Hania Chebib

* Perform operations related to accounts opening and issuance of payment cards, insurance, and loans/facilities , along with all related, administrative and accounting tasks to maintain a steady growth in business portfolios and achieve the sales objectives .

* Manage Customer's files and accounts to ensure accurate clients' record and maintain conformity with the Bank's related practices.

* Promote the bank's products/services and maximize client's commercial engagement with the bank to contribute in achieving the branch sales and marketing objectives.

* Provide timely and accurate information to customers to ensure quality service and help maintain favorable clients' retention rate and positive potential business opportunities.

* Provide accurate Feedback to the direct supervisor .

* Guarantee the proper use of information and execution of operations.

* Contribution to the Sales objectives achievements.

* Time management and organization of work.

* Reliability and accuracy.

* Compliance with the Bank's norms / procedures and related regulatory policies.

* Coordinate and follow-up delinquent loans and negotiate the repayment and settlement

* Handle the database for each delinquent client that will enable management to readily access and assess each credit file.

* Coordinate with the concerned Department /Branch to obtain any missing information on contracts and supporting documents.

* Follow-up on delinquent loans and inform adequate courses of action ( payment rescheduling, modification of collateral ,additional downgrading or upgrading ).

* Contact delinquent clients to negotiate reimbursement , send warning and notices, when necessary , in coordination with the legal department .

* Coordinate with the legal Department to ensure compliance with local laws and regulations

* Follow- up with the lawyers in charge of the credit file in coordination with the legal department.

* Controlling the validity of all documents in the housing loan files.

* Following up with branches in case of any mission documents.

Studying housing loans applications and submitting the report to the Head of Retail Loans.

* Ensuring correspondence with branches.

* Ensuring correspondence with the involved internal and external parties (EPH, Legal Department, Accredit experts , Credit department).

* Preparing the Loan contracts for EPH& FSB loans.

* Checking bills and " Bordereau" related to EPH.

* Preparing housing statistics for each month.

* Request preparation of loan contracts for BDL, FSB loans.

* Request preparation of loans contracts for BDL loans.

* Examination of original documentation before loan disbursement ( Submitting them to the legal Department , Issuing loan disbursement authorization memo, delivering original documentation along with related file to the Credit department).

* study and assess the car loan application sent by the branches.

* Obtain relevant information and evaluate applicants' financial status, including credit history, debt-to-income ratio, and appraisal reports, to determine recommendation for loan approval

* Ensure all necessary information and documentation is submitted to the loan underwriting department, and is recorded properly in electronic file forma

* Maintain current knowledge of all applicable lending regulations, the economy, market rates, vendors, and competitors

* Consistently deliver first-class customer service