Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Work Availability
Quote
Timeline
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Ahmed Hussien

Ahmed Hussien

Credit Analyst
BANHA,QALYOUBIA

Summary

Credit Analyst More than nine years of experience in the banking industry. Involved in product testing, management, and rollout in the direct telemarketing channel of the new products. Seeking to utilize interpersonal skills, excellent time management and critical thinking skills gained years of banking experience. Offering more than four years of resolving credit disputes and making recommendations on bad debt accounts. Accomplished Bilingual Credit Analyst promoting developing skills in customer service, account oversight, collections, and creating credit risk models.

Overview

12
12
years of professional experience
2
2
Languages
4
4
years of post-secondary education
18
18

Certifications

Work History

Credit Analyst

Banque Misr
11.2019 - Current
  • Conducting comprehensive analysis of customer financials, utilizing data-driven insights to evaluate credit risk and to make informed decisions on extending credit
  • Directing a cross-functional processes in analyzing credit data and market trends, resulting in an increase in approved credit lines and a decrease in credit risk exposure
  • Working in tandem with sales team and customers to negotiate payments and verify account reconciliations
  • Executing financial review of customer lines of credit by assessing company financials and initiating credit application reviews
  • Giving presentations to upper management and executive teams for loan recommendations
  • Analyzing and monitored portfolio credit performance against expectations and recommended improvement strategies.

Retail sales representative

Banque Misr
10.2018 - 11.2019
  • Increased sales by offering advice on purchases and promoting additional products
  • Helped customers manage large purchases by collecting items from shelves and storage locations
  • Used consultative sales techniques to understand customer needs and recommend relevant products and services
  • Offered each customer top-notch, personal service to boost sales and customer satisfaction
  • Remained informed and updated on current promotions and sales, security protocols, exchange policies and payment policies.

Customer service specialist

Banque Misr
04.2016 - 09.2018
  • Provided primary customer support to internal and external customers
  • Developed customer service improvement initiatives to decrease customer wait times
  • Achieved high satisfaction rating through proactive one-call resolutions of customer issues
  • Reinforced established quality control standards and followed procedures for optimal customer interactions
  • Complied with company policies and procedures by encouraging positive and effective work environment among employees
  • Addressed customer complaints and mitigated dissatisfaction by employing timely and on-point solutions.

Customer Service Agent

Banque Misr
09.2014 - 04.2016
  • Evaluated customer information to explore issues, develop potential solutions, and maintain high-quality service
  • Educated clients on account services and resolved client inquiries regarding statement information and account balances
  • Communicated with clients regarding account services, statements, and balances
  • Helped large volume of customers every day with positive attitude and focus on customer satisfaction
  • Addressed customer account discrepancies and concerns
  • Demonstrated high attention to detail, organization and management of multiple tasks and projects simultaneously
  • Tax Officer
  • Egyptian IRS, , Central administration of Qalyoubia.

Tax Officer

Egyptian IRS, Sales Tax Department
Central administration of Qalyoubia
10.2012 - 09.2014
  • Conducted targeted tax research to facilitate informed project planning and compliance efforts
  • Monitored legislative and regulatory arenas for relevant tax issues and updated management to facilitate informed decisions
  • Communicated with external customers and taxing jurisdictions to clarify tax notices and resolve other inquiries
  • Maintained database of Egyptian tax laws and regulations to promote uniform policy and procedural compliance
  • Assisted general tax evasion managers in planning and execution of short-term and longer-term goals and objectives
  • Retail Officer.

BNP Paribas Bank Egypt
06.2012 - 10.2012
  • Exceeded sales goals and accomplished business objectives by inspiring staff and promoting target products
  • Trained team members in successful strategies to meet operational and sales targets
  • Coached sales associates in product specifications, sales incentives, and selling techniques, significantly increasing customer satisfaction ratings
  • Offered hands-on assistance to customers, assessing needs, and maintaining current knowledge of consumer preferences
  • Facilitated high volumes of cash, credit, and gift card transactions, verifying cash drawer balance at end of each shift.

