Yosr El Gharbi Valle
Sachse,Texas
Summary
A motivated and career minded professional with over 10 years of experience in finance and account management. As someone who takes career seriously, interested in a challenging position. Passionate about working for serious organizations with detail oriented teams.
Overview
17
17
years of professional experience
1
1
Certificate
Work History
Commercial Banking Relationship Manager
Qatar National Bank Tunisia
12.2016 - 06.2022
- Developed and maintained relationships with customers, lenders and other third parties.
- Analyzed needs of clients and prospects to recommend appropriate products or services.
- Identified prospects, evaluated financial needs and developed new business opportunities through superior consultative and negotiation skills.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Processed loan applications and monitored progress from start to finish.
- Assessed loan portfolios for compliance with underwriting policies.
- Interfaced with various internal banking departments to coordinate delivery of other banking services to clients.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Identified prospects, evaluated financial needs and developed new business opportunities through superior consultative and negotiation skills.
- Met with applicants to obtain information for loan applications and answer questions about loan process.
- Negotiated loan terms and conditions with customers to secure best deal.
- Retained and strengthened current relationships and developed new business through various channels such as cross-sell and referrals.
- Monitored pipelines to track and log status of loans.
Customer Service Officer
Qatar National Bank Tunisia
02.2015 - 12.2016
- Act as first point of contact for customers, especially for new customers, answering questions and providing information about QNB products and services
- Proactively market QNBT products to increase sales and profitability while mindful of branch customer service KPIs
- Build and maintain strong relationships with branch customers and other related units of QNBT to achieve goals
- Carry out customer related tasks such as posting account opening, customer data maintenance, issuance of balance certificates, etc
- Ensure compliance to internal service quality standards and compliance to audit requirements
- Utilized customer service software to manage interactions and track customer satisfaction
Promotion Team Leader
CAP Entreprise Solutions ( Samsung Mobile)
01.2014 - 01.2015
- Follow and report market trends to Samsung based on observations and sales data
- Data analysis and weekly, monthly, and quarterly financial reports
- Manage a team of 40 sales promoters across the whole country of Tunisia.
- Applied knowledge of various position requirements to oversee the drafting and approval of job descriptions, recruitment, and interview of candidates
- Merchandiser role for largest points of sales
- Communicated KPIs outlined in annual plan to inform employees of expectations and deliverables.
- Developed and updated tracking spreadsheets for process monitoring and reporting.
Merchandiser Specialist
CAP Enterprise Solutions ( Samsung Mobile)
01.2011 - 01.2014
- Extensive experience in position of Team Leader for Samsung Mobile with back and front end procedures and project management
- Collaborated with store managers to determine best placement for merchandise displays.
- Inspected merchandise for quality and arranged proper display location on floor.
- Established strong vendor relationships to maintain and support business.
- Generated weekly, monthly and quarterly sales reports to highlight milestones and activities.
Market Survey Specialist
SIGMA Conseil
01.2005 - 01.2007
- Analysis of data collected in interviews, focus groups, and surveys
- Creating keywords to compile data based on qualitative data collection
- Focus group analysis
Education
Bachelor of Science - Finance
2012
Skills
- Corporate Social Responsibility
- Client Interviews
- Remote Video Conferencing
- Microsoft Office
- Manage Complaints
- Serve Customer Needs
- Training and Development
- Information Protection
- Database Maintenance
- Creative Solutions
- Cultural Awareness
Certification
- Risk Management Training - 2021
- Bank Financing - 2021
- Financial Analysis -2021
- Value Chains and Their Financing – Central Bank of Tunisia, World Bank - 2019
- Capacity Building for Finance Sector: Carbon Markets – UNDP, ANME - 2019
- Market Assessment: Trade Finance in Tunisia – EBRD - 2018
- Risk Management – Eymen Errais, Colombus Consulting - 2017
- Stocks and Commodities Trading for QNB Clients (CSO Training) – MAC SA - 2016
- Strategic Marketing – BASE Consultancy - 2013
- Internship with Department of Transfers – Banque Internationale Arabe de Tunisie - 2011
- Internship with Dep. of Bank Supervision & External Financing – La Banque Centrale de Tunisie - 2010
- Internship with Property and Casualty Claims Department – L’Assurances Magherbia -2008
Languages
Arabic
Native or Bilingual
French
Native or Bilingual
English
Full Professional
Timeline
Commercial Banking Relationship Manager - Qatar National Bank Tunisia
12.2016 - 06.2022
Customer Service Officer - Qatar National Bank Tunisia
02.2015 - 12.2016
Promotion Team Leader - CAP Entreprise Solutions ( Samsung Mobile)
01.2014 - 01.2015
Merchandiser Specialist - CAP Enterprise Solutions ( Samsung Mobile)
01.2011 - 01.2014
Market Survey Specialist - SIGMA Conseil
01.2005 - 01.2007
Institut Supérieure De Gestion - Bachelor of Science, Finance
- Risk Management Training - 2021
- Bank Financing - 2021
- Financial Analysis -2021
- Value Chains and Their Financing – Central Bank of Tunisia, World Bank - 2019
- Capacity Building for Finance Sector: Carbon Markets – UNDP, ANME - 2019
- Market Assessment: Trade Finance in Tunisia – EBRD - 2018
- Risk Management – Eymen Errais, Colombus Consulting - 2017
- Stocks and Commodities Trading for QNB Clients (CSO Training) – MAC SA - 2016
- Strategic Marketing – BASE Consultancy - 2013
- Internship with Department of Transfers – Banque Internationale Arabe de Tunisie - 2011
- Internship with Dep. of Bank Supervision & External Financing – La Banque Centrale de Tunisie - 2010
- Internship with Property and Casualty Claims Department – L’Assurances Magherbia -2008
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