Ziad El-Hajj

E-mail: ******************

Mobile Ukraine: Show contacts

Mobile Lebanon: +9613262329

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OBJECTIVE

A management professional with 20+ years of experience in credit management and credit policies in the banking sector with

general exposure to Branch Network and Retail Products and Treasury Management, pursuing a new challenge with a stable and
reputable organization to fully deploy my academic and professional profile.

KEY SKILLS

▪ Feasibility Studies, Risk Assessment, Branch Management, Credit Analysis and Management
▪ Client Relationship Management, Planning, Coordination and Development
▪ Client Development, Resolving Customer Complaints
▪ Customer Service, Performance Management
▪ Relationship Management, Customer Sourcing, SWOT Analysis, Portfolio Management
▪ Banking Policies and Procedures, Business Process and Strategy Development
▪ Driving Growth, Revenue Generation, Team Management
▪ Leadership, Team Building, Motivation, Communication, Ability to Work under Pressure
▪ Analytical Ability, Critical Thinking, Decision Making and Problem Solving, Time Management
▪ Software: Moody's Risk Analyst Software (banking)

PROFESSIONAL EXPERIENCE

AGM –Corporate Department Manager and Treasury Manager

Nov 2017– Dec 2020 Bank Al Sharq (BLF

Group), Damascus, Syria

Key Responsibilities:

▪ Develop, manage and supervise the Commercial Banking Business of the bank.
▪ Manage the existing commercial portfolio and ensure quality credit packages, timely renewal, and early problem recognition

and effective remedial action.

▪ Prepare the annual objectives, business plan and related budget of the department.
▪ Cascade the department set objectives down to the Unit level, monitor quarterly plans realization and analyze differences 

between budget and actual figures.

▪ Develop/Generate business by identifying list of prospects, target markets and products, ensuring proper initiation of 

relationship with new clients, promoting and cross-selling the bank’s products to commercial customers.

▪ Ensure proper and timely implementation of all the internal bank procedures including the credit procedures and the related 

circulars, the Central Bank circulars and the Banking Control mission memos.

▪ Manage the bank’s assets and liabilities to ensure adequate liquidity in compliance with the bank’s board approved policies 

and procedures, and local and international authorities’ regulations.

▪ Manage the cash flows and overall funding profile of the bank to ensure all financial obligations can be met on time.
▪ Manage FX positions, cash and interest rates to maximize profits and use hedging instruments when needed
▪ Lead and manage the Treasury team to achieve the strategic business objectives of the bank and optimize the deployment 

of available funds. Ensure customers’ treasury requirements are met and expand the bank’s customer and product base.

▪ Ensure proper horizontal and vertical communication and coordination with other departments, adherence to the span of 

authority and respect of the chain of command.

▪ Member in multiple committees across the bank’s various functions: Executive Committee, Management Committee,

ALCO committee, Credit Committee and HR Committee among others.

Ziad El-Hajj 

E-mail: ****************** 

Mobile Ukraine:  Show contacts  

Mobile Lebanon: +9613262329

2

AGM –Corporate Department and Branch Network and Retail Products

Jan 2016–October 2017

Bank Al Sharq (BLF group), Damascus, Syria

Key Responsibilities: 

▪ Played a pivotal role in handling commercial operations and managing Business Lending Units in Syria.
▪ Headed a team of Senior Relationship Managers to manage and develop credit portfolios and provide outstanding service to 

further business engagements with clients.

▪ Communicated with the branches and other managers and submitted periodic reports related to the operations and policies 

of the bank.

▪ Led branches towards the achievement of the bank’s goals in terms of market position and competitive standing. Take actions 

and develop sales and promotion activities to boost performance and enhance the bank’s image and broader strategy.

▪ Monitored branches performance, detected error areas and recommended corrective actions to the concerned committee.
▪ Attended senior-management meetings and partook part in discussions and decisions on lending transactions and major 

operational subjects.

▪ Advised the General Manager on matters connected to Corporate Credit and Branch Network units.
▪ Determined sales and profits targets for Branch Network unit and Corporate Credit unit and supervise units and employees 

performance to ensure targets are met.

▪ Conduct interim performance review and analyzed divergence from set targets - if any- and put remedial action plans to 

guarantee performance lift up to the required standard.

▪ Held regular meetings with managers within the Branch Network and Corporate Credit units to discuss work flow and address 

issues. Ensured synergy and cooperation at all levels.

