Senior Credit Administration Specialist
Export Development Bank of Egypt
مجموع سنوات الخبرة :15 years, 11 أشهر
•I am responsible for helping creditors acquire loans and manage credit portfolios, reviewing and evaluating existing customer credit limits on a regular basis and approving.
•I am also responsible for ensuring the efficient and accurate preparation of Credit facilities and loans related documentation, ensuring adherence with the bank’s lending policies and procedures, providing guidance when necessary, and making recommendations for enhancements as needed, ensuring that appropriate underwriting guidelines are being followed, to ensure a high quality loan portfolio, while making recommendations for necessary changes.
• Make all the action related to executive credit ( corporate & SME )
•Reviewing both credit facility report (CFR)& credit facility summary (CFS), conditions and guarantees for client and related clients
•Assuring that credit memorandum terms harmony with work systems and instructions as bank general policy.
•Following up the central credit concerning annual review of client facilities before the date of expiry.
•Reviewing investigation report and the approval authorities.
•Reviewing the over limit approval authorities then following up payments.
•Keeping the book of mortgage and guarantees and following up their updates.
•Following up execution of Secretary of facilities committee.
•Reviewing contracts of loans and settlements of loans and facilities and their mortgage and following up their execution.
•Making sure that the executive departments apply the conditions according to the credit Approval.
•Following up the settlement of irregular client.
•Assist customers with routine account-related requests such as: funds transfers, stop payments, inquiries about bank deposit products and service charges, inquiries about ATM and debit card usage and limits, inquiries about checking and savings accounts transactions, inquiries about funds availability.
•Research and resolve customer problems, acting as the customer liaison between other bank departments when necessary. Research customer questions regarding electronic funds transfers and initiate, including the completion of all necessary documents and affidavits. Cross-sell bank products and services based on customer needs in accordance with the banks’ program standards.
•Verify information on ATM/credit card applications to the information in customer database. Send exceptions to personal banking counselors for corrections.
•Update the system with messages regarding ATM/credit cards and service charge rebates.
•Input, maintain and/ or delete ATM and debit cards within system. Transfer funds to cover customer overdrafts as directed by bank operations.
•Contact customers to obtain necessary signatures on items with missing or irregular signatures.
•Balance currency, checks in cash drawers at ends of shifts, and calculate daily transactions using computers, calculators, or adding machines.
•Cash checks and pay out money after verifying that signatures are correct, that written and numerical amounts agree, and that accounts have sufficient funds.
Receive checks and cash for deposit, verify amounts, and check accuracy of deposit slips.
•Examine checks for endorsements and to verify other information such as dates, bank names, identification of the persons receiving payments and the legality of the documents.
•Enter customers' transactions into computers in order to record transactions and issue computer-generated receipts.
•Count currency, checks received, by hand or using currency-counting machine, in order to prepare them for deposit or shipment to branch banks or the Central Bank.
•Ensure replenishing and balancing of cash at ATM is in line with policies and procedures. Daily monitoring of ATM cash levels ensuring sufficient cash levels are maintained at all times.
•Troubleshoot and maintain ATM systems ensuring ATM uptime at all times; escalation to IT for any network related issues ensuring resolution in a timely manner and minimizing customer impact.
•Ensure any ATM differences are located in a timely manner and accurate processing of balancing / adjustment entries and related reconciliations and reporting.
•Handling ATM related electronic fund transfer and customer disputes.
•Borrowing funds at the lowest possible rate to meet short- and long-term needs.
•Collecting Funds from customers, as quickly as possible.
•Concentrating funds from outlying banks to the concentration bank as quickly as possible at least expense.
•Liquidity forecasting and management.
•Contributes to the Bank's deposit growth strategies and goals; generates additional revenue from the sale of cash management products and services.