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Theodoros Tsiavos

Theodoros Tsiavos

Retail Sales Representative

Followers of Theodoros Tsiavos501 followers
location of Theodoros TsiavosAthens Metropolitan Area

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  • Timeline

  • About me

    Economist, MSc | Corporate & SMEs Workout Asset Manager | Real Estate

  • Education

    • University of Patras

      2003 - 2008
      B.Sc. in Business Management Specialization Financial Money and Banking, Financial Market, Financial Analysis and Risk Rating, Risk Management, Portfolio

      Activities and Societies: Dissertation: Finance, Business Administration, Management, ‘e-Banking. Research of the Greek market.'

    • Hellenic Open University

      2015 - 2018
      M.Sc. in Banking Banking Environment, Banks Management, Means of Banking Operation, Banking Strategy

  • Experience

    • PRAKTIKER

      Sept 2006 - Nov 2006
      Retail Sales Representative

      Salesman at Furniture department

    • MEDIA MARKT

      Mar 2007 - Oct 2007
      Retail Sales Representative

      Salesman at Video-TV departmentMet personal and team sales targetsEvaluated customers' needs

    • Eurobank (GRE)

      Oct 2007 - Aug 2008
      Corporate Credit Control Officer Assistant

      Small Business Banking Division / Credit Control • Checking customer's credit ratings with banks.• Controlling of the 'Teiresias' database concerning the loaning ability of the clients.• Registering corporate loans for Credit Control

    • Eurobank (GRE)

      Oct 2008 - Mar 2010
      Customer Service Representative

      Eurobank Cards• Providing phone service to Eurobank & Open24 Branch network, to Personal and Private Banking customers.• Giving information and helping Europhone Banking & Visa Business line to solve problems.• Holding statistics MIS Report for incoming and outgoing calls (KPI’s).• Updating and maintaining the Intranet website.

    • CREDICOM CONSUMER FINANCE & EMPORIKI RENT

      Apr 2010 - Jun 2017
      Collection & Litigation Officer

      • Treatment of accounts in litigation status.• Restructuring delinquent loans.• Payments, Collections, Legal Document Preparation, Auction, Reports.• Ledger Reconciliation, sending invoices, creating settlement agreements, setting up repayment plans according to the ability to pay.• Management of Corporate & Retail portfolio liability, legal expenses of lawyers and bailiffs by compiling and analysis account information.• Court representative as a witness for Emporiki Rent.

    • Cepal Hellas Financial Services S.A.

      Sept 2017 - May 2022
      Financial Advisor (Mercury & Symbol SB Portfolio)

      • Banking and Non-Banking loans Portfolio management.• Participates in the meetings held with the debtor and other creditors in order to negotiate the solution offered or any counter-proposal.• Prepares the credit memo recommending the appropriate debt solution based on the analysis of the debtor’s financial information, as well as the review of the assessment of any counter-proposal, taking also into account the recovery strategy framework in order to ensure the maximisation of recoveries.• Monitoring NPLs in order to maximize recovery and past due loans.• Reconstructing and refinancing of NPLs Show less

    • DoValue Greece

      May 2022 - Sept 2022
      Individual Banking Relationship Manager (Frontier ML Portfolio)

      • Reviews cases (including financial statements analysis, business plan analysis, collateral analysis etc.) and formulate restructuring strategies in line with the portfolio owner business plan. • Communicates with debtors to assess their willingness to pay and business plans to evaluate financial standing.• Negotiates the preferable solution with the debtor and other creditors, if applicable, and assess any counterproposal proposed by them.• Monitor debtors’ compliance to restructuring solutions, debtors’ compliance with contractual terms, revaluation of collaterals, etc. Show less

    • SILVERTON SERVICING SOLUTIONS S.A.

      Sept 2022 - now
      Corporate and SME Asset Manager

      • Corporate and SME loans portfolio manager which are Secured by RE.• Management of Assets securing loans, including implementation of strategies for debt recovery and ongoing management of secured assets in a timely fashion.• Conduct due diligence on the loan portfolio and assist in formulating the optimal strategy for maximizing loan recovery.• Coordinating external parties (legal) advisors when executing workout measures• Supporting the acquisition team within the due diligence phase of new portfolios.• Monitoring and Management of Out-of-Court Workout (OCW) mechanism for debt repayment. Show less

    • SILVERTON Group

      Sept 2022 - now
      Corporate and SME Asset Manager

      • Corporate and SME loans portfolio manager which are Secured by RE.• Management of Assets securing loans, including implementation of strategies for debt recovery and ongoing management of secured assets in a timely fashion.• Conduct due diligence on the loan portfolio and assist in formulating the optimal strategy for maximizing loan recovery.• Coordinating external parties (legal) advisors when executing workout measures• Supporting the acquisition team within the due diligence phase of new portfolios.• Monitoring and Management of Out-of-Court Workout (OCW) mechanism for debt repayment. Show less

  • Licenses & Certifications

    • Certificate in English

      University of Michigan
      May 2005

    • Negotiations Skills

      Επαγγελματικό Επιμελητήριο Αθηνών (EEA) - Athens Chamber of Tradesmen
      May 2024

    • Microsoft Excel 2013 Certification

      ECDL / ICDL Certification
      Jun 2014

    • Risk Management & Digital Tools

      TÜV AUSTRIA HELLAS Inspection and Certification Body
      Sept 2023