Ahmed Fathy Galal
Credit Analyst
El Shorouk City,Cairo
Summary
Forward-thinking Credit Analyst with customer correspondence and credit analysis expertise. Offering more than five years of resolving credit disputes and making recommendations on bad debt accounts. Credit Analyst knowledgeable in conducting background checks and developing methodologies to predict future risk behaviors. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures.
Overview
9
9
years of professional experience
Work History
Credit Analyst
Banque Misr
SME's Canal Hub - Port Said
09.2022 - Current
- Enhanced customer relationships through effective communication of complex financial information, contributing to loyalty and retention.
- Supported the sales team in negotiating favorable terms, balancing business growth and credit risks effectively.
- Made decisions and recommendations about extending lines of credit.
- Improved understanding of financial statements, which helped in assessing risk.
- Gathered loan documentation for underwriting.
- Performed credit reviews on corporations to assess financial conditions.
- Participated in loan committee meetings to provide input on lending processes.
Credit Risk Analyst
Banque Misr
Port Said Hub
10.2019 - 09.2022
- Identified potential risks by analyzing trends in industry-specific data and market fluctuations.
- Participated in due diligence activities during mergers or acquisitions, assessing potential target companies'' credit portfolios for integration compatibility.
- Conducted presentations to upper management and executive teams for loan recommendations.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Negotiated payment plans and loan terms with delinquent customers.
- Reduced credit risk by implementing comprehensive risk assessment strategies.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
Credit Investigator
Mid Bank
Port Said Branch
09.2018 - 10.2019
- Supported continuous improvement initiatives through ongoing evaluation of current policies and procedures related to the credit investigation process.
- Negotiated payment plans and loan terms with delinquent customers.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Developed customized investigative approaches for unique or complex cases, resulting in more accurate risk assessments.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
Customer Service Representative
Mid Bank
Port Said Branch
05.2018 - 09.2018
- Bolstered customer retention by creating and offering unique discount options and inspiring interest in new product lines.
- Managed high-stress situations effectively, maintaining professionalism under pressure while resolving disputes or conflicts.
- Developed and updated databases to handle customer data.
- Resolved customer complaints with empathy, resulting in increased loyalty and repeat business.
- Provided primary customer support to internal and external customers.
- Delivered exceptional customer service to every customer by leveraging extensive knowledge of products and services and creating welcoming, positive experiences.
- Increased efficiency and performance by monitoring team member productivity and providing feedback.
Accountant
Elrayess Office For Accounting And Taxes
Port Said
12.2017 - 04.2018
- Gathered financial information, prepared documents, and closed books.
- Improved financial reporting accuracy through meticulous data analysis and reconciliation efforts.
Trainee at SAIB
SAIB Port Said Branch
Port Said
07.2016 - 08.2016
Trainee at SAIB
SAIB Port Said Branch
Port Said
06.2015 - 07.2015
Education
Anti-Money Laundering
BM Academy
09.2023 - 09.2023
Course in Trade-Based Money Laundering
BM Academy
Online 09.2023 - 09.2023
International Embargo And Sanctions Systems
BM Academy
Online 09.2023 - 09.2023
Operational Risk Management
BM Academy
Online 08.2023 - 08.2023
FATCA
BM Academy
Online 08.2023 - 08.2023
Fraud Risk Management
BM Academy
Online 08.2023 - 08.2023
Financial Inclusion Course in Economic Development
Egyptian Banking Institute
Online 08.2023 - 08.2023
Sustainability
Egyptian Banking Institute
Online 09.2023 - 09.2023
Stress Management
Almentor
Online 02.2023 - 02.2023
10 Best-Practice Techniques For Customer Service
Almentor
Online 02.2023 - 02.2023
Simplified Guide To Company Law
Almentor
Online 01.2023 - 01.2023
Customer Service Excellence
Almentor
Online 01.2023 - 01.2023
Creative Thinking At The Workplace
Almentor
Online 11.2022 - 11.2022
Innovation And Creative Thinking Tools
Almentor
Online 11.2022 - 11.2022
Mini Credit Course -
Egyptian Banking Institute
Online 01.2021 - 06.2021
Bachelor of Accounting - Accounting
Faculty of English Commerce
Port Said University 04.2001 -
Skills
Debt structuring
Collections Management
Credit Reporting
Information Verification
Professional Demeanor
Relationship Building
Analytical Skills
Attention to Detail
Financial statement analysis
Multitasking Abilities
Microsoft Word
Financial statement review
Credit decisions
Credit decisions
Problem-solving abilities
Problem-Solving
Report Preparation
Cash Flow analysis
Data Analysis
Portfolio Management
Relationship Management
Credit analysis
Verbal and written communication
High risk account reviews
Timeline
Anti-Money Laundering
BM Academy
09.2023 - 09.2023
Course in Trade-Based Money Laundering
BM Academy
09.2023 - 09.2023
International Embargo And Sanctions Systems
BM Academy
09.2023 - 09.2023
Sustainability
Egyptian Banking Institute
09.2023 - 09.2023
Operational Risk Management
BM Academy
08.2023 - 08.2023
FATCA
BM Academy
08.2023 - 08.2023
Fraud Risk Management
BM Academy
08.2023 - 08.2023
Financial Inclusion Course in Economic Development
Egyptian Banking Institute
08.2023 - 08.2023
Stress Management
Almentor
02.2023 - 02.2023
10 Best-Practice Techniques For Customer Service
Almentor
02.2023 - 02.2023
Simplified Guide To Company Law
Almentor
01.2023 - 01.2023
Customer Service Excellence
Almentor
01.2023 - 01.2023
Creative Thinking At The Workplace
Almentor
11.2022 - 11.2022
Innovation And Creative Thinking Tools
Almentor
11.2022 - 11.2022
Credit Analyst
Banque Misr
09.2022 - Current
Mini Credit Course -
Egyptian Banking Institute
01.2021 - 06.2021
Credit Risk Analyst
Banque Misr
10.2019 - 09.2022
Credit Investigator
Mid Bank
09.2018 - 10.2019
Customer Service Representative
Mid Bank
05.2018 - 09.2018
Accountant
Elrayess Office For Accounting And Taxes
12.2017 - 04.2018
Trainee at SAIB
SAIB Port Said Branch
07.2016 - 08.2016
Trainee at SAIB
SAIB Port Said Branch
06.2015 - 07.2015
Bachelor of Accounting - Accounting
Faculty of English Commerce
04.2001 -