Head of Unit – Operational Risk at Société Générale de Banque au Liban (SGBL) (2024-09 – Present)
- Overseeing and managing the operational risk framework and ensuring the bank operates within Acceptable risk levels.
- Ensure the risk framework effectively identifies, assesses, monitors, and mitigates operational risks Across all business lines and support functions.
- Analyze risk trends and incidents to identify patterns, root causes, and potential areas of concern.
- Prepare and present operational risk reports to senior management, the board of directors, and Regulators.
- Ensure that policies are effectively communicated, understood, and implemented across the organization.
- Lead, mentor, and develop the operational risk team, fostering a culture of accountability and continuous improvement.
Business Development Manager at Société Générale de Banque au Liban (SGBL) (2024-01 – 2024-08)
- Build and maintain relationships with clients, assessing their financial needs, and recommending suitable banking products and services
- Identify and cultivate new business opportunities within the banking sector
- Develop strategic plans to drive growth, analyze market trends, and collaborate with internal teams to optimize customer satisfaction and achieve sales targets
- Conduct financial analysis and risk assessments to ensure sustainable and profitable growth.
- Lead and mentor a team of business development associates, providing guidance and support to achieve team objectives.
- Prepare and present regular reports on business development activities, performance metrics, and growth projections to senior management.
Branch Manager at Société Générale de Banque au Liban (SGBL) (2005-09 – 2023-12)
- Managed the daily operations of the branch, including supervising staff, handling customer inquiries, and ensuring that all transactions were processed accurately and efficiently.
- Developed and implemented business plans for the branch, setting sales and service goals and developing strategies to achieve them.
- Built and maintained relationships with customers, providing personalized advice and guidance on financial products and services.
- Monitored branch performance and analyzed financial data to identify areas for improvement.
- Ensure that the branch complies with all internal policies and procedures, as well as external regulations.
- Identified and mitigated risks, such as fraud and operational errors, by implementing controls and procedures.
- Trained and coached branch staff to help them meet performance targets and develop their skills and knowledge.
- Collaborate with other departments within the bank, such as credit and marketing, to ensure that the branch meets the needs of its customers and contributes to the bank's overall success.
Corporate Credit Analyst at Société Générale de Banque au Liban (SGBL) (2003 – 2005)
- Conducted financial analysis and risk assessment of corporate borrowers, evaluating their creditworthiness and repayment capacity.
- Prepared credit proposals and recommendations based on analysis of financial statements, industry trends, and market conditions.
- Collaborated with corporate banking relationship managers to structure credit facilities that meet the needs of the bank's clients and align with the bank's risk appetite.
- Monitored the credit quality of the bank's corporate loan portfolio, and took proactive steps to manage risk and minimize potential losses.
Retail Lending Officer at Société Générale de Banque au Liban (SGBL) (2002 – 2002)
- Processed and evaluated loan applications for retail customers (personnel, car and housing loans).
- Provided financial advice and guidance to customers on loan options and repayment terms, ensuring a smooth and satisfactory lending experience.
- Conducted credit assessments and risk analysis of potential borrowers, and recommended appropriate loan structures and pricing.
- Monitored loan portfolios and ensured timely collection of payments, proactively managing any delinquencies or defaults.
Cross-Departmental Rotation at Société Générale de Banque au Liban (SGBL) (2000 – 2001)
- Gained experience in multiple bank departments, including Retail Banking, Corporate Banking, Investment Banking, and Private Banking.
- Assisted in various roles and responsibilities within each department, including customer service, account management, financial analysis, and risk assessment.
- Developed a strong understanding of the banking industry, including its regulations, trends, and challenges.
- Collaborated with different teams and departments to complete projects and achieve business objectives.
Customer Service Representative at Société Générale de Banque au Liban (SGBL) (1996 – 1998)
- Assisted customers with their banking needs, including opening accounts, applying for loans, and managing their finances.
- Resolved customer complaints and issues in a timely and professional manner, ensuring customer satisfaction.
- Promoted bank products and services to customers to meet their financial needs and increase revenue for the bank.
- Handled cash transactions and ensured the accuracy of all financial transactions, including deposits and withdrawals.
Accountant & Auditor at Pierre Antoun Office (1995 – 1996)
- Prepared and reviewed financial statements per accounting standards and regulations.
- Conducted audits of client financial statements and internal controls, including risk assessments and testing procedures.
- Provided tax planning and compliance services to clients, including preparation of tax returns and tax advice.
- Developed and maintained relationships with clients to ensure high levels of customer satisfaction.
