Ahmed Zaki

• Enhanced team productivity by implementing efficient workflow processes and optimizing resource allocation.
• Conducted team member meetings and updated members on best practices and continuing expectations.
• Championed a culture of continuous learning, fostering an environment conducive to professional growth and development.

Financial Analysis: Comprehensively examines the financial statements of SMEs, including income statements, balance sheets, and cash flow statements.

Ratio Analysis: Calculates key financial ratios to assess the profitability, liquidity, solvency, and efficiency of SMEs.

Credit Review: Review the credit history of SMEs, including past payment records and any outstanding debts.

• Industry Analysis: Evaluates the SME industry and market conditions.

Identifies potential risks or opportunities. Completeness: Ensures that loan applications are complete and contain

all necessary documentation. Verification: Verifies the accuracy of the information provided by the SME.

Risk Assessment: Assesses the overall credit risk associated with the loan.

Application. Terms and Conditions: Negotiates the terms and conditions of the loan, including interest rates, repayment schedules, and collateral requirements.

Sewell: Determines appropriate operational security measures to protect the bank’s interests in the sponsorship. Recommendation: Matt’s recommendations to loan committees.

There is nothing to prevent you from approving or rejecting loan applications. Documentation: Documentation of approval or denial

Post-approval: Monitoring the performance of approved loans to ensure compliance with loan terms and conditions.

Severe Warning Signs: Identifying severe warning signs of potential problems such as deteriorating contact lens performance or payment measurement.

Collection Efforts: Assisting in collection efforts for delinquents

Compliance: Ensuring that off-credit loans comply with credit law and regulatory requirements

Query Resolution: Arewering customers questions about bank products,

services, and transactions.

Account Management: Aasting customers with account inquiries. changes, and updates.

Product Guidance: Helping customers select the most suitable products based on their needs and financial goals.

Transfers: Facétaling fund transfers between accounts or to external institutions.

Payments: Accepting bill payments and other financial obligations. Listening ocfively: Patiently heanng customers concerns and complaints.

Problem-Solving: Identifying solutions to address customer issues

effectively.

Escalation: Referring complex or unresolved problems to higher level nepreventatives or departments.

Promoting Products: Introducing customers to additional bank products or services that could berelt thern

Personalized Recommendations: Suggesting products tailored to

Individual customer needs.

Building Trust: Establishing ropport and trust with customers through frendly and helpful interactions.

Customer Satisfaction: Striving to exceed customer expectations and ensure their overall satisfaction.

Knowledge Base: Keeping up to date with bank policies, procedures. and product offerings

Regulatory Compliance: Adhering to relevant banking regulations and complance standards.

Grant Loans: Secured and Non-Secured Loans.

Review the contract concluded between the company and the client, review the payment terms, guarantees and any other terms, and save the contract in the files.

Follow up on opening the insurance file and paying the insurance percentage for the contract.

Record the contract value with the assistants and customer reports as a guideline.

Issue an internal memo to the bank accountant to issue letters of guarantee related to the payment terms if the contract stipulates that.

Review the extracts issued by the project management and the percentages to complete the contract accounts

Review the contract concluded between the company and the client, review the payment terms, guarantees and any other terms, and save the contract in the files.

Follow up on opening the insurance file and paying the insurance percentage for the contract.

Record the contract value with the assistants and customer reports as a guideline.

Issue an internal memo to the bank accountant to issue letters of guarantee related to the payment terms if the contract stipulates that.

Review the extracts issued by the project management and the percentages to complete the contract accounts