Ralph Sacy

§ Managed a portfolio of 42 corporate clients with total facilities exceeding USD 180 million.
§ Developed, supervised and maintained existing relationships with corporate clients, providing appropriate
financial advice, products, services and solutions.
§ Introduced new prospects for above USD 20 million.
§ Initiated active cross-selling of retail and private banking solutions.
§ Controlled credit assessment from application until final approval and closing, by analyzing the profitability of
each relationship and defining corporate risk.
§ Served as continuous referent to new joiners and supervised onboarding process.

§ Maintained existing relationships and developed new opportunities (Portfolio management).
§ Prepared quality and accurate credit presentation.
§ Forecast of cash flow according to different scenarios (financial models and stress test).
§ Determined client’s needs and demands in order to provide relevant products and solutions.
§ Coordinated with Risk, Compliance and Legal departments to ensure that Bank regulations and procedures are
constantly met.

§ Prepared monthly branch profitability reporting, including cost of capital and overheads allocation.
§ Generated analytical review of daily summary balance sheet and explained variations.