Artur Abrahamyan

Experience

• 

  Armenian Development Bank OJSC

  Nov 2014 - Dec 2016

  Credit Officer

  • Meeting with clients interested in taking out a loan and providing them with the necessary information to start the loan application process.• Collecting the needed financial documentation and assessing the clients' creditworthiness.• Calculating and analyzing the risk ratios of clients based on their credit score and financial history.• Approving or denying loan requests, and communicating your decision to both clients and management.• Setting up payment plans for clients explaining monthly installment amounts, interest rates, and other costs.• Maintaining records of loan applications by using loan management software.• Managing loan renewals by organizing follow-up meetings with clients.• Monitoring the progress of the loan application process and relaying any hindrances to clients.• Ensuring that loan applications are in line with the company's financial policies, as well as state laws and regulations. Show less

• 

  AraratBank OJSC

  Jan 2017 - now

  Job Role and Responsibilities:• Achieve annual targets for branch set in AOP (Annual operative plan)• Make action plan, and strategize to get profit through branch operations and cross sell• Keep up to date with product to provide suitable advice to the customers• Reduce the waiting time for customers in branch• Increase the customer satisfaction• Know the value bankers (VBs) productivity and revenue generation.Deliverables:• Ensure smooth functioning of the branch and follow banking norms• Responsible for monitoring business, compliance and operations• Responsible for taking decisions that are cost effective and generate revenue• Monitor the branch sales targets and strategize to acquire new accounts and expand existing accounts by offering various financial products and services to the customer Show less • Meeting with clients interested in taking out a loan and providing them with the necessary information to start the loan application process.• Collecting the needed financial documentation and assessing the clients' creditworthiness.• Calculating and analyzing the risk ratios of clients based on their credit score and financial history.• Approving or denying loan requests, and communicating your decision to both clients and management.• Setting up payment plans for clients explaining monthly installment amounts, interest rates, and other costs.• Maintaining records of loan applications by using loan management software.• Managing loan renewals by organizing follow-up meetings with clients.• Monitoring the progress of the loan application process and relaying any hindrances to clients.• Ensuring that loan applications are in line with the company's financial policies, as well as state laws and regulations. Show less

  • Branch Manager

    Jul 2022 - now

  • Deputy Branch Manager

    Sept 2018 - Jul 2022

  • Leading Credit Officer

    Jan 2017 - Sept 2018