Job Market


Rita Garana

Personal Statement:
Work Experience:
Professional Skills:
Personal Skills:
Other Details:

Curriculum Vitae                  

Rita Edward Garrana                   

Lebanese, single, female                                 

Address: Bsaleem-Metn  - Lebanon


Cell : 961 -3-727778


   §  Lebanese American University (previously Beirut University College " B.U.C."), 1983-1986

            -Bachelor of Science in Business Computer

   §  St. Mary Orthodox College, 1978-1982

           -Lebanese Baccalaureate II, Sciences.


    §   English & Arabic: Spoken, written and read very fluently.                                         


    §  The New Millennium Manager

   §  Train the Trainer

   §  Time Management

   §  Interpersonal Communication Skills -

   §  Advanced Supervisory Skills

   §  Basel II (30 hours-Feb06) – Arab Academy for Banking &Financial Sciences.

   §  Anti Money Laundering -Assoc. of Financial Institutions in Lebanon.


   §  Team leader with the needed skills to manage and motivate staff.

   §  Excellent inter-personal skills and the ability to communicate clearly with varied parties.

   §  Self motivated, with the ability to work well under pressure.

   §  Skilled at dealing with difficult customers to ensure the best outcome.

   §  Good interpretation and analysis of financial figures and performance.


    §  Microsoft Excel, Microsoft Word, PowerPoint, Outlook, Business Objects reporting tool

   §  Accounting software applications

   §  Telecom Billing System, CRM, ERP and CMS applications

   §  Bankworks (Master Card Receivable Application)


 Throughout my employment, I gained a managerial experience which can be summarized as per below: 

    §  Writing and updating of Processes and Procedures as per ISO standards.

   §  Publishing and insuring the division KPI’s are met at a satisfactory level.

   §  Setting unit objectives and measuring the achievements.

   §  Responsible for applying company policies & translate dept decisions into operational goals.

   §  Understand customer requirements based on their needs and value translate it into business and functional specification requirements. Communicate the requirements to the development.

   §   Internal office administration and purchase knowledge.

   §  Supervise, coach and assign tasks to a group of staff; Semiannual appraisals. Staff recruitment.

   §  Reporting skills(Financial, analysis , statistical)


   §   Lebanese accounting books,  recordings and close end of year financial figures

   §  Financial reporting and analysis .Coordinating with auditors.

   §  Office Management, purchases, employee procedures and payroll.

  • Create a credit risk management environment of an acceptable quality, in terms of

established credit guidelines  and financial risk evaluation for launch of new products.

  •  Analyze delinquent accounts and prepare report on highest risk accounts including

recommendations for resolution.

  •  Interact with customers to obtain additional credit information to support credit lines
  •  Maintain bad debt and bad debt recovery records . Coordination with Legal advisors.
  •  Preparing budgets related to dept and assist in preparing  project related budgets and follow up
  •  Identify accounts requiring collection agency or legal action and coordinate collections

·         with third party contractors

  • Plan and implement quality assurance for all processes.
  • Supervises the routine operations of the billing department and ensures that the organizational   standards are followed for the same. Resolves the issues escalated by the staff regarding discrepancies arising in the bills of the clients.
  • Participates in the recruitment and training process. Assigns tasks and shifts  to  staff and assists in the monthly and annual closing of accounts. Prepares and implements a strategy that helps the staff to work efficiently and complete all the tasks on time with minimum or no errors.

Telecom detailed job functions  is clarified in page 3 .


 Cricri confectionary shop

Owner and Self Employed Oct 2011 till date

Handling purchases, accounts, sales


The Net Holding Freight and Express Courier services

Oct 2009 up to August 2011

Billing,Collection&Credit Control Manager(with all related accounting records&financial analysis)

Supervising:6 staff members


P-Group – Voice over internet

October  2008 up to Oct 2009

Credit Control & Financial Manager

Supervising : 2 staff  members


Du - GSM Mobile Operator  (Dubai)

November 2006 up to June 2008

Billing and Collection - Senior Specialist

Supervising :8 staff members  


CreditCard Services Co.  Credit Card Issuers (Master card- Lebanon )

Oct. 2004 up to Oct. 2006

Collection Manager- signature “A”


Libancell - GSM Mobile Operator  

*October 96 up to May 2004

 Accounts Receivable and Credit Control Supervisor.  (with all related accounting  records & financial analysis)

(Serving 120,000 regular line subscribers)

Supervising : 7 staff members


Karam Group-Contracting & Real Estate Company

May 1993 – Aug. 1996 (3.3 years- Lebanon)

Senior Accountant


Industrial Services Company - Trading Co. in Textile Machinery & Raw Materials

Dec. 1989 - Feb. 1993 Assistant Chief Accountant.