Rawad El Chammas, MBA

Experience

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  Byblos Bank Group

  Jul 2005 - Aug 2007

  Operations Officer

  • Executed all non-cash transactions incoming to the branch and ensured accuracy of documents • Sustained relationships with clients based on understanding of business and banking needs• Generated and controlled end of day reports as required per control procedure• Assisted in the processing of pending transactions on a regular basis

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  Commercial Bank of Dubai

  Sept 2007 - Oct 2009

  Commercial Relationship Officer, Corporate Banking

  • Prepared credit proposals within given time frames• Conducted financial analysis and SWOT analysis with proper justifications• Dealt with sanctions and adjustments of various types of corporate facilities• Coordinated and follow up with Credit Department for facilities approval.• Regular review of outstanding facilities and internal reporting to concerned departments• Due diligence pertaining to Credit Risk as per bank's policies and Central Bank's guidelines• Scrutiny of Credit Proposals with special emphasis on quality of collaterals and industry review• Managed various relationships with clients and provided support Show less

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  Future Pipe Industries

  Nov 2009 - Dec 2010

  Financial Analyst

  Played a private role in ensuring annual budgets are prepared in a consistent and timely manner as well as developing and maintaining monthly forecasting models to assist senior management in identifying and bridging any existing performance gaps.• Managed the overall budgeting process for the group• Provided analysis and commentary on weekly AR, AP, cash and bookings reports• Prepared ad-hoc reports and analysis as requested by Chief Financial Officer• Provided analysis and commentary on planned financial reports vs. forecasts by business unit, highlighting the underlying drivers for the forecast • Documented financial protocols for the group and implement a financial reporting system to monitor adherence to these protocols.• Conducted financial/economic research and analysis for competitor benchmarking purposes• Built financial models and conducted analysis to support strategic decision-making.• Monitored funds availability and liquidity within the Group Treasury; Reviewed business unit spending forecasts for accuracy and adherence to minimum requirements for investment returns to assess near-term financial needs• Initiated bank relationships by developing and evaluating RFPs. Show less

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  Cat Financial

  Jan 2011 - Nov 2022

  Market and promote Financial Products Division (FPD) products and services to Caterpillar dealers and customers in Middle East & East Africa. Develop strong relationships with Caterpillar enterprise partners and key FPD departments.• Doubled the number of transactions in Africa in my first year of assignment.• Booked the first deal under the Indirect Retail Finance program created in Ghana which helped overall sales to increase by 27% in 2021. The program will be implemented in other assigned African countries due to its success.• In 2021, I grew EPP PODD in Saudi Arabia from 18.4% to 25% and in Turkey from 25% to 34.2%. Show less Provide relationship management for my assigned Machine Business Divisions (MBDs) such as (GCI, GRUES, Work Tools, Waste & Recycling) Solutions and Product Support (S&PS) Group. Align and integrate marketing solutions through delivering strategic value to the MBDs and to the Financial Products Division (FPD) field organization to support the sales of Caterpillar equipment. Review the work of or provide guidance to lower level Market Development team members.• Managed and integrated all marketing solutions for Europe, Africa & Middle East, sharing the campaign results with Machine Business Divisions (MBDs) in the monthly business alignment meetings and showing how Caterpillar Financial are contributing to the sales of Caterpillar equipment and services growth strategy. • Successfully created and managed all merchandizing sales variance programs (15 in total) to ensure the business plan of Europe, Africa Middle East region is achieved without overspending leading to incremental sales of Cat Equipment and contributing to growing services strategy.• Represented the Global Marketing Team in several events and seminars across EAME. I was part of the team that managed Bauma event in Munich (world’s leading construction machinery fair that happens every 3 years) which I attend personally in 2019 and led for a record year in sales. Show less Market and promote Caterpillar Financial Services (CFS), Caterpillar Financial Insurance Services (CFIS) financial products and services to Caterpillar dealers and customers in an assigned territory in order to meet CFSC’s business plan. •Structured and booked the largest deal in 2018 ($20m) that bundled all possible solutions together (machine, finance, insurance, and service agreement) helping dealer and Cat to increase PINS and market share in GCC.• Maintained PODD levels for all territories assigned to me above 50% year on year.• Delivered more than $50m (average) of business each year.• Received the ‘’Territory Manager of the year award’’ in 2018 for Europe, Africa, Middle East ahead of 60 sales personnel. Show less Provide sales support to the Dubai Cat Finance Office, Territory Managers, Caterpillar dealer personnel, MPCs and OEMs.• Work with TMs to create more time for them to spend on new business development - Take ownership of all deals less than $1,000,000 in a timely manner from A to Z.• Liaise with credit department for deal approval in order to get loan documents prepared within 24 hours to fulfill customer satisfaction. • Achieve new business metrics by promoting and utilizing marketing programs and plans specifically for all Al Bahar territories and contributing to the total line unit’s goals.• Build relationship with all dealer sales engineers by maintaining regular contact and questioning to understand their needs.• Participate in TM quarterly review meetings - provide data to support objectives for each session - one per branch • Work with TMs to demonstrate the value of a captive finance company to our dealers by mining data to provide sales opportunities and maintain customer contact. 1) Provide BTN portfolio on quarterly Basis 2) Develop point of sale tools for dealer sales team 3) put together examples to use as proposals to customers. Show less

  • Area Sales Operations Manager

    Dec 2020 - Nov 2022

  • Senior Market Development Consultant

    Sept 2018 - Dec 2020

  • Senior Territory Manager

    Mar 2012 - Sept 2018

  • Sales Support Representative

    Jan 2011 - Feb 2012
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  Caterpillar Inc.

  Oct 2022 - now

  Aftermarket Solutions Territory Manager