Ralph Sacy, Relationship Manager, Corporate Banking

Ralph Sacy

Relationship Manager, Corporate Banking

Byblos Bank SAL

Location
Lebanon - Beirut
Education
High school or equivalent,
Experience
7 years, 1 Months

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Work Experience

Total years of experience :7 years, 1 Months

Relationship Manager, Corporate Banking at Byblos Bank SAL
  • Lebanon - Beirut
  • December 2014 to November 2017

§ 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.

Assistant Relationship Manager at Credit Libanais SAL
  • Lebanon - Beirut
  • March 2012 to November 2014

§ 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.

Financial Controller at Lebanese Canadian Bank (LCB)
  • Lebanon
  • September 2010 to December 2011

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

Education

High school or equivalent,
  • at BUSINESS SCHOOL MADRID
  • December 2018

International MBA

Bachelor's degree, Economic Sciences
  • at UNIVERSITÉ SAINT JOSEPH, FACULTY OF ECONOMICS SCIENCES (USJ
  • August 2008

-FSE)

Master's degree, Banking and Financial
  • at UNIVERSITÉ SAINT JOSEPH, FACULTY OF ECONOMICS SCIENCES (USJ
  • July 2008

-FSE)

Specialties & Skills

Outlook
Finance
Economics
Banking
Reporting
BANKING
CASH FLOW
CLOSING
CUSTOMER RELATIONS
EQUILIBRIO
FINANCIAL
QUALITY
REPORTS

Languages

Arabic
Expert
English
Expert
French
Expert