حسام عبده

- Monitoring, controlling and analyzing monthly expenses of company’s projects and supportive divisions
- Corporate and coordinate with Top Management in preparing and finalize yearly budget for projects and departments.
- Following up for the preparation of monthly expenses reports and daily logs
- Evaluating financially the company’s expenditure with respect to projects requirements.
- Assist in forecasting the costs of projects and departments’ assets and equipment.
- Efficiency in helping projects and supportive divisions in allocating actual cost for all requested MRNs based on annual budgets
- Success in cutting unnecessary costs. Necessity is determined in terms of equipment price and quality, -KOC quality plans and projects and supportive divisions priorities
- Understand the corporate and project(s) specific cost procedures and carry out all work in accordance with these.

Identifies financial status by comparing and analyzing actual results with plans and forecasts for the strategic and business plans and company valuations.

Perform proactive and in-depth analysis of financial statements, portfolio quality, and ratio trend reports, in addition to external industry reports.

Improves financial status by analyzing results; monitoring variances; identifying trends and provide pro forma modeling for financial statements with analysis and recommending actions to management.

Determines cost of operations by establishing standard costs; collecting operational data.

Recommends actions by analyzing and interpreting data and making comparative analyses; studying proposed changes in methods and materials.

Contributes to team effort by accomplishing related results as needed.

Review and approve credit applications (Within specified criteria’s) against CBK guidelines, Bank’s SOPs, credit procedures and other regulatory requirements based on credit analysis and take the final credit decision.
Ensure information/documentation is complete and gaps are followed-up or queried.
Effective analyses within tight deadlines.
Monitor the CA/QA applications assessment and turnaround time.
Identify other features of the application that requires attention.
Recommend risk-mitigation or modifications to applications.
Conduct credit review to evaluate the applicants creditworthiness.
Recommend action in the case of problem accounts.
Generate periodic reports related to the business aspects and the GB promise.
Recommends amendments to credit policy to increase profitability, improve asset quality as well as ensuring consistency of credit decisions.
Identifies weakness and gaps in the credit policies, procedures and reports them along with the recommendations and suggestions to the management for review and discussion.
Coordination and cooperation with accounts officers in corporate banking department about private sectors loans by make studies and all credit researches.

Senior Credit Officer, National Bank of Kuwait (Consumer lending Division), Kuwait, Oct. 2008 - July 2012

•Review and check loan applications received from different areas of the bank in order to recommends lending limits in line with CBK and Banks policies to ensure compliance based on statistical analysis and take the final credit decision.
•Process approved loans to the bank records through PC terminals to ensure proper crediting of customer’s account.
•Recommends amendments to credit policy to increase profitability, improve asset quality as well as ensuring consistency of credit decisions.
•Identifies weakness and gaps in the credit policies, procedures and reports them along with the recommendations and suggestions to the management for review and discussion.
•Visit and communicate regularly with direct sales, Auto sales team and branches employees to explain NBK criteria & CBK instructions, train employees, coach junior staff, obtain their feedback and promote loan business volume.
•Directly maintain credit policies, lending rules and other requirements within the credit scoring system. Including extracting various reports from the system as well as continuously validating that appropriate cutoff levels are producing credit decisions in line with the Bank's risk appetite and budgeted income targets.
•Coordination and cooperation with accounts officers in corporate banking department about private sectors loans by make studies and all credit researches.
•Help improving delinquency levels and ensure compliance and adherence to NBK and central bank of Kuwait criteria, policies and procedures.
•Handle customer’s complaints and queries to improve customer retention.
•Assign work to collection staff to follow up on loans and customer status.

Worked in DSD as operation Officer to check loans before crediting it in accounts and issuing GPOs for customers who want to settle there liabilities in other banks and financial companies and release's the blocks on their accounts when they complete all the required documents of settled liabilities, prepare loans report on daily basis, open accounts for new customers & process credit cards application on CRM system.
Using PC-Teller (Shrooq System) to transfer amounts from customer account to car showroom Account. Responsible towards all things related to AST (Automotive Sales Dept.) Sales reports.
Train new staff in Auto Sales team & direct sales department by giving them an introduction on loans policies and buyouts as NBK policies & central bank policies.