Ruzanna Khojagoryan
Yerevan,Armenia
Summary
Proven Sales and Relationship Manager with a track record of fostering long-term client relationships and successfully closing sales deals at Ameriabank CJSC. Adept in negotiation and leveraging CRM software to enhance client satisfaction and retention. Demonstrates exceptional communication skills and a commitment to professional growth, driving a 20% increase in cross-selling opportunities.
Overview
12
12
years of professional experience
Work History
Sales and Relationship Manager
Ameriabank CJSC
12.2023 - Current
- Manage and grow client portfolios, ensuring long-term satisfaction and retention
- Develop and maintain strong relationships with clients to foster loyalty and trust
- Identify and generate new leads, successfully closing sales deals
- Provide exceptional customer service, promptly addressing inquiries and resolving concerns professionally
- Lead negotiations, ensuring mutually beneficial outcomes
- Coordinate and execute cross-selling opportunities across multiple channels
Client Manager / Loan Officer
Ameriabank CJSC
07.2018 - 12.2023
- Open and manage client accounts, including international transfers and deposits
- Cross-sell financial products and services to enhance client relationships
- Assess loan applicants’ financial needs, gather documentation, and determine eligibility
- Collaborate with loan officers to process applications, calculate costs, and disburse funds
- Communicate with management on loan decisions and explain rejections when necessary
- Ensure compliance with company policies, laws, and regulations
- Assist with audits and maintain accurate credit files
Cashier Manager / Loan Officer
Unibank OJSC
11.2015 - 07.2018
- Manage cash handling, account opening, maintenance, and international transfers
- Open deposits and cross-sell banking products to clients
- Collaborate with clients to assess loan needs, gather documents, and determine financial eligibility
- Prepare loan applications, review documentation, and assess feasibility
- Communicate loan decisions, including rejections and deficiencies
- Process advances, disbursements, and prepare pay-off letters
- Work with loan officers to gather credit info, calculate costs, and manage loan closings
- Ensure compliance with company policies, laws, and regulations
- Maintain credit files, assist with audits, and follow up on client inquiries
Audit Assistant (Practice)
SOS-Audit LTD
03.2017 - 06.2017
- Assisted in the analysis of operational and financial data during audit projects.
Leading Loan Officer
BTA Bank CJSC
02.2014 - 04.2015
- Meet with loan applicants to assess needs, gather documents, and determine eligibility
- Prepare and review loan applications, establishing debt repayment plans
- Evaluate loan feasibility, communicate with management, and handle loan rejections
- Process advances, disbursements, and prepare pay-off letters
- Collaborate with loan officers to gather credit info, coordinate closings, and manage costs
- Ensure loans comply with company policies, procedures, and regulations
- Maintain credit files, assist with audits, and follow up on client inquiries
Sales & Marketing Manager
BB Media
06.2013 - 08.2013
- Analyzed competitor activities in the market and identified opportunities for growth.
- Supported sales team members to drive growth and development.
Education
Master's Degree - Accounting and Audit
Armenian State University of Economics
Armenia, Yerevan01.2017
Bachelor's Degree - Management
Armenian State University of Economics
Armenia, Yerevan01.2013
High School Diploma -
Mravyan Secondary School
Armenia, Yerevan01.2009
Skills
- Negotiation
- Cross-Selling
- Communication
- Learning
- Adaptability
- Sociable
- Punctual
- Responsible
- Diligent
- Professionalism
- Health
- Teamwork
- Critical Thinking
- Analytical Skills
- Problem-Solving Skills
- Agile
- Waterfall
- Lean
- Scrum
- Kanban
- Scrumban
- Banking Software
- Project Management Tools
- JIRA
- Confluence
- Miro
- Trello
- CRM Software
- Salesforce
- Microsoft Office Suite
- Adobe Suite
- Loans
- Sales proficiency
- Critical thinking
- Analytical problem solving
- Strategic selling
- Client relationships
- Service support
- Team building
Languages
- Armenian, native
- Russian, fluent
- English, fluent
- Spanish, basic
Hobbies and Interests
- Sport
- Music
- Reading
Personal Information
- Date of Birth: 01/25/93
- Nationality: Armenian
Technical Environment
- Proficient in banking software (AS Bank)
- Experienced with project management tools: JIRA, Confluence, Miro, Trello
- CRM software: Salesforce
- Microsoft Office Suite: Word, Excel, Access, PowerPoint
- Adobe Suite (Acrobat, etc.)
Timeline
Sales and Relationship Manager
Ameriabank CJSC
12.2023 - Current
Client Manager / Loan Officer
Ameriabank CJSC
07.2018 - 12.2023
Audit Assistant (Practice)
SOS-Audit LTD
03.2017 - 06.2017
Cashier Manager / Loan Officer
Unibank OJSC
11.2015 - 07.2018
Leading Loan Officer
BTA Bank CJSC
02.2014 - 04.2015
Sales & Marketing Manager
BB Media
06.2013 - 08.2013
Master's Degree - Accounting and Audit
Armenian State University of Economics
Bachelor's Degree - Management
Armenian State University of Economics
High School Diploma -
Mravyan Secondary School
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