Dana Charafeddine

• Successfully spearheaded a cost- saving initiative by centralizing of credit card aftersales operations using Oracle Flex Cube resulting in remarkable annual operational costs reduction of $100,000.
• Implemented a bank-wide clearance request system, significantly reducing rejection rate by 70%, and supporting the management approval processes through assessing creditworthiness of the cardholder in a timely and well-organized manner.
• Served as a key liaison across six departments, facilitating clear and concise communication to foster collaboration. Promoting efficiency by guiding the structured implementation to ensure the optimization of the credit operational system, while earning respect and trust among team members.
• Successfully defined and implemented a key matrix for the launch of a new system, promoting the safety and soundness in existing system resulting in efficient integration with both Prime and Oracle Flex Cube.
• Assisted in business development while maintaining a low-risk portfolio complying by Basel Accords through strong management, prevention, detection and mitigation of system failures and human errors (Operational Risk) ensuring the bank’s financial and reputation.

• Supported Business Management using lean Six Sigma to streamline reporting processes, achieving a 25% reduction in operating costs and 20 % improvement in cycle times.
• Played a pivotal role in monitoring customer behavior and assessing risk profiles using DNFS, analyzing large datasets by collecting, interpreting, identifying patterns (Credit classification, BDL status, DPD, Credit history) to improve decision-making that leads to a 20% improvement in overall customer quality. By leveraging data-driven communication and abiding by IFRS9 decisions making are easily synthesized and more aligned with market needs.
• Effectively positioned risk & finance solutions to business lines and C-level decision-makers through overseeing and organizing client portfolios in alignment with market dynamics, presenting strategic reports after conducting research on industry developments, as well as navigating BDL black listed reports, information agencies, daily newspapers and surfing websites to identify opportunities and challenges.
• Delegated and guided analytic reports schedules also provided supervision for documentation (CDR-Credit Information Request) to branches with the aim to meet defined requirements.
• Coordinated with the compliance department to ensure adherence to operational and internal policies and policies, maintaining high standards of ethics and integrity.
• Received formal recognition from management for outstanding achievements in fostering inter-bank partnerships and demonstrating exceptional resourcefulness.

• Utilized Bankmaster for proficient management of account limit release process, streamlined workflows and improved efficiency. Achieved a 70% reduction in manual processing time, resulting in a more agile and responsive account limit release process.
• Led the financial engineering of credit risk operations while effectively allocating resources and monitoring workstreams to approve on transactions’ execution related to collateral accounts, by firmly directed a $2 million fund release for customers and benchmarking collaterals against with constant monitoring of progress and conducting due diligence leveraging both BankMaster and Branch Power for risk mitigation.
• Engaged with executive leadership to respond to branches request in a systematic way that satisfies the client expectations while ensuring risk disclosure and maintaining portfolio profitability (credit rate, cash collateral percentage, account limits)
• Skillfully compiled weekly Aros Reports for Banque du Liban, ensuring meticulous oversight of Central Bank subsidized loans in line with sustainable regulatory standards.
• Constantly interaction with the respective analysts and team leaders, to ensure that quality assurance protocols are handled for all portfolios, to strategically meet the goal of service quality and to accomplish successful product offering.

• Secured a successful banking partnership with a public entity, contributing to the growth of salaries accounts and retail facilities.
• Negotiated and closed several deals with companies’ owners, showcasing impactful communication, and negotiation to productively supply them with financial solutions that is geared to Bank ‘s product strategy.
• Designed solutions to incorporate values by meeting client’s needs, identifying current pain points, driving and delegating efforts to prevents objections and building consensus towards a mutual solution based on customer requirements and Banks terms.
• Proactive account management including regular client meetings, promoting banking products and improving portfolio performance to support retail business plan.
• Received recognition from senior management for outstanding performance in deposit acquisition, exceeding the branch deposit goal by 20% and contributing to the overall growth of the branch.
• Established a robust referral network, generating new sales opportunities, harnessing strong customer interaction skills driving improvement, rising productivity and achieving business profit growth.