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Cv

Sotiria Efthymiou
Real Estate Advisor RE / MAX Plus

07/16 – Current REMAX Plus

Real Estate Agent

  • Real estate advisor

11/14 – 06/16     PIRAEUS Bank,

Head of Personnel House Loans

  • Housing loan portfolio management, new loans, changes in typical loans, removal of mortgage foreclosures
  • Update of procedures and forms of mortgage loans, regulations for granting loans to staff of SSE / OTOE
  • Evaluation and management of mortgage restructuring claims

09/13 – 11/14      GENIKI Member of Piraeus Bank Group,

Head of Personnel Loans

  • Personnel loan portfolio management, new loans, advance payments, changes in typical loans, removal of mortgage foreclosures
  • Update of loan procedures, regulations for granting loans to SSE / OTOE staff
  • Control of SSE / OTOE Personnel Loans, recording of pending issues and their resolution in order to safeguard the interests of the Bank
  • Transfer of staff loans to the central system of the Bank

04/13 – 08/13   CPB Bank , Member of Piraeus Bank Group,

Head of Approval / Restructuring & Credit Support Departments Evaluation Departments referring to the Deputy Director of Credit Evaluation Directorate, supervised by 11 employees, approval level (C ‘) with a limit of € 250K

  • Continuing education, support and guidance of existing ones to achieve the goals of the Directorate
  • New grants (pre-approvals-final approvals), changes in typical loans, changes in collateral for existing grants
  • Development and improvement of procedures, loan application statistics, automation improvement

12/12 – 03/13        CPB Bank,

Head of Approval / Restructuring & Support of Credit Lending Credit Departments, referring to the Deputy Director of Credit Evaluation, supervision of 18 employees, approval level (C ‘) with a limit of € 400K

  • Continuing education, support and guidance of existing ones to achieve the goals of the Directorate
  • New grants (pre-approvals-final approvals), changes in typical loans, changes in collateral for existing grants
  • Development and improvement of procedures, loan application statistics, automation improvement

03/07 – 11/12       Marfin Egnatia Bank S.A.,

Head of Definitive Appraisal & Credit Support Assessment Departments, referring to the Deputy Director of Retail Banking, supervised by 13 employees, approval level (B ‘) with a limit of € 300K

  • Evaluation of Final Approvals. Flexible alternatives and clear counter-proposals on issues of approvals, pre-approvals in order to serve the customer and at the same time ensure the interests of the Bank.
  • Improving credibility based on credit policy.
  • Management and evaluation of Legal / Technical audits with parallel evaluation of external partners.
  • Continuing education, support and guidance of existing ones to achieve the goals of the Directorate
  • Communication with the entire Branch Network of the Bank in order to serve more directly and the ideal service for the customer.
  • Development and improvement of procedures, statistical data on loan requests, improvement of automation, study and inclusion in the production of new loan systems

10/06 – 02/07 Egnatia Bank SA

Head of Credit Loan Support Credit Departments referring to the Head of Housing Loans Sector, supervised by 3 employees

  • Continuing education, support and guidance of existing ones to achieve the goals of the Directorate
  • Approvals and Approvals for Housing Loans
  • Control and monitoring of Legal / Technical controls to the cooperating Lawyers / Engineers and direct communication for dealing with and resolving any problems
  • Resolving questions about the terms of pre-approval, approval, processing and disbursement of a mortgage loan
  • Formation and improvement of procedures, statistics

01/04 – 09/06        Efg Eurobank Ergasias ,

Team Leader of the Housing Loan Support Department for the entire Network of stores mentioned in the Head of the Housing Loans Sector, supervised by 9 employees,

  • Resolving questions concerning the terms of pre-approval, approval, procedure and disbursement of a mortgage loan with the aim of providing immediate and clear information to customers.
  • Communication with the entire Network of stores in order to provide more immediate service and the best financing for the customer.
  • Update on the progress of loan applications
  • Providing clarifications for housing programs and procedures, solving individual problems
  • After sales questions
  • Development and improvement of procedures.

 

06/01 – 12/03        Efg Eurobank ErgasiasOpen 24

Team Leader Europhone Banking referring to the Deputy Director of Europhone Banking, supervised by 6 employees

  • Continuous training, support and guidance of existing and new employees in the Bank’s systems and products.
  • Customer service in specialized sections of the department regarding
    loans, credit cards, investment products, domestic and
    foreign remittances .
  • Control of receipt and transfer of Stock Exchange orders
  • Development and improvement of procedures

04/00 – 03/01        Citibank N.A.,

Senior Officer of the Securities Department referring to the Head of the Securities Department

  • Responsible for opening accounts, processing and checking all stock market orders of the department
  • Portfolio control of portable ports, corporate transactions.
  • SAT Management and Systems Reconciliation.

05/99 – 03/00        National Bank of Greece ,

Officer Division Securities Cash and reported to the Head of the Division of Securities and Cash

  • Account opening processing
  • Simplification of Titles
  • Financial commitments
  • Shareholder service and custody

03/99 – 04/99        Unifon A . E .

   Officer referring to the head of the Directorate

  • Keeping a company file

08/95 – 02/99 Hunting Association of Kiato

Employee / Treasurer

  • Cash transactions
  • Keeping income / expense books
  • External transactions

Education

1996 – 1999 Institute of Banking Executives, Certificate of Basic Banking Knowledge Studies

1989 – 1995 Kiatou High School,

Special Knowledge

Foreign Languages :                  English (First Certificate in English), French (Certificate de langue Française)

Computer skills:                       MS Office

Professional training

  • Seminars H / Y , NELE , Kiato , 2 months training course
  • Computer Seminars, Ionian Education, Athens, 1 month training course

2000 Core compliance Training (on US Laws, Key Local Laws and Corporate , Ethical Standards, CitibankN.A. , 1 month training course

2000 Anti Money Lundering Program, Citibank NA, 1 month training course

2001                 Trapezikaproionta , Accounts , Valeur, WesternUnion, em banking, loans , stock , Analysis Operations MTX , Credit Cards , Mutual Funds , Investment , EFG EUROBANK ERGASIAS, 1 month training course

2006 Statistical Decisions Credit and Risk, Egnatia Bank , 1 week training course

2013 The Greek Real Estate Market: recent developments and prospects, Bank of Greece, 2 days training course

2016 Your Remax career, RE / MAX GREECE, 1 week training course

2018 Negotiation Skills, Nikos Polidis, 1 week training course

2018 Active Listening Skills, Nikos Polidis, 1 week training course

Personal information

Marital Status: Married, one child

Date and Place of Birth: May 15, 1977, Athens

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