اخاء بوشناق

- Verified branch operations daily with checks on processes, staff activities and KPIs.
-Work with SMEs/Retail Risk, Credit Administration, Legal Departments, Central operations, HR, FX, and other departments to improve work flow.
-Assess local market conditions and identify current and prospective sales opportunities.
-Manage the budget and allocate funds appropriately.
-Created success-oriented team environment focused on professional development and empowering leadership.
-Controlled business risk and implementing mitigation. strategies.
-Share knowledge with other branches and headquarters on effective practices.
- Address customer and employee satisfaction issues promptly.
- growing the bank's number of accounts and building new customer relationships.
- Manage and monitor the branch portfolio.
- Attend target and strategic meetings with zones and sub zones.
- Attending marketing calls for negotiation and finalizing the loan package, including terms, repayment schedules, and pricing.

- Developed instructional plans for courses in adherence to college standards.
- Used online learning platform and pre-recorded lectures to connect with remote learners.
- Encouraged students to investigate further and develop expertise through individual and
group projects.

- Follow up Sub Zones and Branches in daily base to measure the target achievement and analyze the situation then take a correction action if necessary.
-Attend strategic meetings with Zones and Sub Zones.
-Prepare the annual marketing plan and monitor progress to ensure the Bank attains the SME's objectives efficiently as possible.
-Cooperate with the Credit Risk, Credit admin, Legal Departments and others to facilitate the work flow.
-Intensive contact with Main clients, monitoring closely the relationship.
-Managing the performance for SMEs team's members
-Implemented, coordinated and managed different operations across assigned district.

-Prepare the annual marketing plan and monitor progress to ensure the Bank attains the
SME's objectives efficiently as possible.
-Establish and maintain effective formal and informal links with major internal and external
customers to ensure providing the appropriate quality of services.
-Attending marketing calls for negotiation and finalizing loan package including terms,
repayment schedules and pricing.
-Reviewing Credit Proposal Memos “CPM's” and finalized the Facilities Package with Variety
Lines of Credit .
-Following up with the Credit Risk Department until complete issuance of CRM
recommendation.
-Intensive contact with clients, monitoring closely the day-to-day relationship.
-Managing the performance for team members.
-Member of the group responsible for Coaching " Moody's Credit Rating" in NBE.

- Built long-term, profitable customer relationships by setting up variety of business .
- Managed existing portfolio and sought out opportunities to generate incremental revenue
through account servicing.
- Identified customer needs and opportunities to deliver further value based on financial plans and current market trends.
- Structured financial loans based on business acumen and sound assessments of borrower strengths and weaknesses.
- Managed risk by assessing applications to accurately determine customers creditworthiness.
- Leveraged expertise in forecasting to guide quarterly and annual budgeting objectives.
- Attending marketing calls for negotiation and finalizing loan package including terms,
repayment schedules and pricing.
- Supervise Team Leaders in reviewing Credit Proposal Memos “CPM's” that present the Facilities Package and the associated Terms and Conditions.
- Follow up the implementation of the CPM till the booking .
- Conduct regular accounts follow up assisted by periodical reports to avoid the manifestation of past dues and the breach of terms and conditions of approved facilities

-Attending marketing calls for negotiation and finalizing loan package including terms, repayment schedules and pricing.
-Supervise Team Leaders in reviewing Credit Proposal Memos “CPM’s” that present the Facilities Package and the associated Terms and Conditions.
-Following up with the Credit Risk Management Department until complete revision and issuance of CRM recommendation.
-Follow up the implementation of the CPM till the booking .
-Address any deviation of approved package or any risks emerged before conducting the regular annual review.
-Conduct regular accounts follow up assisted by periodical reports to avoid the manifestation of past dues, excesses and the breach of terms and conditions of approved facilities.

• Ensures team activities run smoothly and efficiently also Attending marketing calls.
• Assessed loan decision activities to remain compliant with regulations and corporate policies.
• Implemented departmental development program to improve employees' skills and bolster knowledge.
• Spearheaded initiatives to increase operational stability and compliance.
• Managed risks by assessing applications to accurately determine customers creditworthiness.
• Analyzed data and developed reports to inform operational strategy and decision-making.
• Supported compliance by implementing internal controls and enforcing policies.
• Ensure accurate and timely servicing of the bank's loan portfolio

-preparing Credit Proposal Memos “CPM’s” that present the Facilities Package and the associated Terms and Conditions.
-Following up with the Credit Risk Management Department until complete revision and issuance of CRM recommendation.
-Follow up the implementation of the CPM till the booking .
Attending marketing calls for negotiation and finalizing loan package including terms, repayment schedules and pricing.