Betrework Haile
Georgetown,TX
Overview
32
32
years of professional experience
Work History
Director, Risk Management & Compliance
Ahadu Bank
Addis Ababa, Ethiopia
01.2024 - 06.2024
- Directed the organization's risk exposure and mitigations.
- Ensured compliance with applicable laws, regulations, and internal policy & procedures
- Maintained regular communication with the Board of Directors, the Central Bank, and other regulatory organs to report on risk exposure and compliance status.
- Ensured adherence to approved risk appetite and tolerable limits while informing the BODs of daily operations.
Director, Executive Assistance Office
Ahadu Bank
07.2023 - 01.2024
- Reviewed internal reports and followed up timely rectification of identified irregularities.
- Implemented systems for progress tracking on key initiatives or projects.
- Evaluated department policies and procedures in line with corporate guidelines.
- Coordinated activities to expedite work and improve collaboration with other departments.
- Collaborated with senior leadership to establish long-term company objectives.
Director, Credit Appraisal & Portfolio Management
Ahadu Bank
11.2022 - 06.2023
- Directed the operation of the credit department.
- Created policies and procedures in line with corporate standards to support the credit function.
- Reviewed credit underwriting recommendations and endorsed them for final approval by the Credit Committee.
- Engaged in the decision-making process as part of the Executive and Senior Management Credit Committee.
- Coordinated functional team in implementing Core Banking System.
- Regularly reported the credit department's operations to Executive Management and the Central Bank.
Director, Retail Banking
Ahadu Bank
06.2022 - 10.2022
- Directed the operation of the Retail Banking department.
- Created policies and procedures in line with corporate standards to support Retail Banking services.
- Coordinated implementation of the core Banking System by leading a functional team.
- Directed and coordinated the planning and budgeting activities of branches to optimize resource allocation.
- Reported Retail Banking operations to Executive Management and the Central Bank regularly.
Director, Operation
Ahadu Bank
11.2021 - 05.2022
- Participated in the launch and operationalization activity of the bank.
- Developed policies and procedures to align with corporate standards and enhance core banking services.
- Led a functional team to coordinate the implementation of the core Banking System.
- Coordinated planning and budgeting of human capital and material resources for the launch and operationalization.
- Conducted frequent meetings with department heads to monitor the advancement of the launch and operationalization project. Collaborated closely with key stakeholders to assess the progress of the project at regular intervals. Regularly convened sessions with department leaders to evaluate the implementation and success of the project.
Project Manager- IT Projects
Commercial Bank of Ethiopia
Addis Ababa, Et
11.2018 - 10.2021
- Developed and maintained project plans, timelines, and budgets.
- Conducted regular status meetings with internal teams and external partners to track progress against established milestones.
- Furnished project updates to various stakeholders, informing them on strategy, adjustments, and progress.
- Conferred with project personnel to identify and resolve problems.
- Produced thorough, accurate, and timely reports of project activities.
- Submitted budget estimates, progress reports, and cost tracking reports.
Executive Advisor to the President
Commercial Bank of Ethiopia
04.2016 - 11.2016
- Proactively develop, explain, and recommend options for resolving business problems.
- Contribute to the development and refinement of the corporate strategies and change impact assessments of the Bank.
- Advised the president on management strategies to enhance the bank's short-, medium-, and long-term value.
- Evaluated and provided feedback on reports sent to the president.
- Follow up on the implementation of the decisions of the Board of Directors and the President
Vice President, Operations
Ex-Construction and Business Bank
01.2011 - 03.2016
- Planned, Organized and Coordinated the activities of Core processes Credit, Trade Service and Customer Accounts and Transactions.
- Directed the study and introduction of systems and procedures for improvement of the efficiency and effectiveness of Credit, Trade Service and CATs processes.
- Review and approve work Programs, budget estimates and reports related to Credit, Trade Service and CAT.
- Ensure directives and requirements are adhered to while Credit, Trade Service and CATs Processes are performing their day-to-day activities.
- Participated in vertical credit approval committee
Credit Department Manager
Ex-Construction and Business Bank
09.2009 - 12.2010
- Developed and formulated credit plans.
- Ensured the provision of quality loans, thereby enhancing the asset quality and profitability of the Bank.
- Participated in the decision-making process for credit approvals
- Enhanced customer satisfaction by providing timely and informed credit decisions.
- Negotiated terms with clients facing financial difficulties to maximize recovery and maintain relationships.
- Analyzed customer financial statements, credit reports, and other data to assess the risk of extending credit.
- Reviewed customer payment histories to determine if additional security was needed before granting credit lines.
Finance and Investment Department Manager
Ex-Construction and Business Bank
09.2003 - 08.2009
- Planned, organized, directed, and supervised the financial and accounting functions of the Bank.
- Developed and formulated financial plans to ensure the provision of adequate funds to meet long- and short-term requirements.
- Developed accounting, internal audit, banking, budgetary control procedures, and practices.
- Ensured that financial records were properly maintained, and the daily position was prepared to keep the executive management well-informed.
- Consulted the executive management on financial matters relating to the operation of the Bank.
Acting Branch Manager
Ex-Construction and Business Bank – Main Branch
04.2003 - 08.2003
- Directed daily operations of the branch, including customer service, human resources, sales, and marketing activities.
- Provided guidance and support to team members regarding problem resolution and customer service issues.
- Coordinated approval or rejection of lines of credit or commercial, real estate, or personal loans.
- Resolved escalated customer complaints on time.
- Created reports summarizing operational performance metrics for senior management review.
