Hossam Algaml

Financial Services

Lighting Business

I work as credit officer
My gob is offer the credit facilities and all required documents for our services.
By easy way inform the customer how he pay, when start, how much we take the total interest
Close the deal by checking the cinet limit, available limit for him,
Sign on the contract mentioned monthly payments, period of deal and thank him at the end.

Since 2012 I working as credit officer in Alghanim industries - credit section, the customer approach to our office ask about the details of credit ( Required doc. - period - max limit - availability stock- offers ) start ask me about required documents. ....calculate the price and monthly payment of his purchase, the credit limit for him and make sure he has enough limit of 40 % as employee in cinet
other side we mention all offers to our customers if needed.
thin approve the transaction by customer sign and submit his transaction in the sys. To start pay next month .
at the end we send their documents to head office for audit team and ensure all documents are correct and meeting our credit policy (criteria) .

Review loan applications submitted by clients.
Assessment of the financial situation of clients applying for loans.
Assessment of creditworthiness and risks for clients.
Contact clients to collect the financial data and documents required to obtain the loan.
Analyze risks and approve or reject loan applications.
Calculate financial ratios (eg credit scores, interest rates)
Prepare appropriate payment plans for clients.
Maintain customer records and follow up on file updates of loan applications.
Communicate and follow up with clients to discuss loan renewals.
Monitoring the operations of existing loans

I was work as sales associate in Xcite Alghanim
Present, promote and sell products/services using solid arguments to existing and prospective customers
Perform cost-benefit and needs analysis of existing/potential customers to meet their needs
Establish, develop and maintain positive business and customer relationships
Reach out to customer leads through cold calling
Expedite the resolution of customer problems and complaints to maximize satisfaction
Achieve agreed upon sales targets and outcomes within schedule
Coordinate sales effort with team members and other departments
Analyze the territory/market’s potential, track sales and status reports
Supply management with reports on customer needs, problems, interests, competitive activities, and potential for new products and services.
Keep abreast of best practices and promotional trends
Continuously improve through feedback