Mehmet Yener Uğur

Work History

Credit Manager

Türkiye Ekonomi Bankası (TEB) A.Ş

Istanbul

09.2012 - Current

Working as a member of the “Monitoring & Follow up “team, responsible of all the actions to be taken for the borrowers on the scope
Close contact with branches and legal department
Team is responsible of management of customers having overdue days higher than 30 days
Similar function to “Intensive Care”, some diversification related to local regulations
From the portfolio’s general view – if needed- to the borrower base, team realizes the risk analyses & related reports
Devised collection recovery strategies to resolve customer issues and delinquent cases.
Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
Monitored accounts for signs of fraud and non-payment issues.
Referred delinquent accounts to collections department or outside resources.
Developed strategies to expedite payments and customer resolutions.
Investigated and evaluated customers for creditworthiness and potential risk factors.
Negotiated settlements and payment terms with customers and delivered customized payment plans.
Compiled data critical to analysis of annual bad debt.
Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
Collaborated with management to evaluate credit strategies and develop improvements.
Work cross-functionally with sales, management and other departments to maintain effective operations.
As we are a part of BNPPARIBAS, on weekly basis we are meeting with our French partners to share updates about our portfolio & findings and our expectations about the market.
Oversaw reporting, documentation and recordkeeping requirements for department
Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations

Consultant Manager

Merit Rating & Consultancy A.Ş

Istanbul

11.2011 - 09.2012

Been working as member of “Rating Team” responsible of entire rating procedure
Managing customer relations (keep them updated about current issues such as “new law(s), economic and political updates etc.)
Directed major client engagements and monitored asset managements
Introduced new systems of organization to streamline company changes.
Designed new projects with timelines, budgets and scope of work plans
Identified and communicated customer needs to supply chain capacity and quality teams

Head of GLP ( General Lending Products) Team

ING Bank Turkey

Istanbul

07.2009 - 10.2011

Head Of “Mid- Corp General Lending Products” department
Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
Managed to shorten the credit approval time by 25%
Identified issues, analyzed information and provided solutions to problems.
Demonstrated leadership skills in managing projects from concept to completion.
Worked well in a team setting, providing support and guidance.
Developed strong organizational and communication skills through coursework and volunteer activities.
As a part of the front office team having a bridge function between branches & risk department
Direct reporting to relevant parties in ING Amsterdam
Responsible of training organizations for the network (personally involved in trainings as an internal trainer)
Applied effective time management techniques to meet tight deadlines

Corporate Credit Manager

Akbank

Istanbul

08.2007 - 07.2009

Corporate Credit Management
Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new & existing accounts.
Streamlined processes for early identification of potential credit system and monitoring problems.
Negotiated settlements and payment terms with customers and delivered customized payment plans.
Responsible of entire credit proposal process & executive reporting
Dealing with seven corporate centers countrywide
End to end credit process and new improvements were in scope
Compliance (Local & International) was a part of the responsibilities.
Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents

Credit Officer

Fortis Bank, Fortis Bank N.V

Brussels

01.2006 - 08.2007

Analysing credit requests from Turkey, Greece and Romania, and presenting them to the credit committee
Performed annual account credit limit reviews and credit increase review requests from financial service and sales teams.
Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
Adhered to banking standards and government lending guidelines for loan services
Obtained and interpreted financial statements to assist in credit limit reviews
Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements

Account Manager

Istanbul Asia Business Center

Istanbul

06.2004 - 01.2006

Responsible of all the financial needs of the portfolio's clientele (turnover between 5-250 MM Euro)
Built and strengthened long-lasting client relationships based on accurate price quotes and customer-centric terms.
Evaluated client needs and developed tailored solutions to increase positive customer ratings.
Educated clients on new products or services to increase customer engagement with brand.
Monitored and analyzed customer feedback to identify opportunities for improvement.
Coordinated with internal teams to facilitate prompt delivery of client projects.

Summary

Overview

Work History

Credit Manager

Consultant Manager

Head of GLP ( General Lending Products) Team

Corporate Credit Manager

Credit Officer

Account Manager

Education

BBA - Business Economics

High School Diploma -

Skills

Certification

Timeline

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