Sample Bank Management Resume
Contact information
Gery S.Tillo
17 Street
Denver
CO
Career objective
Looking for a challenging position of the Bank Management Resume the reputed University with a view to use my wide experience for the benefit of the organization.
Chartered Institute of Bankers in Scotland – from August 1959 to June 1970
Part 1 exams passed, Part 2 incomplete.
Ayr Academy (Senior Secondary School) – from August 1955 to April 1959
None
Language skills: Indicate competence on a scale of 1 to 5 (1 - basic; 5 - native)
Language
Reading
Speaking
Writing
English
5
5
5
Membership of professional bodies:
Royal Highland and Agricultural Society of Scotland
Other skills:
Computer skills: e.g. Word, WordPerfect, Excel, etc.
Present position: Self-employed consultant
Years within the firm: 15
Key qualifications:
Senior commercial and retail banker with commercial and MSME credit development, operations, and changemanagement experience in Eastern Europe, Asia, and the Middle East, working on donor projects funded by USAID, DFID, World Bank, ADB, EBRD, and the EU.
Specific banking experience includes:
MSME lending & training
Proven experience in rural and agricultural finance, including supplier credit, asset finance and loan guarantees
In depth knowledge of commercial banking operations and management, and,
Retail branch operations and management
International trade
6 Customer relations
7 Marketing & Product Development
8 Financial administration
9 Risk management including loan workout & recovery
10 General management
Specific developing economy experience:
Country
Date from - Date to
Moldova
1995-2000
Armenia
2000-2001
Kosovo
2001, 2004, 2005 & 2007/8
Azerbaijan
6/2002-5/2004
Vietnam
2004
Afghanistan
3/2005 – 1/2006
Pakistan
2/2006 – 6/2006
Serbia
9/2006 – 7/2007
Iraq
July 2008 to June 2009
14. Professional experience
Date from – Date to
Location
Company
Position
Description
2 July 2008 to 26 June 2009
Baghdad, Iraq
Louis Berger Group
Microfinance/Ag Credit Specialist
USAID contract. Agribusiness loan program through grants to selected Iraqi banks. Evaluating all Iraqi banks as to capacity and suitability, and evaluation of all subsequent loan applications from the 4 selected banks. Provided training in agricultural lending. Developing microfinance grant packages for agri-credit to farms, by 3 indigenous Iraqi NGOs. Business development of agri-businesses and organisation of National Agri Finance Conference..
August 2007 to February 2008
Prishtine, Kosovo
CRC Sogema / Tecsult, Canada
SME Credit Adviser
Credit adviser for EBRD SME credit facility. Training and mentoring of 40 loan officers at Raiffeisen Bank. Oversight and monitoring of EBRD credit facility. Independent appraisal of new credit applications. Specific training provided: agricultural and cash flow lending. Provided advice and assistance on new agricultural loan products.
30 September 2006 to July 2007
Serbia
Tecsult/ National Bank of Canada
Senior Banking Specialist
EBRD technical assistance project to Komercijalna Banka Ad Beograd. Specific areas of assistance included: Advised and assisted change programme management team on Corporate and Retail Banking, Risk Management, BranchBanking, Marketing & Product Development, and provided training on MSME, and farm credits. New product advice included deposits, asset financing, and agricultural lending products.
February 2006 to June 2006
Pakistan
Bankakademie, Frankfurt
Senior Bank Advisor
ADB credit programme at Bank Alfalah, as advisor. Assisted with SME credit training, new product development and bad loan management
March 2005 to January 2006
Afghanistan
DAI
Financial Services Manager
USAID Alternative Livelihoods project. Expansion of Micro Finance loans to provinces in Eastern Afghanistan, in liaison with MISFA, through new MFI offices. Provision of access to credit for MSMEs, both agricultural and non-agricultural. Developed proposal for non-bank financial institution. Developed new credit products, including loan guarantees, supplier credits, and asset financing, to assist rural MSMEs.
Jan/Feb 2005
Prishtine, Kosovo
Bankakademie, Frankfurt
Short-term consultant
Review loan portfolio of EAR funded Agricultural Business Unit (ABU), including loans from two previous projects (IDP & ICU), to determine which of 252 loans might be sold on, administered, or written off. Visited 25 of the poorest performing loan businesses. Assessed possible sale price, based on discounted value.
Feb/Mar 2004 & Nov/Dec 2004
Hanoi, Vietnam
DFC S.A., Barcelona, Spain
Senior Consultant (short term)
Preparation of draft appraisal manual for World Bank MSME rural lending project at the Bank for Investment and Development of Vietnam. Assisting BIDV to appraise large projects loan applications
September to October 2004
Prishtine, Kosovo
Bankakademie Frankfurt
Short-term consultant
EU project to assist Kasabank in reviewing commercial & SME loan portfolio and training H.O. loan officers in review techniques. Prepared, and submitted, report, with recommendations, on state of Bank’s loan portfolio, to Central Bankof Kosovo.
June 2002 to May 2004
Baku, Azerbaijan
ABG, Gottingen, Germany
Deputy Team Leader, Rural Investment Foundation (Tacis project)
European Union (TACIS) project. Hands-on responsibility for MSME rural credit development and training, introduction of formal credit policies and procedures, development of a branch network, introduction of modern human resourcesmanagement procedures, and development of appropriate banking practice, with the objective of converting RIF to a fully fledged bank. Assistance continued after merger with Agrakredit, a state-owned agricultural bank. Member ofManagement Board and Credit Committee of Foundation. Trained H.O loan officers of Agrakredit in MSME lending.