▪ Ensured utter compliance with regulations, authorizations, internal and external policies and audit requirements.
▪ Reviewed internal procedures manuals and proposed improvements in line with work requirements to ensure utmost 

efficiency and optimal use of resources. Reviewed and approved job descriptions and employees annual performance 
evaluations.

Branch Network and Retail Products Manager, Al-Sharq Bank, Syria

Nov 2012–Dec 2015

Key Responsibilities: 

▪ Designed, implemented and supervised retail credit related operations (loans, credit cards, overdrafts) and customer support 

systems.

▪ Communicated with the branch and other managers and submitted periodic reports related to the operations and policies 

of the bank and substituted the branch managers wherever necessary.

▪ Optimized branch operations with the view of maximizing profitability and reducing operational costs along with providing 

feedback to the upper management regarding the same.

▪ Monitored adherence to procedures and protocols to ensure compliance with the bank’s policies and audit requirements 

and ensure client satisfaction with the services delivered.

▪ Evaluated and supervised staff performance to ensure marketing and cross selling targets are met.
▪ Supervised the launch of new products and services, supported marketing activities, endorsed large-scale transactions and 

managed the branch treasury and cash transactions.

▪ Monitored the implementation of and the compliance with operational policies and procedures in approving lending and 

deposits rates.

▪ Promoted a positive work environment that emphasized the service culture and enhanced individuals’ knowledge and 

experience.

Ziad El-Hajj 

E-mail: ****************** 

Mobile Ukraine:  Show contacts  

Mobile Lebanon: +9613262329

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Regional Credit Manager, Al-Sharq Bank, Aleppo, Syria May 2009 – Nov 2012

Highlights: 

▪ Actively participated as a Credit Committee Member in decision making and approval of credit proposals.
▪ Served as a member of the Senior Management Committee facilitating decision making on matters related to risk

management, interest rates and exceptional credit packages to VVIP and HNWI clients.

Key Responsibilities: 

▪ Analyzed credit policy feasibility in view of revenue generated/profits. Provided recommendations for incrementing, 

decrementing or terminating credit limits in view of credit history.

▪ Responsible for developing and generating leads for the business units and identifying new clients.
▪ Maintained solid relationships with clients.
▪ Managed the promotion and cross-selling of products to corporate/SME customers.
▪ Managed a portfolio of Business Lending clients offering quality credit packages and renewed the same periodically, 

responding to customer queries and taking remedial measures.

▪ Devised business plans and budgets for the unit and submitted the same to the General Manager/BOD for approval. 

Mentored and supervised the team members and subordinates enhancing individual capabilities to deliver significant 
performance.

▪ Reviewed credit presentations put forward by the team members, rectified errors, evaluated presentations and cascaded

the Credit Committee’s decision.

Head of Corporate Unit, Byblos Bank Syria Homs, Syria Jan ***************

Key Responsibilities: 

▪ Overachieved the established business targets by attracting new clients, maximizing client accounts turnover and profitability 

and increasing wallet share from the existing clients.

▪ Conducted trainings and mentoring of subordinates and new staff.
▪ Responsible for managing the portfolio of corporate clients in a lucrative and competent manner, conducted site visits and 

established new leads for the bank. Arranged syndicated loans.

▪ Ensured suitability of the credit facilities, satisfactory turnover of accounts and cross selling of products.
▪ Prepared annual business plans and budgets pertaining to the unit and took part in the development and understanding of 

the business’s vision and mission along with promoting effective communication channels between departments.

▪ Kept the upper management updated with market dynamics and competitor activities and their impact on the organization 

and ensured implementation and adherence to new legislations/authorities directives in an appropriate and immediate 
manner.

Previous Professional Experience:

▪ January ********************: Relationship Manager, Byblos Bank, Lebanon
▪ December ********************: Credit Officer, Byblos Bank, Lebanon
▪ September********************: Small Lending Officer, at Byblos Bank, Lebanon ▪ March ******************: Retail 

Banking, at Byblos Bank, Lebanon.

Ziad El-Hajj 

E-mail: ****************** 

Mobile Ukraine:  Show contacts  

Mobile Lebanon: +9613262329

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EDUCATION

▪ University of Saint Joseph, Beirut, Lebanon  

Bachelor’s degree in Economics (May 1998)

 
 PERSONAL DETAILS

Birth Date: ************ 

Gender: Male

Nationality: Lebanon 

Residence permit: Ukrainian / permanent  
Languages: English, Arabic, and French.