Jonida Alishollari
Leon
Summary
Accomplished Business/SME Loan Officer at CREDINS Bank, adept in evaluating and recommending loan approvals with a keen eye for detail and strong problem-solving skills. Excelled in maintaining client relationships and cross-selling banking products, demonstrating exceptional interpersonal communication and financial analysis expertise. Proven track record in enhancing loan portfolio performance.
Overview
15
15
years of professional experience
Work History
Business/SME Loan Officer
CREDINS Bank
Tirana
02.2014 - Current
- Company Overview: Credins Bank, Tirana No.01 Branch (http://www.bankacredis.com/)
- Evaluating loan applications and documentation by confirming credit worthiness and recommend loan approval
- Analysing applicants’ (company) financial status, credit, and property evaluations to determine feasibility of granting loans
- Analysing and interpreting all the business’ financial reports, accounting transactions, annual closure and preparing new forms of financial statements such as balance sheets, income statements, and cash flow statements as per bank requirements
- Coordinating with other team members from related departments to terminate with loan disbursement
- Completing loan contracts by explaining provisions to the applicant, obtaining signatures and notarizations, and collecting fees
- Maintaining customer confidence by keeping loan information confidential
- Managing client portfolios and maintaining long-term relationships with clients to fully understand their financial needs and adapt recommendations as needed
- Monitoring loan performance to offer loan modifications or refinancing options to struggling clients
- Identifying opportunities for cross-selling other bank products and services like; credit/debit cards, e-banking, bank accounts, overdrafts, deposits etc
- Ensuring compliance with banking laws, regulations, and the bank’s own policies and procedures
- Credins Bank, Tirana No.01 Branch (http://www.bankacredis.com/)
Financial Advisor (Loan Officer)
NOA / Micro-Financial Institution
Kombinat
06.2012 - 10.2013
- Company Overview: NOA / Micro-Financial Institution, Kombinat Branch (http://www.noa.com.al/)
- Prospecting new clients and evaluating loan application and all documents needed
- Analysing and interpreting business financial statements in order to understand the repayment capacity and financial soundness of the client
- Conducting loan appraisal and collecting detailed information (personal, business, and guaranties)
- Preparing loan reports for internal and external use
- Evaluate and recommend approval of credit loans
- Managing client portfolios
- NOA / Micro-Financial Institution, Kombinat Branch (http://www.noa.com.al/)
Ticketing Agent
Albanian Airlines
Tirana
09.2009 - 03.2012
- Establishing passengers' reservations history, collect fees, explain aviation and airline rules and regulations
- Attending agency clients personally and by telephone or e-mail, to sell tickets for the Amadeus/Gabriel and Crane system of the airline and any other issues regarding
- Providing all the needed information to passengers or agencies, regarding flight schedules, status, delay or cancellations
- Providing assistance with passengers check-in and cargo acceptance
- Checking how many pieces of luggage passengers are carrying and directing them to check-in desk
- Working in conjunction with check-in procedures in helping control passenger flow into the secured area
- Processing reservations via computer and web-base of the airline databases
Education
Professional Master Degree - Account and Financial Reports
European University of Tirana
10.2017
Integrated Diploma of Second Level - Finance - Accounting
University of Tirana
10.2009
High School Diploma -
Public High School ‘Qemal Stafa’
Tirane06.2005
Skills
- Interpersonal Communication Skills
- Proficient Active Listening
- Problem Solving skills
- Flexibility
- Teamwork
- Emotional Intelligence
- Detail-Oriented
- Accountability
- Social media
- Online Communication Skills
Personal Information
- Date of Birth: 11/20/86
- Nationality: Albanian
- Driving License: B
Training Certifications
- Financa 5, Financial program, ISSET Certificate, 2009
- Time Management, Lincoln Certificate, 11/09/17
Languages
Albanian
First Language
English
Advanced (C1)
C1
Italian
Intermediate (B1)
B1
Spanish
Intermediate (B1)
B1
References
References available upon request.
Timeline
Business/SME Loan Officer
CREDINS Bank
02.2014 - Current
Financial Advisor (Loan Officer)
NOA / Micro-Financial Institution
06.2012 - 10.2013
Ticketing Agent
Albanian Airlines
09.2009 - 03.2012
Professional Master Degree - Account and Financial Reports
European University of Tirana
Integrated Diploma of Second Level - Finance - Accounting
University of Tirana
High School Diploma -
Public High School ‘Qemal Stafa’
Similar Profiles
Soela MyrtollariSoela Myrtollari
Bank employee at Credins BankBank employee at Credins Bank
ALBANA ALLIAJALBANA ALLIAJ
Relationship Banker at BANK OF AMERICARelationship Banker at BANK OF AMERICA
Clay BittnerClay Bittner
President at Hill Bank & Trust Co./Columbus State BankPresident at Hill Bank & Trust Co./Columbus State Bank