Panagiotis Tsonopoulos, Bank Employee

Panagiotis Tsonopoulos

Bank Employee

Piraeus Bank

Location
Greece
Education
Master's degree, Finance & Banking
Experience
21 years, 9 Months

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Work Experience

Total years of experience :21 years, 9 Months

Bank Employee at Piraeus Bank
  • Greece
  • July 2012 to July 2016

Notable Accomplishments:
• Carry out urgent tasks efficiently and quickly.

Key responsibilities at Customer Data processing Department:
· Urgent task of unification of the short names of customers who have loans or deposits in more than one of the absorbed banks.
· Evaluation of customers and Information of Bank branches on portfolio of customers (loans, deposits) and instruction how to handle and approach them.

Key responsibilities at the loan department of Bank branch:
• Recommending suitable products & services to customers in sync with their short & long term needs & requirements.
• Submitting customer requests for borrowing or restructuring existing loans to the Loan Evaluation Department.
• Drafting the standard contract to be signed by the customer and the Head of the Bank Branch.
• Managing cash flows and recording loan payments from customers in the books.
• Planning fresh terms of engagement for customers who fail to meet their obligations.

Bank Employee at Agricultural Bank of Greece
  • Greece
  • November 2002 to July 2012

Notable Accomplishments:
• Nominated by the Bank for assisting the Ministry of Finance in evaluating applications from firms to join multiple European Community Programs and receive subsidies for their investments.

Key Responsibilities at Corporate Banking (loans to small and medium sized firms):
• Monitor the work-flow of Risk Management and Loan Applications for Small & Medium Enterprises Departments and take initiatives in the best interests of the Bank.
• Assess the Credit Risk associated with each individual loan; estimate the probability of default and make recommendations to the Line Manager regarding the amount to be disbursed and the rate to the be charged.

Key responsibilities at the loan department of Bank branch:
• Interact with customers and brief them about multiple products & services inclusive of credit / debit cards, checks, money transfer, letter of guarantee, time deposits, mutual funds, stocks, derivatives and insurance.
• Maintain sanctity of the standardized contract signed by the customer and the Head of the Bank Branch.
• Coordinate payments from customers in lieu of loan installments and ensure proper recording in books.

Key responsibilities at the Risk Department of the Bank:
• Present critical insights pertaining to Risk of the Bank, Capital Adequacy to the Line Manager.
• Define requirements documentation and achieve internal policy and compliance application.

Firm Consultant (Business Planning & Analysis Specialist) at OPUS S.A.
  • Greece
  • November 2001 to November 2002

Key Accomplishment:
• Assured that all firm requests for subsidies are successful.

Key Responsibilities:
• Collect data and appraise projects inclusive of technical & economic costs & benefits analysis, competitor analysis and 3-5 years financial analysis for firms interested in making fixed capital investments from grants received under multiple European Union Programs.

Entrepreneur at Freelance
  • Greece
  • October 2000 to June 2001

Key Responsibilities:
• Taught Mathematics, Statistics, Macroeconomics and Quantitative Economics to college students for an Academic Term.

Financial Broker at ARION S.A.
  • Greece
  • May 2000 to December 2000

Key Responsibilities:
• Conduct technical & fundamental analysis for listed Greek companies and recommend buy, sell & hold to customers.

Financial Broker at IONIA S.A.
  • Greece
  • April 2000 to May 2000

Key Responsibilities:
• Conduct technical & fundamental analysis for listed Greek companies and recommend buy, sell & hold to customers.

Financial Broker at IOLKOS S.A.
  • Greece
  • July 1999 to March 2000

Key Responsibilities:
• Conduct technical & fundamental analysis for listed Greek companies and recommend buy, sell & hold to customers.

Financial Broker at VIRTUS S.A.
  • Greece
  • January 1998 to July 1999

Key Responsibilities:
• Conduct technical & fundamental analysis for listed Greek companies and recommend buy, sell & hold to customers.

Firm Consultant (Business Planning & Analysis Specialist) at ICAP S.A.
  • Greece
  • June 1997 to December 1997

Key Accomplishment:
• Assured that all firm requests for subsidies are successful.

Key Responsibilities:
• Collect data and appraise projects inclusive of technical & economic costs & benefits analysis, competitor analysis and 3-5 years financial analysis for firms interested in making fixed capital investments from grants received under multiple European Union Programs.

Assistant Accountant at Video Control S.A.
  • Greece
  • January 1997 to May 1997

Key Responsibilities:
• Punch certificates using accounting programs
• Present analysis & interpretation of financial ratios to the Management Committee

Junior Researcher at Center of Economic and Environmental Strategy
  • Greece
  • June 1996 to September 1996

• Wrote essays in English on specific issues supervised by a Professor of Economics at University of Athens
- "The role of science and technology for regional, the applied side, the case of Greece"
- "The impact of accession of Greece to EEC"

Reservist Officer at Greek Army
  • Greece
  • February 1994 to March 1996

Key Responsibilities:
• Prepare tests for the purchase of military material inclusive of uniforms, boots, clothes, undershirts and military bags.
• Inspect establishments and facilities of producers.
• Select samples of material to be sent to the State Chemical Laboratory for examination against the standards.
• Draft a report on whether the material is suitable and arrange offers in descending order.
• Properly maintain military vehicles for round the clock availability.

Education

Master's degree, Finance & Banking
  • at Economic University of Athens
  • May 2006
Higher diploma, Development Economics
  • at University of Kent
  • September 1992
Bachelor's degree, Economics
  • at Economic University of Athens
  • June 1990

Bayt Tests

English for Business Skills Test
Score 60%

Specialties & Skills

Banking
Finance Sector
English
Business Plan Formulation
Quantitative Methods, Derivatives (Options, Swaps & Futures), Accounting Standards
IT: MS Word, MS Excel, MS PowerPoint, E-Views, TSP
Accounts Payable/Receivables Management, Asset Management, Cash Management
Corporate Finance, Financial Analysis, Investment Analysis (NPV, IRR & Payback)
Business Management, Risk Management, Customer Relationship Management
Emotional Intelligence, Judgment & Decision Making, Service Orientation, Negotiation, Cognitive flex
Complex Problem Solving, Critical Thinking, Creativity, People Management, Coordinating with Others

Languages

Greek
Native Speaker
English
Expert
Serbian
Intermediate
Arabic
Beginner

Memberships

Municipal Organization of Sports of Psyhiko
  • Swimming / Yoga
  • April 2008
Cultural Center of Agricultural Bank Employees
  • Theater
  • April 2003

Training and Certifications

Certified Financial Sector Executive (Certificate)
Date Attended:
July 2016
Certified insurance intermediary (Certificate)
Date Attended:
November 2009
Certificate in Derivatives, Athens Derivatives Market (Certificate)
Date Attended:
June 2001
Economist license, Second Class Accountant License (Certificate)
Date Attended:
June 1995

Hobbies

  • Theater
  • Swimming / Yoga/ tai chi
  • Writing
    "Thoughts and notes related to the capital markets" published in the magazine "Money" September 2004 Issue; "Is stock prediction reliable?" capital.gr/Articles.asp?id=1734916