April/May 2002
Prishtine, Kosovo
Siguria Insurance Company
Temporary CEO & MD
Responsible to Board of Directors for all day-to-day operations.
July 2001 to October 2001
Prishtine, Kosovo
Deloitte Emerging Markets Group, Washington, DC, USA
Loan Origination Unit Head, Kosovo Business Finance Fund (KBFF) (USAID project)
Hands-on responsibility for originating credits to MSME enterprises in Kosovo, hiring and training 12 local loan officers, providing field supervision and mentoring. Established policies and procedures for MSME lending, monitoring and recovery. Liaised with other lenders, credit providers and business advisers in the proposed establishment of a Credit Bureau.
(KBFF became Kosovo American Bank and is now Raiffeisen Bank Kosovo.)
2000 to 2001
Yerevan, Armenia
Bannock Consulting, London, UK
Senior Credit adviser, EBRD Institutional Building and SME Credit Line in Armenia.
Responsible for assisting designated commercial banks to make loans to their SME clients using EBRD funds. Also providing technical assistance in lending and institutional building in a developing economy. In addition, due diligence on any additional commercial banks deemed suitable for inclusion in the programme. Specific responsibilities included assisting the commercial banks’ credit staff in: the analysis of credit applications; the preparation and submission of credit applications to EBRD for approval, including ensuring compliance with EBRD environmental regulations; the provision of lending training; and, assessing the risk ratings of all loans in the designated banks loan portfolios.
1995 to 2000
Chisinau, Moldova
Department for International Development (DFID), UK Know How Fund
Senior Banking Adviser
As part of a change programme initiated by EBRD, responsible for providing technical assistance to Moldova Agroindbank, and later to other banks, to enable the bank to introduce western banking practices, in a developing economy. Specific responsibilities included assisting in restructuring the bank’s functions, establishing an internal audit function, establishing a loan work-out and recovery unit, provision of credit training, introduction of new and amended deposit products, and advice on day-to-day problems. Provided specific credit training, to all 76 loan officers and branch managers, aimed at enabling the bank to lend to MSMEs, in particular to agriculture and other rural businesses. Assisted the bank in the implementation of micro and other credit lines from a variety of donors. Additional assistance included the production of policy and procedures manuals for various departments of the bank, including a comprehensive fully-integrated personnel policy for all employees, together with a personnel performance managementsystem, plus assistance in the establishment of risk management and internal control systems in the bank. AssistedBank in establishment of new Retail Banking units, with advice on functions, staffing and management. Other banks assisted included Moldincombank (internal audit function), and Oguzbank (credit function).
1992 to 1995
Aberdeen, Scotland
Grampian Regional Council (jointly funded by Grampian Enterprise)
Senior Development Officer
Provision of economic development assistance to rural communities within the local authority region. Programme as designated “Villages in Control” and was designed to assist communities develop their own economic development strategy through an action group. In addition, provided assistance to small and medium sized rural enterprises in their development. Successfully completed the programme in three Grampian Region (Aberdeenshire) towns.
1985 to 1992
Edinburgh, Scotland
Girobank PLC
Senior Commercial Lending Manager (Scotland & Northern Ireland)
Establishment of the lending function for the bank in Edinburgh, with additional responsibility for Northern Ireland. Developed the commercial lending “book” in these two areas to a high of 70 million lent within four years, including the first syndicated loans by any Girobank office, and including a large number of loans to small rural enterprises. Responsible for all aspects of lending to borrowers in Scotland and Northern Ireland, including legal matters, financial analysis, preparation of applications and administration. BS5750/ISO9000 supervisor.
1984 to 1985
London
Various commercial banks
Commercial loan analyst
Temporary positions with a number of banks in London. Analysing commercial loans.
1979 to 1984
Vancouver & Halifax, Canada
Banque Nationale de Paris (Canada)
Assistant Vice-President, British Columbia and Vice-President, Atlantic Canada
Selling of bank’s services to Canadian companies, including corporate deposits, and lending to medium and large enterprises engaged in manufacturing and export, particularly through discounting and factoring. Established the bank’s first office in Halifax, Nova Scotia, to service the four Atlantic Provinces of Canada. Maintained close relationships with provincial governments’ ministries of finance.
1975 to 1979
British Columbia, Canada
Bank of Montreal
Branch Manager and Commercial Account Manager
Directly involved in making personal, SME and commercial loans in a number of branches throughout British Columbia. Commercial lending undertaken included rural and agricultural enterprises, as well as oil and gas development and a variety of other businesses, including both retail and commercial deposits. Branch management of retail branches in and Vancouver, BC, Canada
1967 to 1975
Hong Kong, East Pakistan (Bangladesh), Dubai, Abu Dhabi, Singapore, & India.
Chartered Bank (now Standard Chartered Bank)
Sub-Accountant
Manager in overseas locations of the bank. Specific positions held included Branch Manager, Chief Cashier, Branch Accountant, Lending Manager, and as head of various departments, particularly import and export finance.
1959 to 1967
Scotland
National Commercial Bank of Scotland (now Royal Bank of Scotland)
Clerk
Clerical/cashier jobs in a number of retail branches throughout South-West Scotland.
Others
Completed Farm Credit Course, run jointly by the Institute of Bankers in Scotland and the Scottish Agricultural College.
Publications
Articles on banking in Moldova, Armenia and Afghanistan, for “The Banker”, the journal of the Chartered Institute ofBankers in Scotland.
Certification:
I, the undersigned, certify that to the best of my knowledge and belief, these data correctly describe me, my qualifications, and my experience.
References
Gery S.Tillo
Manager
Wap Company.
Gery_Tillo@gmail.com
