Credit Analyst
Arab Bank
Total years of experience :18 years, 8 Months
● Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
● Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.
● Review individual or commercial customer files to identify and select delinquent accounts for collection.
● Contacts Central Bank of Egypt to check over new client's status and credit history.
● Prepare reports that include degree of risk involved in extending credit or lending money
Compare liquidity, profitability and credit histories in the same industries and geographic locations
• Responsible for both the central Bank of Egypt inquiry as well as the external investigation "Place of residence and work"
• Contacts Central Bank of Egypt to check over new client's status and credit history
• Resposible for both Corporate snd SME investigation.
• visiting the client for information assisting and confirmation
• Generating reports requested by the central bank of Egypt
• Ensures that there's no fraud involved and that the company is not just set - up to acquire facilities from the bank.
• Analyzing the gathered data about the client
• Providing Investigation reports about the client every six months
• Carry out Supervisory responsibilities for credit Investigators
• Present clear answer to the potential client on any question that he/she may ask.
• Communicate any problems concerning our bank to the investigation supervisor so that they may be able to deal with immediately
• Responsible for the evaluating the new companies requested to be added to the bank's Target market list.
• Ensure verification of the documents presented in case of any potential fraud through visiting the social insurance office, chamber of commerce, etc
• Ensure the market sources concerning the client's and the company's reputation
• Examines Directories to verify history, convictions, property ownership, bankruptcies and unpaid taxes of clients
•Handling customers'' inquiries and complaints.
•Communicate effectively with other departments in order to provide the required customer service standards.
•Provide excellent knowledge of all Vodafone’s services, products, offers, promotions.
•Recognizing and delighting Vodafone One customers.
•Improve the store’s WIST results
•Handling variance reports and taking corrective and preventive actions.
•Handling the cash end of day processes and delivering cash. Maintain the agreed stock level at all times.
•Ensure effective, efficient and smooth day to day operations.
•Cost efficiency and effectiveness implementation.
•Delivery of all the assigned tasks on time.
•Accurate inventory control and stock take.
•Maintain store’s look and feel (maintenance, cleanliness, displays, etc…).
•Assigned training participation & completion.
•Positive monthly GUBA.
•Positive contribution in store tasks.
• Handling customers'' inquiries and complaints.
• After sales service.
• Handling the service time.
• Drivers'' schedule, Gasoline and car maintenance.
• 1/2 weekly report from the call center.
• Provide training for all staff.
• Handling money transaction.
➢ Faculty of Arts (European civilization Dept) .
➢ 2000, High School Certification, Graduated from Al-Ola Language School.
➢ 1997, Preparatory school certification, graduated from Al-Ola Language Preparatory School.