Mahmoud Ismael, Credit Analyst

Mahmoud Ismael

Credit Analyst

Banque Misr

Location
Egypt - Cairo
Education
Bachelor's degree, Accounting
Experience
8 years, 3 Months

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Work Experience

Total years of experience :8 years, 3 Months

Credit Analyst at Banque Misr
  • Egypt - Menoufia
  • My current job since July 2016

-Preparation of Credit Proposal Memos "CPMs" and perform spreading and financial analysis for the client’s financial statements.
-Assists in the achievement of the required conventional tasks of the Credit officers and Team leaders.
- Accountable relationship officer for at least 5 credit files.
- Assist in conduct and preparation of a detailed and accurate financial and market study in a timely and coherent manner to assess the financial standing and market positioning of existing/new clients within a specific industry.
-Attend client calls with superiors.
-Prepare Call memos that summarize key issues raised during the client call.
-Prepare Credit Proposal Memos "CPMs" that present the proposed facility package and the associated Terms & Conditions.
-Prepare an Interim Review regarding contracts financing, special transactions and amendments in facility’s original Terms and Conditions
-Reviewing facilities agreements and documentation and ensuring its compliance with approvals obtained from the designated committees.
-Follow up and closely monitor accounts on a regular basis to ensure that approved limits abide to terms and conditions.
-Organize credit files and regularly update them to include latest financials, CBE and Credit Information Reports, recent Commercial Register in addition to all necessary documents.
-Perform periodical credit analysis to assess and ensure creditworthiness.
-Gather raw data about a minimum of one sector and assist his superiors in transforming such data into useful information worthy of enclosure in a comprehensive market research.
-Preparation of all Internal Memos regarding credit accounts handled by Senior/relationship officer as well as large & Medium corporate Manager.
-Preparation of letters addressed to Corporate Clients, Financial and Legal Institutions.
-Properly transfer the audited financial statements into the standard format (spreads) to derive the relevant ratios analyzing each single account.
-Study the notes to the audited financial statements that should affect the referenced analysis.

Customer Service Representative at National Bank of Egypt
  • Egypt
  • August 2014 to September 2014

Handling customers, and serving them concerning the different bank products efficiently

Customer Service Representative at Banque Misr
  • Egypt
  • August 2013 to September 2013

Serving customers on all banking products, handling them and showing bank in a good image

Education

Bachelor's degree, Accounting
  • at Bachelor of Commerce - English Section, El Menoufia University
  • July 2015

I've joined Faculty of Commerce English Section, El Menoufia University on Oct, 2011 And continued for 4 years studying several fields like accounting, Taxs, Management, HR, Economy, Statistics, Auditing, and etc. Till I've graduated on Jul, 2015 with an overall grade of GOOD With a percentage of 75.3 %

Specialties & Skills

Accounting
Insurance
Banking
Customer Service
flexiblity
windows
Peachtree
Internet
microsoft office word
Can work under stress
Team work
microsoft office powerpoint
hard working
Fast learner
Quickbook
Internet Outlook
dependable and organized person
microsoft office excel
flexiblity
Adabtable
Flexible

Languages

Arabic
Native Speaker
English
Intermediate

Memberships

جمعية السادات
  • منسق ميدانى - رسام جرافيتى
  • December 2015

Training and Certifications

Mini Credit Course (Training)
Training Institute:
Egyptian Banking Istitute
Date Attended:
August 2016
Electronic Accounting (Training)
Training Institute:
Faculty of Commerce - El Menoufia University
Date Attended:
February 2014
Training For Employment (Principle of Banking) (Training)
Training Institute:
The Egyptian Banking Institute (EBI)
Date Attended:
January 2016
Duration:
100 hours
EduEgypt (Training)
Training Institute:
Information and Technology Institute (ITI)
Date Attended:
September 2015
Duration:
50 hours
International Computer Driving Licence (Training)
Training Institute:
Faculty of Informations and Computer - El Menoufia University
Date Attended:
October 2014

Hobbies

  • الرسم و الكرة الطائرة و القراءة و الرحلات
    حصلت انا و فريقى لكرة الطائرة على المركز الأول على مستوى المحافظة للمدارس الثانوية على التوالى للعامين 2009 و 2010