Credit Admin (موظف شؤون ائتمانية)
Bank Med / (بنك بحر المتوسط)
Total years of experience :10 years, 7 Months
• Underwrite/review new commercial credit transactions in accordance with the Banks credit policies, and recommend conforming requests to the Loan Committee.
• Review loan documentation for approved commercial credit transactions to ensure terms are consistent with those approved by the Loan Committee.
• Prepare and check the transactions that get approvals for the bank.
• Work with legal and other outside providers to make certain a loan is closed as approved by management, in a timely manner, and that the Banks security interest is properly perfected
• Work with other departments within the Bank to ensure new commercial credit transactions are properly boarded onto the Banks loan servicing system.
• On-going monitoring of existing commercial transaction to ensure compliance with all approved terms, conditions and applicable covenants (financial and reporting, etc.).
• Timely, accurate and effective communication to management of any potential material risks associated with existing commercial credits in the portfolio, including a recommendation for the appropriate course of action if warranted.
• Oversee the preparation of the appropriate reports and forms used to communicate the current states of commercial credits (both performing and non-performing) to management.
• Thorough understanding of the Banks credit policy, which includes making sure that the structure of each commercial credit transaction (at the time of underwriting, and on an on-going basis) is in conformity with policy, and / or policy exceptions are noted and reported as required by policy.
• ensure registration of collateral (mortgage) complied with regulatory and bank’s policy, safely keep all legal documents under dual control system, monitor expiry date of collateral/guarantee
• Make certain that the underlying value of all collateral is current and reliable, particular for commercial credits determined to be a special mention or substandard.
• Assist management in the calculation of reserves associated with the commercial loan portfolio.
• Responsible to ensure that working loan files are current (all necessary information is present), organized (in the format required by policy), and in a presentable manner at all times.
• Responsible for contacting commercial borrowers in order to obtain necessary information.
• Responsible for contacting commercial borrowers if a payment becomes delinquent.
• Successfully be able to restructure or liquidate special mention and/or substandard commercial credits w/in an acceptable time period.
• Assist managements with other responsibilities as needed.
• Processes incoming invoices and vouchers, process payment and ensures that these are properly coded and approved.
• Prepare and compares daily cash count and monthly cash transaction journal (CTJ) on daily basis against cash on hand and cash in bank and make sure they are reconciled.
• Ensuring that rents and charges are calculated and recorded correctly.
• Reviews coding on all vouchers for valid accounts/cost center/donor combinations etc.
• Ensure there is proper supporting documentation for all payment.
• Prepare monthly cash on hand reconciliation statements, liaising with the banks as required.
• Assists finance manager in the preparation of monthly financial report.
• Preparing monthly salaries for staffs in offices & camps and drivers.
• Performs daily cash count and matches same with cash transaction journal (CTJ).
• Filing the documentation as prescribed in IMC policy.
• Submit daily cash count report at the end of the day for onward submission to IMC split office.
• Prepare financial year end schedules, including debtors and creditors, and ensure all accounting requirements, up to and including trial balance, are complete.
• Welcomes customers by greeting them; offering them assistance.
• Directs customers by escorting them to racks and counters; suggesting items.
• Advises customers by providing information on products.
• Helps customer make selections by building customer confidence; offering suggestions and opinions.
• Documents sale by creating or updating customer profile records.
• Processes payments by totaling purchases; processing checks, cash, and store or other credit cards.
• Keeps clientele informed by notifying them of preferred customer sales and future merchandise of potential interest.
• Contributes to team effort by accomplishing related results as needed.
college graduates
high school graduated