Armend Shasivari

2006–present Senior Micro Account Manager -Raiffeisen Bank Kosova, Prishtina

Responsible for the growth and profitability of the branch Micro sector.

Manages the team of credit specialists and credits of specific clients.

· Manages a team of credit specialists and ensures that all new credit applications are dealt with in a timely and efficient manner.

· Works directly with Micro clients to sell bank services and to process loans.

· Assist Micro Account Officers in loan recovery efforts.

· Plans weekly activities with the team under his/her supervision;

· Meets loan targets (both number and amount) as agreed with the Branch Manager (within the overall Bank targets).

· Meets with prospective clients and is responsible for the finalization of credit proposals, with a recommendation for loans and submits these to the Unit Head for inclusion at the next credit committee.

· *Monitors existing loans and ensures that all terms and conditions are being complied with.

· *Is responsible for carrying out financial analyses of both new and existing credit applications and ensures that adequate financial information on the borrowers is maintained at all times.

· *Ensures that loan repayments are received when due, and, if not received, takes immediate steps to ascertain the reason for non-payment and obtains payment as soon as possible.

· *Is responsible for collateral evaluation and verification of values given for collateral.

· Is responsible for credit review of existing clients.

· Seeks out and obtains new lending business within the parameters set out in RBKO (RZB) Credit Manual and Micro Credit Policy Paper.

· Accompanies Micro Account Officers in monitoring visits.

· Ensures that all lending documentations are correctly completed.

· Reports any significant discrepancy on a loan, its terms or conditions, to the Branch Manager, Micro Segment Manager and Micro Risk Manager without delay.

· Prepares such management reports and completes other tasks as assigned by supervisor, or Micro Segment Manager as may be required from time to time.

· Is fully conversant with the Bank Credit Rules and Regulations and computer procedures as they relate to his/her area of work.

· Ensures team meets credit balance targets and cross-sells other services (e.g payroll, e-banking, POS, cards etc.)

2006- 2007 SE Account Officer Raiffeisen Bank Kosova Prishtina

Originating and monitoring loans in compliance with bank objectives and procedures.

· Responsible for recruiting new clients,

· Collecting appropriate information,

· Analyzing and verifying information,

· Completing loan recommendation package,

· Monitoring client creditworthiness.

· Processing loans from 100tsd to 1.500tsd

1998–1999 Pharmaciens Sans Frontieres Prishtina&Skopje

Finance Officer

· Managing team of 25 employees

· Logistic Payments on daily basis

· Processing Salaries

• Managed financial reporting processes and ensured compliance with regulations.
• Analyzed financial data to identify trends and inform strategic decisions.
• Collaborated with cross-functional teams to optimize resource allocation.
• Provided training and support to junior finance staff on best practices.