Corporate Credit Officer
Bank of Jordan - Syria
مجموع سنوات الخبرة :16 years, 0 أشهر
Tasks;
- Detailed Market Study to produce Data Base about the various Industries.
- Meetings with the Business Firms’ Representatives to introduce the bank, take an idea about the Firms Financial Operations, arrange the suitable type of credit, and decide Pricing Issue.
- Writing a full Credit report which mainly contains;
1. Wide-ranging Economic Analysis.
2. Industry Analysis.
3. General information & Historical review about the customer.
4. Porter’s Five Forces Analysis & S.W.O.T Analysis.
5. Financial Statements Analysis.
6. Financial Ratios Analysis.
7. Financial Forecasting.
8. Financial Modeling.
9. Capital Budgeting & Feasibility Studies.
10. Risk Analysis.
11. Comprehensive Analysis of the Customer’s Account Statement at other banks.
12. Pricing recognition.
13. Recommendation about giving a Credit Line to the Customer or not.
- Follow up Collateral Mortgage, Efficiency of using Credit, and collection of Due Payments.
Achievements;
- Create a Diversified Portfolio Contains 40 Firms.
- Help the Bank to attain Profits.
- Due Payments not exceeding 7% of the Portfolio taking into consideration the Current Conditions of the Syrian Economy.
Skills Gained;
- Know-how to collect unpaid installments.
- Work under Pressure.
- Time Management.
- Very Wide Network of P/R.
Tasks;
- Responsible for the purchasing process for the different Materials.
- Stock management.
- Inventory Pricing.
- Conducting deals and signing Contracts with Suppliers.
- Market research for potential expansion.
- Preparing L/C outline & Follow up L/C opening.
- Reviewing Company Bank Accounts.
- Analyzing offered Insurance Policies.
- Claim against the Insurance Company in case of any damage to the shipped goods.
Leaving Reason;
- Moving to the United Kingdom to start my MSc Finance & Investment Programme.
(10) Modules + Dissertation, (1) Full Year, GPA: 58.3%. Awards; Certificate Awarded for the Best Presentation of Domestic & International Portfolio Management. Core Modules & Projects; 1. Investment Analysis. 2. Security Valuation. 3. Fixed Income & Equity Investments. 4. Corporate Finance.
(45) Modules, (4) Years, GPA: 84.7%, Grade: Merit. Awards; 3rd Best GPA at the Faculty of Business Administration for the students entered in 2002. Internship; 1 Month, at the Arab Bank Head Quarter (Amman – Jordan). Tasks; Teller, Customer Service, Retail Department (Car Loan, Personal Loan, Housing Loan).