Credit Analyst
Euler Hermes
Total years of experience :14 years, 4 Months
Employed in the Risk department where I enhanced my knowledge of the market.
Portfolio Management:
- Analysis large Corporate companies in GCC countries, Saudi Arabia, Qatar, Oman,
Kuwait, Bahrain, Jordan, Lebanon and Egypt.
- Sector analysis of Petrochemicals, Plastic, Construction, Steel, IT and food.
- Analyzing financial statements, shareholder strategy and management experience in the field.
- Preparing reports on the companies then rating them after Processing the available data.
Relationship management:
- Phone calls with the concern companies.
- Buyer Visits to collect financial and operational information.
Reporting:
- RIC Monthly reporting.
- KPI reporting.
Operation & Follow up Officer - BLOM Bank
Employed in the Retail Department at BLOM Bank (Bank of Lebanon and Overseas) where I have successfully achieved the here-under tasks with great efficiency:
Credit Analysis, Car, Personal And Housing Loan: - Preparing file studies credit analysis for loan applications and take credit decision.
- Preparing and checking contracts to be signed by clients.
- Preparing the early settlement calculation for loans to refund interest.
- Update the loans status after loan granting Finalize the loan.
- Coordinate with the attorney office to know the real estate speculation of the house.
- Calculate life and fire insurance (for housing and personal loan) with the coordination with insurance company.
Loan Classification: - Preparing data for classification on quarter basis.
- Preparing provisions reports, accounting entry, reports to the General Manager with names of classified customers.
- Preparing reports to Central Bank for classified customers.
Loans follow up: - Generating reports, revising and analyzing data on daily, weekly and monthly basis to analyze, spot and resolve any deviation that breaks the bank rules, procedures and regulations.
- Extract unpaid bills reports from the system on daily basis.
- Install data for collection agents on daily basis.
- Setting up the collection agents target on daily basis.
- Monitor the collection agents' performance.
- Preparing the collection agents incentive on monthly basis.
- Follow up non- performing loans and preparing statistical reports.
- Follow up seized cars and coordinate with the lawyer office and the insurance company for settlement of the amount required to convert the loan and the closure.
Bachelor degree from the Faculty of Economic, Damascus University, Banking & Insurance Section.