- Monitored the financial performance of the branch every month.
- Maintained regular performance appraisals for subordinates through verbal, written, and ongoing review programs.
Head Credit Division
Ex-Construction and Business Bank – Main Branch
04.1999 - 03.2003
- Directed and supervised the credit function of the branch.
- Reviewed credit underwriting recommendations and endorsed them for final approval by the Credit Committee.
- Provided guidance and support to team members regarding problem resolution and customer service issues.
- Participated in the approval or rejection of lines of credit within the branch's discretion limit.
- Resolved escalated customer complaints on time.
- Created reports summarizing operational performance metrics for senior management review.
- Monitored the financial performance of the branch every month.
- Maintained regular performance appraisals for subordinates through verbal, written, and ongoing review programs.
Branch Manager
Ex-Construction and Business Bank
11.1996 - 03.1999
- Directed daily operations of the branch, including customer service, human resources, sales, and marketing activities.
- Monitored the financial performance of the branch every month.
- Provided guidance and support to team members regarding problem resolution and customer service issues.
- Resolved escalated customer complaints on time.
- Created reports summarizing operational performance metrics for senior management review.
- Conducted regular performance reviews for all employees in the Branch.
Loan officer
Ex-Construction and Business Bank
03.1995 - 10.1996
- Explained various types of loans available to customers and their associated terms and conditions.
- Provided customer service support throughout the entire process from application through closing.
- Reviewed client documentation and contracts for discrepancies and mistakes.
- Analyzed financial data to determine the feasibility of granting loans.
- Verified the accuracy of loan documents before approval.
- Negotiated terms and conditions of loan contracts.
- Identified opportunities for cross-selling more products and services.
- Prepared reports detailing loan portfolio performance metrics.
Bank Clerk
EX-Construction and Business Bank
12.1992 - 02.1995
- Performed transactional, operational, and customer support tasks through knowledge of bank procedures and products.
- Served as a crucial liaison for bank branches, facilitating communication on guidelines and practices.
- Resolved customers' account problems and discrepancies.
- Verified mortgage and other loan payments for accuracy of dates and amounts.
Education
MBA – International Business -
University of Greenwich
London, UK07.2013
Bachelor of Arts Degree – Accounting -
Addis Ababa University
Ethiopia07.1992
Skills
- Leadership
- Time Management
- Teamwork
- Proficient Communication
- Credit Analysis
- Financial Management
Trainingsobtained
- Frankfurt School of Finance & Management - Leaders Development Program
- WR Educational and Leadership Institute - Corporate Leadership
- Crown Agents Training and Professional Development - Stress Testing
- Crown Agents Training and Professional Development - Risk Management in Banks and Financial Crime prevention
- Marcus Evans - Asset Liability Management
- Ethiopian Management Institute - Business Process Reengineering
- Ethiopian Academy of Financial Studies - Leadership Skills
- Ethiopian Academy of Financial Studies - Financial Management
- Ethiopian Academy of Financial Studies & UNDP - Project Appraisal & Financing
Personal Information
- Date of Birth: 08/28/70
- Gender: Male
- Nationality: Ethiopian
References
- Bizuneh Tariku, Chief Internal Audit Officer, United Bank S.C., 251 911 46 95 52, bizuneh-tariku@yahoo.com
- Sefialem Liben, Chief Executive Officer, Ahadu Bank, 251 911 200287, sefialem.l@ahadubank.com
Extracurricular Activities
Served as Board of Director and Audit Committee Member of Coffee Processing and Warehouse Enterprise and Ex-Comet Transport S.C Served as Chairman and member of the foreign Exchange Allocation Committee of Ex-Construction & Business Bank Served as member and secretary of Business Process Re-engineering Steering Committee of Ex-Construction & Business Bank Served as member of the Steering Committee, Financial Evaluation and Negotiation Team of the Core Banking Software Selection and Implementation project and has successfully completed the assignment.
Disclaimer
I hereby declare that the biodata listed above and on the previous pages are true to the best of my knowledge and belief.
Languages
English, Amharic
Timeline
Director, Risk Management & Compliance
Ahadu Bank
01.2024 - 06.2024
Director, Executive Assistance Office
Ahadu Bank
07.2023 - 01.2024
Director, Credit Appraisal & Portfolio Management
Ahadu Bank
11.2022 - 06.2023
Director, Retail Banking
Ahadu Bank
06.2022 - 10.2022
Director, Operation
Ahadu Bank
11.2021 - 05.2022
Project Manager- IT Projects
Commercial Bank of Ethiopia
11.2018 - 10.2021
Executive Advisor to the President
Commercial Bank of Ethiopia
04.2016 - 11.2016
Vice President, Operations
Ex-Construction and Business Bank
01.2011 - 03.2016
Credit Department Manager
Ex-Construction and Business Bank
09.2009 - 12.2010
Finance and Investment Department Manager
Ex-Construction and Business Bank
09.2003 - 08.2009
Acting Branch Manager
Ex-Construction and Business Bank – Main Branch
04.2003 - 08.2003
Head Credit Division
Ex-Construction and Business Bank – Main Branch
04.1999 - 03.2003
Branch Manager
Ex-Construction and Business Bank
11.1996 - 03.1999
Loan officer
Ex-Construction and Business Bank
03.1995 - 10.1996
Bank Clerk
EX-Construction and Business Bank
12.1992 - 02.1995
MBA – International Business -
University of Greenwich
Bachelor of Arts Degree – Accounting -
Addis Ababa University
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