MOHAMED AL-AZAB

Works as a Credit and Collection Manager in (SMG) Engineering Automotive Co, (Agents: Porsche, Harley Davidson, Scania, Center Service Equipment’s & more than76 Spare Part Agents- Wholesale & Retail) my accomplished are:
• Polices & Planning: Ensure smooth running of the credit disbursement process, including the participation and contribution towards setting up appropriates credit plan, policies and procedures with respect to each business units.
 Opening and managing customer credit files for each transaction to ensure consistency in application of credit assessments.
 Periodic review of Co’s portfolio in line with the requirements of the credit policies and procedures.
• Credit risk: Within own limit authority, analyze credits vetting procedure and maintain credit risks.
 Develop and corporate risk Management strategy and risk appetite framework in line with company goals and objectives.
 Review of creditworthiness and risks associated with potential business transactions with appropriate tools and models, with a view to providing mitigates to identified risks for Credit facilities.
 Establish the level of risk the company is willing to take through the risk appetite and risk tolerance limits.
 periodic review the risk management strategy and risk appetite framework to make recommendations for changes or amendments on various operations (i.e., credit limits, products, levels of exposure etc.) by auditing to Credit Utilization.
 Work closely with Business development and the risk teams throughout the credit risk assessment process lifecycle providing constructive feedback and recommendations on facility structures.
 Audit the analysis the Doubtful Accounting.
 Controlled the Returns CK's with our sales director, from our clients & take appropriated actions.
 Checking customer’s credit ratings with reputable in the market.
 Negotiating re-payment plans.
 Develop management reports for the Board, audit risk and committee.
• Collection: Follow up closely with the sales Director on all collections (Credit- Cash) and ensure recovery rate is maintained within defined credit/cash KPIs.
 Oversees clients’ accounts (Receivables - Cash).
 Track and manage the company’s AR aging by communicate collection metrics and provide periodic reports.
 Monitor of Forty-one branches & correct any Deviations.
 Audit and manage the analysis all of DSO (day’s sales outstanding) to acceptable levels.
• Order release: Ensure and compliance with the company that all customer orders are released in a prompt and timely manner without exceeding credit limits defined.
• Credit and Cash Monitoring and Reporting.
• Work with clients (i.e., client services, revenue verification, sales) to negotiate and resolve disputes.
(By The Kerridge and Oracle System)

Worked as an Assistant Credit Manager in (SMG)Engineering Automotive Co.:
• Inquiry clients account (Receivable).
• Observation of eleven branches.
• Analysis the Out Standing invoices.
• Analysis the Unused Credit Limits.
• Analysis the Doubtful Accounting.
• Pursuit if we have Returns CK's with Banking Department, from our clients.
• Reporting every week a stand of the L/G for Scania sector.

(By The Kerridge System)

Worked as a Sales Manager in Baraka Rattan Furniture, my duties are:
• Deal with clients which are Foreign & Local.
• Organize and arrange all fairs for the Gallery in & out Cairo.
• Support and advice the owner in decisions which related to target of sales.
• Coordinating the work between the client and the sales team.
• Measure market indicators.