Total Years of Experience: 12 Years, 7 Months
December 2018
To Present
Credit Assistant Manager
at Al Ahly Leasing Company
Location :
Egypt - Cairo
• Prepare and present to the Head of Credit the full Credit Package that presents the proposed/annual review facility and the associated terms and conditions. In order to perform the task in an efficient way the following should be included:
• Spreading and financial analysis for the client’s financial statements.
• Preparation of financial projection, in order to assess the ability to pay the leasing facility.
• Preparation of a detailed and accurate study for New and/or Existing lessees (in terms of qualitative and quantitative analysis to the client) to assess the financial and market study of new clients within a specific industry.
• Gather data about industrial sectors and transform such data into useful information.
• Ensure that any policy exception is properly identified, and that Credit package is directed to the proper lending authority for approval.
• Assess risks existing in any transaction and propose it’s mitigates.
• Prepare leasing proposals.
• Discuss with Risk Management Department (RMD) credit matters and cases when the need arises.
• Conduct clients’ meetings and site visits with RM (Relationship Manager) to assess business needs,
• Prepare memos to be presented to the proper approving authority regarding any exceptions in the approved facilities or security documents.
• Organize Credit Files and regularly update them in co-ordination with the RM in order to include all updated necessary documents (efficient filing system).
• Spreading and financial analysis for the client’s financial statements.
• Preparation of financial projection, in order to assess the ability to pay the leasing facility.
• Preparation of a detailed and accurate study for New and/or Existing lessees (in terms of qualitative and quantitative analysis to the client) to assess the financial and market study of new clients within a specific industry.
• Gather data about industrial sectors and transform such data into useful information.
• Ensure that any policy exception is properly identified, and that Credit package is directed to the proper lending authority for approval.
• Assess risks existing in any transaction and propose it’s mitigates.
• Prepare leasing proposals.
• Discuss with Risk Management Department (RMD) credit matters and cases when the need arises.
• Conduct clients’ meetings and site visits with RM (Relationship Manager) to assess business needs,
• Prepare memos to be presented to the proper approving authority regarding any exceptions in the approved facilities or security documents.
• Organize Credit Files and regularly update them in co-ordination with the RM in order to include all updated necessary documents (efficient filing system).
September 2019
To Present
Assistant Credit Manager
at Enmaa Ijara company
Location :
Egypt - Cairo
July 2015
To December 2018
Credit Analyst
at Banque Misr
Location :
Egypt - Cairo
- Evaluating clients’ credit data and making analysis for financial statements in order to determine the degree of risk involved in lending money to them
- Preparing reports about the degree of risk in lending money to clients
- Analyzing client records and using the data to recommend payment plans
- Evaluating the financial status of clients by producing financial ratios through Moody's program
- Submitting the loan memorandum to loan committees for their approval
- Conferring with clients to verify their financial/credit transactions
- Preparing projected financial statements to find the ability of the client to repay loans.
- Preparing reports about the degree of risk in lending money to clients
- Analyzing client records and using the data to recommend payment plans
- Evaluating the financial status of clients by producing financial ratios through Moody's program
- Submitting the loan memorandum to loan committees for their approval
- Conferring with clients to verify their financial/credit transactions
- Preparing projected financial statements to find the ability of the client to repay loans.
June 2012
To June 2015
Accountant
at Edarh For Construction
Location :
Egypt - Cairo
•Assist in preparing financial statements.
•Assist in the monthly and year-end close.
•Keeping up to date with insurance payments.
•Preparing monthly Fixed Asset register.
•Posting Journal entries to general ledger accounts.
•Preparing Analysis of revenues and expenses.
•Assist in the monthly and year-end close.
•Keeping up to date with insurance payments.
•Preparing monthly Fixed Asset register.
•Posting Journal entries to general ledger accounts.
•Preparing Analysis of revenues and expenses.
April 2012
To May 2012
Call Center Agent
at BDO ESNAD
Location :
Egypt - Cairo
-Answering calls professionally
-Answering customers' inquiries
-Making outbound calls for interested customers
-Answering customers' inquiries
-Making outbound calls for interested customers
January 2012
To March 2012
Trainee
at Moustafa Shawki & Co. Auditing Firm
Location :
Egypt - Cairo
• Attending Tax Inspections.
• Preparing necessary accounts analysis for the inspections.
• Preparing necessary documents for the inspections.
• Preparing necessary accounts analysis for the inspections.
• Preparing necessary documents for the inspections.
July 2010
To August 2010
Trainee
at natgas
Location :
Egypt - Cairo
•Writing Job Descriptions.
•Making Hotel Reservations for Employees.
•Analyzing &Recording Mobile Bills of the Employees.
•Making Hotel Reservations for Employees.
•Analyzing &Recording Mobile Bills of the Employees.
July 2009
To September 2009
Trainee
at natgas
Location :
Egypt - Cairo
•Screening CVs.
•Data Entry for the Accepted CVs.
•Recording Implemented Training Courses.
•Data Entry for the Accepted CVs.
•Recording Implemented Training Courses.
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