Zaher Mahmassani Email & Phone Number

Ras Beyrouth, Beirut Governorate, Lebanon

• Coordinating with Department Head and GM for the negotiating and placing of strategic Purchase Orders with main suppliers.
• Overseeing Purchase Orders placed by Procurement Department with secondary suppliers.
• Following up with suppliers for order readiness and shipment.
• Assigning & Coordinating with Freight Forwarders for arranging cargo collection from suppliers’ premises by adequate shipment method (land - air - sea).
• Coordinating with Shipping Lines / Agents when needed for arranging bookings.
• Coordinating with Clearing Agents for goods clearance procedures.

• Play a significant role in long-term planning of company activities and operations.
• Oversee overall financial management and planning in coordination with the Executive Director.
• Development of individual budgets for each operation and allocating the needed financing for its timely execution
• Implementing an advanced procedure for the preliminary financial study of proposed operations by setting a general guideline of parameters to follow.
• Setting up a periodic reporting system for the review of the company's concluded, ongoing, and proposed operations to allow adequate financial planning of the company's income versus expenses.
• Organization of yearly fiscal documents and hold regular meetings with Executive Director around fiscal planning.

Lebanon

• Reviewing of problematic Credit Files to discover the main reasons of default.
• Recommending action plan to recover / reschedule defaulted loans.
• Negotiating with Debtors on a solution to repayment of their debts according to current and projected cash flows (such negotiations include setting of interest rates, additional collateral, and debt reschedule).
• Identifying early indications of default whether through the Client’s deteriorating financial capabilities or due to their respectable market segment, enabling for a faster correctional response.
• Periodical review of Substandard and Doubtful Loans, and the re-evaluation of these loans depending on new events.
• Periodic review of Overdraft Facilities for the purpose of identifying stagnant accounts (minimal movement for past 90 days).

Lebanon

• Overseeing credit applications received from branches before distributing them to Credit Officers.
• Overseeing preparation of financial analysis, credit studies, and investigative reports prepared by Credit Officers.
• Assessing such studies and reports and adding comments and recommendations (grant-renew-decline) before submitting to Credit Committee.
• Implementation and follow-up of Credit Committee decisions and any collaterals required.
• Responsible for the study of any exceptional credit requests before submitting to CEO for approval.
• Follow-up of over limit accounts, due and unpaid bills, and completion of exceptional credit lines.

Lebanon

• Responsible for credit file formation.
• Study and analysis of credit files – Including interview of prospective clients and site visits.
• Responsible for the preparation of credit committee meetings.
• Responsible for periodical reports required by Central Bank.
• Assisted Credit Manager on the departmentalization of the Credit Department into specialized divisions, as well as assigning each division its set of policies and procedures.

• Appointed by division General to digitize workflow of reviewing post and present medical benefits allocations.
• Responsible for implementing new computerized database.
• Co-ordination with Army division representatives for submitting monthly medical benefit allocations in digital format.
• Preparation of monthly due payment schedules.

Bba, Business Administration - Management

Lebanese Baccalaureate, Experimental Sciences