Constantinos Varnavides

Duties Involved:
• Collaborate with the head of the dpt in setting up action plans to achieve the dpt’s goals and target sales
• Oversee the department’s functions, in absence of the head
• Ensure that the team of 8 Loan officers performs to the standards and values set by the organization
• Evaluate each loan officer individually as to their performance and achievements using appropriate evaluation software and making reports and recommendations to the head and higher management on the findings.
• Helping the team find its weaknesses and overcome any problems
• Daily monitoring of credit reports being generated through CRM and KPI systems and take corrective steps/actions
• Meeting and interviewing both retail and business customers- existing and new for identifying and fulfilling their Banking needs
• Analyzing and Evaluating customer loan or new account applications
• Handling loan restructuring cases and ensuring maximum repayment of sanctioned loans with minimum loss
• Customer financial analysis to ensure a viable restructuring solution
• Handling and solving own portfolio customer requests and complaints
• Investigating customer’s profile and history through databases and systems (such as Worldcheck) according to AML regulations
• Read and understand Central Bank’s and CySec’s Circulars and regulations
• Presenting results or courses of action to colleagues and higher level management
• Achieve assigned, both personal and department’s, new Loans and Cross selling targets
• Ensure all approved loans and credit conform with the regulations set by both the Bank and Central Bank
Accomplishments:
• Trained more than 20 new employees on policies and procedures, loan guidelines and computer systems resulting in new employees being effective members of the department faster.
• Customers consistently returned satisfaction surveys with 100% resulting in repeat business and referral business.
• Solidify contacts with local contractors, financial advisors, lawyers and other referral sources to ensure a steady incoming flow of new high caliber customers
• Successfully restructured more than €20M worth of non-performing loans over the last 4 years

Duties involved:
• Act as a replacement for absent Department Heads and supervisors in different Branches across Nicosia
• Ensuring the smooth continuation of the branch's operations in absence of the head/supervisor/manager
• As an operations/cashier supervisor had responsibilities like to authorize payments beyond teller limits, inspect teller's cash balancing, trace any cash discrepancies and ensure that the cash reserves, both local and foreign currency, were adequate and within the limits set by the Bank
• Ensuring that all customers were greeted and serviced professionally with the highest standards
• As a Loan dpt head deputy had the responsibility of evaluating loan applications prepared by loan officers, meet with new customers, solve any problem arising within the department either by a loan application or by customer and ensuring that the department was performing as needed

Accomplishments:
• Repeatedly got high appraisals and recommendations by Branch Managers for excellence in adapting to the new assigned roles, the handling of the employees and customers

Duties involved:
• Promoting the Bank’s products and services to customers
• Meeting and interviewing prospect customers
• Handling customer enquiries, complaints or account opening
• Presenting new Bank products and services to cashiers loan officers and the managerial team
• Training cashiers and loan officers on customer handling techniques’, on how to achieve their personally assigned sales figures.
• Planning, setting up and implementing, on branch level, action plans to achieve assigned targets in Deposits, Loans, Credit Facilities, customer retention and portfolio quality.
• Monitoring and maintaining branch’s sale figures and results through the use of CRM and KPI software and Ms Office Suite applications

Accomplishments:
• Met all Branch annual targets which involved increase in new Loans by up to 10% each year, increase in deposits by up to 9% a year
• In 2004-2005, due to the training and my assistance 4 cashiers and 2 loan officers have been awarded for high performance on Cross Selling
• In 2005 the Branch was awarded the Banks Excellence award and ranked 1st in its category (Branches with more than 20 employees with a loan portfolio in excess of CYP 48 Million - equivalent to EUR 90 Million) for its profitability, deposit and Loan figures

Duties Involved:
• Oversee the Branch’s cash and valuable reserve in local and foreign currency are within the predefined limits and adequate for the daily needs
• Monitor the work of cashiers on a daily basis
• Create and distribute cashier schedules and till allocation
• Ensure that workload is equally divided between cash registers
• Perform cashier duties during cashiers’ absence or extreme workload
• Evaluate performance of cashiers and provide managers with information on appraisals
• Ensure that each customer’s transactions are processed accurately and in a time efficient manner
• Manage bank deposit activities and make sure that cash is counted accurately at the end of the day
• Reconcile cash and cheques with receipts at the end of the day and make sure that any discrepancies are managed immediately
• Resolve employee conflicts and ensure that any customer complaints are handled immediately
• Responsible for all cash transfers to and from the cash vault
• Ensuring ATM smooth functionality and cash reserve
• Responsible for cash transfers to and from the branch using armored escort

Accomplishments:
• Got an additional salary increment due to exceptional and outstanding performance

Duties Involved:
• Offering excellent customer service to existing and new customers
• Daily cash, cheque and credit card handling both in local and foreign currency
• Checking daily cash accounts
• Guiding and solving queries of customer
• Referring and generating appointments for the Loan advisors
• Working effectively as part of a hardworking and customer driven team

Accomplishments:
• Got promoted to Head cashier for high performance and cross selling