Fabio Alessi

CREDIT SPECIALIST / CLIENT PORTFOLIO MANAGER

• Manage and administer all stages of financing, including final loan/mortgage agreement. Ensure correct distribution of credit and monitor utilisation. Deliver personal service to clients; offer finance and investment choices in line with risk profiles and bank goals. Liaise with director on strategic and commercial initiatives.
• Perform credit analysis of clients seeking debt financing, debt refinance, and operating business valuation analysing (trial balance, spread sheets, financial statements, operating and working capital).
• Analyse clients’ investment strategies and financial objectives and develop the right investment strategy for present and future market conditions. Periodically, analyse the situation of all customers in order to offer new commercial opportunities. Resulted in an increase of branch deposits.
• Generated significant profit and contributed to the branch achieving budget in both years and for the bank winning “Bank of the Year in Western Europe 2010.”
• Increased mortgages activity by 200% and loans activity by 300% by re-engineering key business processes.
• Increased credit quality by 98% by improving risk management procedure and by reducing loan loss positions in multiple business sectors.
• Designed and implemented a simple, yet instantaneous and 90% accurate, pre-evaluation process for mortgages and loans. Resulted in volume increase from €1M to €4.5M Year One to €5.5M Year Two.
• Recovered funds from loan default customers with 50% success rate.
• Applied bank reconciliation functions by analysing situation, negotiating, solving all problems, and reaching agreements.

Strategist / Project management

• Developing HR project and strategy to support organisation changes linked to business plan (Intesa Sanapolo Training Team Academy). · Managed organisational structure change by training senior staff to new roles. · Managed relationship and projects with non-profit, ethical organizations.

HEAD OF PRIVATE CUSTOMERS SECTOR

• Developed financial and strategic plan and annual budget for the private sector in conjunction with the director. Led a 7-member team and oversaw operating and administrative activities within the branch. Coordinated activities with other sector managers. Visited clients.
• Delivered fast, high quality customer service; optimised operating processes and guaranteed results.
• Managed change during a merger by training senior staff in three branches. Solved any merger-related problems for the branches.

CLIENT PORTFOLIO MANAGER

• Managed client investment portfolio and consistently achieved economic, commercial, and risk objectives. Introduced and proposed dedicated products and services. Dealt with consumer credit, securities, over draughts and loans, mortgages and insurance. Worked with director of the branch to formulate commercial activity strategies. Ensured correct distribution of credit (in autonomy) and monitored distributed credit.
• Grew client investment portfolio by 70%.
• Boosted branch deposits by 50% by cross-selling products and leveraging business advisory skills.
• Improved branch’s profits by developing new relationships. Targeted and won business with previously unconsidered categories. Reactivated dormant commercial accounts.
• Mitigated effects of intense competition by quickly reacting to rival banks’ offers, by strengthening customer loyalty, and by enhancing the image of the branch via marketing.

VICE DIRECTOR OF BRANCH

• Forecasted growth and managed branch’s budget, P&L, credit management operating risk, and acquisition and retention of customers.
• Managed commercial activities related to pricing policy, portfolio business, accounts management, securities, over-draughts and loans, and mortgages and insurance. Monitored commercial data and initiatives.
• Ensured accuracy of operating and administrative activities. Worked with HR to update staff on policies and with marketing to ensure communications complied with guidelines. Acted on behalf of director, as required.
• Over-achieved sales objectives by 10%, which had not been achieved in the previous five years.
• Led business process re-engineering and implementation of new procedures during the merger of Sanpaolo IMI SpA with Banca Intesa to form Intesa Sanpaolo SpA.
• Saved the bank money by uncovering external bank fraud; managed this dangerous situation.
• Banco di Napoli SpA (Prestigious Italian bank founded in 1539) 1991–1992 & 1994.

Warwick Business School

University of Messina

Istituto Superiore di Comunicazione

University of Wolverhampton/Holborn College-UK