Amer Minkara

Experience

• 

  Byblos Bank S.A.L

  Jul 2006 - Jul 2006

  Customer Service Representative

  - Assist in all kinds of transactions (cash & cheque deposit, transfers...) - Sell banks’ products (loans, insurance, credit cards...)- Assist in opening accounts (current, saving)

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  AMCO (Accounting & Management Consulting)

  Aug 2007 - Aug 2007

  Accountant

  - Prepare Balance Sheet and PL Statements for companies- Perform firms and pharmacies accounting- Assist the audit team in various projects

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  Bank of New York Mellon

  May 2008 - Jul 2008

  Asset Management Analyst

  Asset Management Department :- Perform financial modeling and valuation through comparable company analysis (peer comparison), transaction analysis, and discounted cash flows analysis- Prepare exhaustive data analysis reports, equity templates and valuation presentations - Review & consolidate MIS reports related to Portfolio turnover, average annual return- Conduct several researches regarding several industries Vs Geographic focusing & Assets classes

• 

  Libano-Française Bank S.A.L (Paris, France)

  May 2009 - Aug 2009

  Assistant Relationship Manager

  Corporate Banking Department :- Work on clients’ requests (Punctual line, Excess over the line, Transfers, Exchange and Swap operations...)- Discuss corporate requirements, lines structure (L/C, L/G, Overdraft....) with the related terms and conditions with the Relationship Manager- Commercialize & sell the bank products (loans, cards, insurances...)- Analyze the sectors in order to choose the right products and timing- Analyze corporate financial statements using Moodys’- Prepare credit file proposals for the credit committees with due focus on risk analysis and mitigate operational management and environmental factors and duly supported by the financial highlights, addressing key factors in accordance with Bank's policy. The credit presentations are prepared in concise and balanced manner, and reflect high quality and standards.- Contact clients to obtain some specific details about the activity and/or financial statements etc..- Collaborate with the other departments in the bank to solve some issues 收回

• 

  Banque Libano-Française

  Jan 2010 - Aug 2014

  - Meet clients and find out their business needs and lend them the suitable credit facilities- Prepare a thorough credit proposals by covering market analysis and financial statements analysis by calculating various financial ratios (Solvency, Liquidity, and Profitability ratio...) taking into consideration the bank’s Standards Operation Procedures ‘SOP’ and Central Bank regulations- Coordinate and follow up regularly with the related departments.- Commercialize & sell the bank products (loans, cards, insurances...)- Analyze the market regularly in order to choose the right products- Follow up with clients to obtain the required documents in order to complete the credit file proposal- Maintain a good relationship with the existing clients and ensure that all their bank’s enquiries are met on timely and professional manner in order to maintain high customer service- Prepare short term business plan and client acquisition strategy in order to target new potential clients and offer them the best suitable banks products and services which fits their business requirements 收回 - Review and analyze credit proposals with the financial statements and cash flow projections for new and existing Corporate clients- Assessing non-financial information such as business risk, industry & market risk for corporate clients- Conduct sensitivity analysis and submit it to the Credit Committee.- Undertake spreading and in-depth meaningful analysis of corporate financial statements (Balance sheet, P&L, Income statement, statement of retained earnings, statement of cash flows)- Verify various ratios (Solvency ratio, Liquidity ratio, Profitability ratio ...) and comparative analysis through Moody’s software- Establish cordial relationship with all Business and Support divisions for effective coordination and provide clarification on any queries raised- Conduct detailed due diligence for the Credit Committee and higher approval levels covering all the aspects of risk related to the proposed and existing credit facilities for each customer.- Confirm customers’ credit risk rating and suggest changes where necessary based on customers solvency and operating performance/annual & interim financials and changes in market environment by focusing on the European, Lebanese and Syrian markets.- Validate procedures for Corporate and Risk departments for our subsidiaries in France, Switzerland, Cyprus and Syria 收回

  • Expert Relationship Manager

    Jan 2011 - Aug 2014

  • Corporate Credit Risk Analyst

    Jan 2010 - Jan 2011
• 

  Societe Generale

  Oct 2014 - Aug 2017

  Expert Relationship Manager

  - Develop the portfolio by searching for new clients and propose facilities for the potential ones- Conduct clients’ meetings to discuss their business needs and offer them the best suitable banks products andcross selling (funded and non-funded products)- Commercialize & sell the bank products (loans, cards, insurances...)- Create financial statements & cash-flows to get an unbiased view of company’s financial health- Maintain an excellent relationship with the existing clients and ensure that all their enquiries are met on timely and professional manner in order to maintain high customer service- Prepare business plan and client acquisition strategy in order to target new potential clients and offer them the best suitable banks products and services which fits their business requirements- Follow up with clients to obtain the required documents in order to complete the credit file proposal 收回

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  BankMed

  Sept 2017 - Feb 2023

  Senior Relationship Manager

  Small and Medium Enterprises ‘SME’ Department - Build and develop a portfolio of corporate clients by granting them corporate facilities- Conduct site visits to clients and discuss their business needs and offer them the best suitable banks products and cross selling (funded and non-funded products)- Study financial statements and prepare cash-flows to evaluate company’s performance and thus choose the suitable facilities to grant- Assess regularly the market- Maintain and develop an excellent relations with existing clients and ensure that all their enquiries are met on timely and professional manner in order to maintain high customer service- Prepare business plan and client acquisition strategy- Follow up with clients to collect the required documents in order to complete the credit file proposal- Establish cordial relations with all Business and Support divisions for effective coordination and provide clarification on any raised queries- Conduct detailed due diligence for the Credit Committees and higher approval levels covering all risk aspects related to the proposed and existing credit facilities for each customer- Join Executive Credit Committees to present and discuss credit files and get the required approvals 收回