Credit Analyst
Banque Misr
مجموع سنوات الخبرة :8 years, 2 أشهر
-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.
Handling customers, and serving them concerning the different bank products efficiently
Serving customers on all banking products, handling them and showing bank in a good image
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 %