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Amela Kahvedzic
Banking & Finance Professional
Amsterdam
Work Preference
Summary
Dynamic and reliable finance and banking professional with over 20 years of expertise in credit risk analysis, loan processing, receivables management, and business banking. Proficient in financial analysis, creditworthiness evaluation, and payment operations, with a strong focus on fostering client relationships and promoting collaborative teamwork. An adaptable and results-oriented mindset consistently drives the alignment of operational strategies with business objectives in fast-paced environments. Based in Amsterdam with full EU work authorization and immediate availability to contribute effectively to organizational success.
Overview
23
23
years of professional experience
2
2
Certifications
3
3
Languages
Work History
Regional Manager
ASA Banka
03.2020 - 07.2025
- Managed 6 branches and 30+ staff across SME and retail segments
- Achieved 40% portfolio growth and 36% client base increase in 2.5 years
- Reduced NPL rate to 2.5%, outperforming national average
- Developed and executed regional business plans, increasing market share and profitability
- Led credit reviews, loan approvals, and client risk monitoring
- Streamlined operations and improved DSO discipline through reporting and process optimization
- Mentored junior managers and implemented staff training programs to boost service quality
- Led regional strategy development to enhance operational efficiency, resulting in improved client satisfaction and retention rates
- Spearheaded market analysis initiatives, identifying new business opportunities and optimizing resource allocation to maximize profitability
- Monitored KPIs and executed corrective actions to maintain high performance
- Strengthened community presence through strategic partnerships and local engagement
Branch Manager
ASA Banka d.d. Sarajevo
04.2016 - 03.2020
- Led a team of 10+ employees, providing strategic direction and operational oversight
- Led branch operations to enhance service delivery, increasing client satisfaction and retention
- Surpassed profitability and performance targets by over 20%
- Directed branch operations to enhance customer service delivery, resulting in increased client satisfaction and retention rates
- Implemented strategic initiatives to streamline loan processing times, improving overall efficiency and customer experience
- Implemented early warning systems to prevent NPLs and improve repayment behavior
- Directed loan restructuring and coordinated with legal, sales, and recovery teams
- Built strong relationships with local businesses, driving referral growth
Sales & Credit Advisor
Bosna Bank International
09.2011 - 04.2016
- Analyzed client financial data to identify trends and opportunities, leading to targeted recommendations and increased sales
- Managed payment operations and monitored repayment behavior
- Led customer recovery conversations and supported portfolio quality
- Built strong relationships with clients through regular follow-ups and updates, ensuring their ongoing trust and loyalty
- Advised clients on credit options and financial products, enhancing their understanding of available resources and solutions
- Collaborated with cross-functional teams to streamline loan processing, improving efficiency and reducing turnaround times.
Sales & Credit Advisor
ProCredit Bank
01.2003 - 01.2011
- Achieved sales targets and maintained high customer satisfaction
- Analyzed clients financial situations to provide tailored recommendations, ensuring optimal credit health.
- Advised clients on credit options and financial products, enhancing their understanding of available resources and solutions.
- Developed tailored financial plans for clients, resulting in improved satisfaction and stronger client relationships.
- Provided training and mentorship to junior advisors, fostering a culture of continuous learning and professional development.
- Oversaw daily payment operations and branch performance
Education
Bachelor's Degree - Economics/Finance
University of Vitez
Travnik, Bosnia and HerzegovinaSkills
Risk assessment and loan design
Achievement of sales targets
Portfolio analysis and reporting
Client relationship management
Team Leadership & Performance Coaching
Experience with integrated banking software solutions
Portfolio growth
Business planning
Sales strategy
Team collaboration
Regulatory compliance
Certification
Wft Basis (planned: September 2025, Netherlands)
Accomplishments
- Reduced NPL rate to 2.5% vs. market average of 3.5%
- Delivered YoY portfolio growth: 9.8% (2023), 10.2% (2024)
- Opened 2 new branches and managed €55M credit portfolio
- Supported successful M&A integration (Vakufska & Sberbank → ASA)
- Twice awarded “Performer of the Year”
PERSONAL ATTRIBUTES
- Sales-driven and analytical mindset
- Precision, accuracy, and process-oriented
- Strong organizational skills
- Independent, proactive, and excellent negotiator
LOCATION & AVAILABILITY
- Currently based in Amsterdam with full EU work authorization
- Available immediately
Interests
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Languages
English
Advanced (C1)
Croatian
Bilingual or Proficient (C2)
Serbian
Bilingual or Proficient (C2)
Dutch
Elementary (A2)
Timeline
Regional Manager
ASA Banka
03.2020 - 07.2025
Branch Manager
ASA Banka d.d. Sarajevo
04.2016 - 03.2020
Sales & Credit Advisor
Bosna Bank International
09.2011 - 04.2016
Sales & Credit Advisor
ProCredit Bank
01.2003 - 01.2011
Bachelor's Degree - Economics/Finance
University of Vitez