Senior Credit risk Analyst and debt collection
Saleh Al Hamad Al Mana Co.
مجموع سنوات الخبرة :20 years, 4 أشهر
Company : SALEH AL HAMAD AL MANA CO. (Qatar) : ( From Jan 2018 Till Dec2019 )
Exclusive Agent of Nissan, Infiniti and Renault in Qatar
Location: Doha-Qatar
Credit Management Duties:
• Responsible as a Credit Risk analyst for the vehicle and Spare parts for Corporate and individuals.
• Receiving of new credit deals - new and existing customers to evaluate credit request
• Analysis the financial statement of the companies with calculating the financial ratios.
• Analysis the bank statement of the companies and individuals deals.
• Analysis the credit bureau reports of the companies and individuals.
• Giving my recommendation regarding the deals by Comparison the customer status, the company criteria, central bank provisions and IFRS Impairments.
• Process required approvals by conducting financial analysis, credit bureau report reviews and credit criterions by preparing the full credit risk analysis report.
• Deciding the pre-approvals for the credit Deals by giving my recommendation for the deals after preparing the credit analysis for the deals.
• Prepares all documents required for account inquiry, legal reviews & site visit for the companies activities for all credit applications.
• Conduct site visit to all companies that has credit application to secure and verify authenticity of their submitted company data.
• Receives invoices and down payment to process the contracts- includes the preparation, printing, signing and checking of all documents necessary for the credit deals to be processed.
• Conduct necessary checking and revisions of required guarantee terms for each credit approval - PDC, Guarantee Cheques, Declaration & other documents.
• Prepares vehicle registration requests and approval upon completion of all credit terms and then receives confirmation of delivery note, Vehicle license & insurance copies for checking and filing.
• Final revision to confirm if all documents are complete then handover all cheques to Accounts Department upon completion of all credit deal.
Debt Collection Duties:
• Responsible for chasing outstanding debts from customers and meeting collection targets in order to maintain positive cash flow.
• Allocate receipts to invoices and credit notes so that customer balances show the correct debt due to ensure that debtor information is accurate.
• Follow up customers with returned cheques, schedules appointments and settled respective account liabilities - through email correspondence, phone calls, SMS and personal meetings.
• Ensure that monthly collection targets are met to maintain revenue level for the company.
• Loads return cheques and personal data of customer accounts in the system - Kerridge, database and manual system implemented by the department.
• Collects bank notes of returned cheques, encode, update and maintain customer’s account information upon cheque collection - both collected and returned cheques.
• Prepares documentations required for account escalations, police complains and other documents required for communication.
• Prepares all legal complaint documents against customers that have unsettled debt.
• Identify slow moving accounts noting key details on the Credit Control system so that delinquent debts are escalated for case management.
• To deal with and manage correspondence from customers to ensure that service levels are maintained within the target allowed.
• Prepare various reports for analysis - daily, weekly, monthly and/or as directed by the manager.
• Record and Update customer file in MS Access, filing of completed credit deals and tracking of progress for each credit deal.
• Supports operations by supervising staff; planning, organizing, and implementing administrative systems.
• Responsible for guiding, supporting and supervising the ‘Business/Operation Support Coordinators’ for the ‘Sales & Wealth Management’ as their 'Team Leader'. Skilled in; \[Operational Risk, Retail Credit Risk, Mortgage/Assets (Home Finance/Islamic commodities), Conducting training sessions and Call center\].
• One of the Focal Points Of Contact for the ‘’Sales & Wealth Management’’, In charge of doing follow up on all of the business cases that are submitted to any other departments (Central Operations Unit, Retail Credit Risk, Islamic Finance Operation, E-Channel or Call Center) and also responsible for raising part of the exceptional approvals to the Head of Personal Banking Risk.
• Conducting training sessions for the new joiners (Relationship Managers, Senior Officers and Personal Banking Officers) for the ‘’Sales & Wealth Management’’.
• Handle customer inquiries, requests and complaints regarding all types of Bank Service ( E-Banking , Cards, Accounts, money transfer, Finance ... etc. ) using a very high knowledge of Bank products and system
• Taking all actions required to serve the customers
• Demonstrate strong product knowledge, Able to quickly identify customer needs and make appropriate decisions; Show a high level of professionalism in handling customer’s complaints, Flexible to troubleshoot potential challenges with new and existing services.
• prepare The estimated budget, cost accounting and monthly closing reports, compile and analysis financial information to prepare entries to accounts, establish, maintain, and coordinate the implementation of accounting and accounting control procedures, analysis and review budget and expenditures, monitor and review the accounting cycle and related system reports for accuracy and completeness, prepare and review expense, payroll entries, invoices and other accounting documents,
• Follow up the external contracts and services provided by suppliers to ensure that they work effectively and provide the best value to the company
• Preparing the general budget of the company
• Auditing the entries, treasury, the revenues, suppliers invoices, the offers, bank accounts, the taxes, the current accounts between the branches, Payrolls , preparing monthly analyses of the balance sheet, and auditing the final accounts .
Company : Flash Tour ( Egypt) : (5 Years ) ( From Jan 2009 To Dec 2013 )
• Accounting Manager From Jan 2011 To Dec 2013
• Financial Auditor From Jan 2009 To Dec 2010
Location : Luxor & Aswan - Egypt
• prepare The estimated budget, cost accounting and monthly closing reports, compile and analysis financial information to prepare entries to accounts, establish, maintain, and coordinate the implementation of accounting and accounting control procedures, analysis and review budget and expenditures, monitor and review the accounting cycle and related system reports for accuracy and completeness, prepare and review expense, payroll entries, invoices and other accounting documents,
• Follow up the external contracts and services provided by suppliers to ensure that they work effectively and provide the best value to the company
• Preparing the general budget of the company
• Auditing the entries, treasury, the revenues, suppliers invoices, the offers, bank accounts, the taxes, the current accounts between the branches, Payrolls , preparing monthly analyses of the balance sheet, and auditing the final accounts .
Company : Wings Tours (Egypt ): (5 years) ( From Feb 2004 To Dec 2008 )
• Chief Accountant From Nov 2006 to Dec 2008
• Senior Accountant From Nov 2005 to Oct 2006
• Accountant From Feb 2004 to Oct 2005
Location : Luxor & Aswan - Egypt
• Auditing of all accounting concerning with the hotel reservation, transportation, aviation, excursions, tour guides, tour leaders, vendors, taxes and payroll
• Making the monthly P&L reports of the branch and sending it to the financial controller
• Making the cost of the trips for the tourist boats of the company, auditing the vendor accounts, the P&L of every trip .and prepared company payroll
CMA Certified
Highest University degree: