Anna Maria Kostaki Email and Phone Number

► Manage a portfolio of real estate assets (commercial, industrial, retail and residential properties) located in the Athens area, oversee general operations including all aspects of property management commercialization and financial affairs to ensure the smooth running of business activities.► Conduct strategic asset management plans and identify sales and investment opportunities for the proper management of the assets, based on markets needs, aiming to maximize properties’ potential value.► Identify and interact with potential clients (investors and tenants) to interpret their requirements, cultivate trustful relations with them, negotiate real estate prices and lease terms and close lucrative deals.► Prepare the annual budget plan analyzing financial data and collaborate closely with the tax advisor to perform diligent financial and tax planning on real estate and property that lead to significant amounts in returns from taxes.► Record and summarize accounts payables-receivables: manage payments to contractors and vendors, verify transactions, monitor debits, and credits; oversee facility and property management operations (maintenance, repairs, common expenses occupancy and space management, emergency management).► Conceptualize design ideas, collaborate with architects , engineers and interior designers during renovation projects, and inspect project completion to ensure initial objectives are met.► Closely collaborate with external associates and stakeholders (legal advisors, notaries, auditors, accountants) for the preparation of purchase and rental contracts and contract amendments for renewals as well as monitor breach of leases and proceed to contract terminations to prevent potential losses and risks.► Achievement: Increased turnover by 20% during financial crisis period by renegotiating leases contracts and mitigating liabilities and risks.

Report to the NPL’s Division Director / Retail Banking / Headquarters► Managed a significant number of defaulted mortgage loans across Greece; prepared files and provided instructions to the Bank’s legal department. ► Communicated with clients and responded to customer complaints; analyzed data and financial statements to provide insight in resolving issues.► Partnered with lawyers to discuss financial data and the purchase of the real estate by the bank, negotiated out-of-court settlements for defaulted loans, collaborated with all departments involved, and liaised with the judicial authorities when needed to prevent bank expose.► Performed loan/debt restructure plans for defaulted consumer loans and mortgages, monitored auction schedules, and proceeded in accordance with the 3869/2010 Directive.

Report to the Business Loans Manager / Business Center / Koropi Branch► Recommended business loan options for SMEs and large corporations and prepared applications for approval.► Generated leads, interviewed members to collect loan information concerning their needs, earnings, and financial condition, and identified clients’ creditworthiness.► Collected relative information regarding debtors and their loan guarantors, conducted regular reviews of debtors’ financial statements.► Prepared loan contracts and conducted modifications and amendments to the terms and conditions of any type of credit loans, communicated with business clients to resolve issues and unblock processes in terms of loan coverage and collateral.► Maintained positive working relationships with branch staff and discussed client information with Credit Officers during the loan approval / denial process.

Deposits Department / Retail Banking / Koropi Branch► Advised clients on investment products, exchange, capital controls, treasury boxes, mutual funds, and bonds.► Provided monitoring of daily processing reports for deposit operations.► Adhere to all deposit-related policies and procedures, including periodic updates and maintenance of individual procedures.

Disputes Department) / Headquarters► Reviewed all documentation and loan conditions thoroughly before submission for underwriting to assure accuracy, completeness, and compliance with the bank’s lending policies.► Read and interpreted loan documents, real estate sales contracts, valuation forms, attorney correspondence; handled priority notice registrations for auctions in case of loan defaults.► Controlled accounts and the collection process of NPLs under special liquidation in close collaboration with contracted legal agencies and the legal department; ► Processed legal documents in close collaboration with the Legal Department to resolve issues and to reach out-of-court settlements in compliance with the bank’s code of ethics and policies.

Collection Department / Headquarters

Private Banking Sector / Headquarters ► Served very important customers, promptly responding to their inquiries and helping them with Discretionary portfolio management services.► Executed customer transactions, communicated with customers, effectively handled complaints, and escalated issues as appropriate.► Prepared files and updated financial records, filled in various forms.► Gained an understanding of main operations and functions in the banking industry.

Business Loans Department / Business Center / Headquarters