Managerial Accounting Instructor

My Academy, private educational institute
09.2011 - 06.2012

▪ Gained strong leadership skills by managing projects from start to finish.
▪ Demonstrated strong organizational and time management skills while managing multiple projects.
▪ Excellent communication skills, both verbal and written.
▪ Tracked student progress, frequently checking in with struggling students and identifying root causes of problems.
▪ Applied various teaching aids to minimize learning gaps and instruct and motivate students.
▪ Evaluated and revised lesson plans and course content to achieve student-centered learning.
▪ Demonstrated respect, friendliness and willingness to help wherever needed.

Education

Certified Management Accountant Course" CMA" - Financial Planning, Performance, And Contro

The American University in Cairo, School of Contin
01.2011 - 05.2011

Faculty of Commerce, English Section - Bachelor of Accounting

Benha University
09.2007 - 07.2011

Skills

  • Management Skills
  • Technical Skills
  • Conflict management and risk management skills
  • Planning and organizing skills
  • Customer Service Skills
  • Relationship development, problem solving
  • Analytical Skills
  • Logical reasoning
  • Data collection , reports analysis
  • Forecasting skills
  • Microsoft Office Skills
  • Creating and formatting documents
  • Data presentation and visualization
  • Executing formulas
  • Task delegations and assignments on outlook
  • Oracle system: Flex Cube Universal Banking System” FCUBS,” loan organization, SME/ Micro automation system, and Info view
  • Reporting system
  • Communication Skills
  • Non-technical Skills
  • Negotiation and active listening skills
  • Public speaking and presentation skills
  • Emotional intelligence Cultural intelligence Growth mindset Persistence Adaptability Curiosity
  • Willingness to learn Problem-solving Critical thinking Reliability Teamwork Decision-making

Accomplishments

  • Achieved one of the most productive rates by completing the required targets with accuracy and efficiency
  • Collaborated with numbers of teams in the development of new sales plans to meet the annual commitments
  • Used Microsoft Excel to develop performance tracking spreadsheets
  • Resolved product issues through customer testing.

Certification

  • The Role of Financial Inclusion in Economic Development Egyptian Banking Institute, Central Bank of Egypt, 08-2023.
  • Irregular Debt Management, Egyptian Banking Institute, Central Bank of Egypt , 08-2023.
  • Counterfeit and Forgery Detection in Official Documents, The Arab Academy for Management Banking and Financial Sciences , 08-2023.
  • Digital Transformation Strategic Certification, WellGrow Training Center , 07-2023.
  • Professional Training of Trainers ( TOT), Egyptian Banking Institute, Central Bank of Egypt , 03-2023.
  • Presentation Skills, Goldmines Training Center , 08-2021.
  • SME Digital Loans Updates, Banque Misr Training Department , 06-2021.
  • Effective Customer Care, Vodafone , 01-2021.
  • Agile and Digital Mindset, Vodafone , 01-2021.
  • Hunter and Telemarketing, Sales Experts House , 01-2021.
  • Digital Small Business Loans, Banque Misr Training Department, 12-2020.
  • Credit Course, Egyptian Banking Institute, Central Bank of Egypt , 11-2019.
  • Effective Communications, Banque Misr Training Department, 04-2019.
  • Adapting to Change, Banque Misr Training Department, 01-2019.
  • Sales Skills, Banque Misr Training Department , 02-2018.
  • Customer Service Programs, Banque Misr Training Department , 01-2018.
  • Letters of guarantee (LGs) and Letters of credit (LCs), Banque Misr Training Department , 03-2017.
  • Money Laundering, Banque Misr Training Department , 12-2016.

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote

The way to get started is to quit talking and begin doing.
Walt Disney

Timeline

Credit Analyst

Banque Misr
11.2019 - Current

Retail sales representative

Banque Misr
10.2018 - 11.2019

Customer service specialist

Banque Misr
04.2016 - 09.2018

Customer Service Agent

Banque Misr
09.2014 - 04.2016

Tax Officer

Egyptian IRS, Sales Tax Department
10.2012 - 09.2014

BNP Paribas Bank Egypt
06.2012 - 10.2012

Managerial Accounting Instructor

My Academy, private educational institute
09.2011 - 06.2012

Certified Management Accountant Course" CMA" - Financial Planning, Performance, And Contro

The American University in Cairo, School of Contin
01.2011 - 05.2011

Faculty of Commerce, English Section - Bachelor of Accounting

Benha University
09.2007 - 07.2011
Ahmed HussienCredit Analyst