-term commercial plans
- Suggesting budgets and improvements based on above information
- Collected data and developed detailed spreadsheets to identify trends and create revenue, profitability and expense forecasts
- Collected data from other divisions to support quarterly forecasts.
- Used relevant financial technology to generate reports and recommended courses of action to upper management.
Assistant Relationship Manager
Société Générale de Banque au Liban SAL
Beirut
06.2015 - 09.2017
- Provide administrative and client service support to Senior Relationship Manager and responding to all client's inquiries
- Partner with clients, business support and service providers to ensure timely transaction processing and service delivery of clients’ requirements.
- Authorizing transactions within scope.
- Manage account relationships, assisting in contract negotiations, sales, and pricing.
- Achieved goals for sale of bank products and services and exceeded performance metrics for customer service
- Surpassed sales targets 10% consistently and maintained solid loan rankings
- Monitored issues carefully and reached out to customers to provide immediate resolution and maintain satisfaction
- Generated new business and referral clients in partnership with financial advisors and branch team
Business Banking Relationship Manager and Investment
Société Générale de Banque au Liban SAL
Beirut
07.2005 - 06.2015
- Provided leadership and direction to grow team portfolio and increase revenue.
- Met with customers to assess needs and propose customized solutions.
- Use knowledge of business, finance, banking, credit and risk management to identify, recommend and promote solutions that best serve client and ensure profitability of portfolio.
- Successfully manage client portfolios ranging from $1 million to $20 million in assets through strategic risk analysis and financial planning.
- Identify and evaluate investment prospects to advise clients on their portfolios.
- Delivered exceptional experience and maintained productive relationships with area small businesses
- Met with customers to assess needs and propose customized solutions
- Performed banking, business administration and financial tasks to guarantee five-star service for clients
Universal Teller
Société Générale de Banque au Liban SAL
Beirut
06.2005 - 07.2009
- Assisted customers with setting up or closing accounts, completing loan applications and signing up for new services.
- Educated customers on use of banking website and mobile apps.
- Answered customer inquiries regarding account balances, transaction history, services charges and interest rates.
- Organized, stocked and maintained teller window area.
- Cash Deposits, Checks Remittance, Local and International Transfers.
- Managed over 50 customer calls per day.
Education
Certificate - Securities And Investment
Chartered Institute For Securities And Investment
London 06.2012 - 12.2012
Master’s Degree - Banking and Finance
La Sagesse University (ULS)
Beirut 09.2004 - 06.2012
BBA - Business Administration And Management
Saint-Joseph University (USJ)
Beirut 09.1999 - 04.2004
Skills
Problem-Solvingundefined
Timeline
Trade Finance Specialist
Euro Exim Bank LTD
01.2022 - Current
Sales Account Manager
Solidarity Mutual Fund
10.2021 - Current
Senior Credit Analyst
AM Bank SAL
04.2018 - 09.2021
Financial Analyst
AM Bank SAL
04.2018 - 01.2021
Assistant Relationship Manager
Société Générale de Banque au Liban SAL
06.2015 - 09.2017
Certificate - Securities And Investment
Chartered Institute For Securities And Investment
06.2012 - 12.2012
Business Banking Relationship Manager and Investment
Société Générale de Banque au Liban SAL
07.2005 - 06.2015
Universal Teller
Société Générale de Banque au Liban SAL
06.2005 - 07.2009
Master’s Degree - Banking and Finance
La Sagesse University (ULS)
09.2004 - 06.2012
BBA - Business Administration And Management
Saint-Joseph University (USJ)
09.1999 - 04.2004
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