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Work Background
Senior Management Consultant
Villagio ResortsSenior Management Consultant
Dec. 2024Lebanon
Head of Unit
Bank Audi SALHead of Unit
Sep. 2016Commercial Banking Center- Manage and coach a team of Commercial Relationship Managers - Manage and develop a total unit portfolio of around $150 Million - Maintain profitable relationships with commercial & corporate clients and source new profitable relationships to the bank
Team Leader
Bank Audi SALTeam Leader
Jul. 2014 - Aug. 2016Lebanon- Manage and coach a team of Commercial and SME Relationship Managers - Manage and develop own and unit portfolio totaling around $150 Million - Maintain profitable relationships with commercial & corporate clients and source new profitable relationships to the bank
Senior Relationship Manager
Bank AudiSenior Relationship Manager
Jul. 2012 - Jun. 2014Lebanon- Manage and coach a team of Junior Relationship Managers - Manage and develop own and unit portfolio of around $60 Million - Maintain profitable relationships with commercial & corporate clients and source new profitable relationships to the bank
Head of Corporate Credit Unit
Bank Audi SALHead of Corporate Credit Unit
Jul. 2012 - Dec. 2024Corporate Banking
Senior Relationship Manager
Al Khalij Commercial Bank (alkhaliji) - QatarSenior Relationship Manager
Oct. 2008 - Jun. 2012- Develop and manage commercial relationships with business clients - Define business clients’ financial needs, analyze their capital requirements/projects’ cash flows and prepare facilities’ structure accordingly - Liaise with various internal departments (Credit-Risk, Legal, Compliance, Operations) for smooth and quick turnaround of transactions. - Periodically verify/inspect required securities and other facilities conditions - Ensure an optimized and proper facility utilization to enhance the account’s profitability while keeping risks versus rewards at acceptable levels - Cross-sell business clients with FX deals and Retail package solutions - Refer business clients with operations in France and UAE to khaliji France Business Departments. - Monitor and reassess own portfolio and conduct necessary limits restructuring - Formulate exit strategies for non-profitable relationships - Ensure asset quality by maintaining irregular accounts and provision below set standards - Manage a team of Relationship Officers - Undertake coaching reviews with junior team members
Senior Corporate Sales Officer
Byblos Bank - LebanonSenior Corporate Sales Officer
Jan. 2005 - Sep. 2008Beirut, Beirut Governorate, Lebanon- Prepare and Customize Profitable Corporate Retail Packages - Promote Retail packages to corporate staff through group presentations - Initiate/assist initiating cross-selling strategies and tactics - Promote and Sell Expatriates' Packages overseas: Qatar in 2007, Dubai in 2006, Nigeria in 2005 - Promote Group Offering packages to corporate companies in Syria - Extract Sales Reports and contribute in Marketing and Sales strategies - Initiate various Tele-marketing campaigns in coordination with other bank’s sales channels
R & D Analyst
Byblos Bank - LebanonR & D Analyst
Sep. 2003 - Dec. 2004- Conduct full research studies/reports about the University students segment - Prepare Monthly MIS/Retail Activity reports - Prepare Detailed Market Share Reports on a quarterly basis - Prepare Credit Cards full Report on a bi-Annual basis - Prepare Competition Benchmarking Analysis Reports - Validate, compile and test Phone/E-Banking functional requirements (Prior to Launch)
Assistant Product Manager - Small Business Unit
Byblos Bank - LebanonAssistant Product Manager - Small Business Unit
Sep. 2001 - Aug. 2003- Prepare/Compile small business credit files and seek Risk approval on the same - Prepare/Compile subsidized credit files for SMEs and seek approval by the related Government Entities on the same - Insure subsidized loans’ disbursal in compliance with Central bank’s regulations - Prepare related Monthly MIS/Market share reports
Market Research Officer
Byblos BankMarket Research Officer
Aug. 2000 - Dec. 2001- Prepare Retail Products Sales Evolution reports - Make Mystery Shopping visits and Prepare Competitive Benchmarking Reports - Assist the Marketing Department with Ad hoc research projects - Assist in Customer Information Quality Project (Customer Data Cleansing)

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