Assem Ahmed
Credit Analyst
84 El-Bostan St. Sheikh Zayed Giza,GZ
Summary
Credit Analyst with extensive experience, specializing in credit risk assessment and financial statement analysis. Proven ability to enhance customer satisfaction through effective relationship management and problem-solving skills. Skilled in loan documentation and cash flow analysis, consistently achieving high levels of compliance and operational efficiency.
Overview
9
9
years of professional experience
2
2
Languages
Work History
Credit Analyst
National Bank Of Egypt
12.2022 - Current
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
- Gathered loan documentation for underwriting.
- Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
- Negotiated payment plans and loan terms with delinquent customers.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
Customer Service Representative
National Bank Of Egypt
07.2020 - 12.2022
- Resolved customer complaints with empathy, resulting in increased loyalty and repeat business.
- Managed high-stress situations effectively, maintaining professionalism under pressure while resolving disputes or conflicts.
- Enhanced customer satisfaction by promptly addressing concerns and providing accurate information.
- Responded to customer requests for products, services, and company information.
- Developed strong product knowledge to provide informed recommendations based on individual customer needs.
- Maintained detailed records of customer interactions, ensuring proper follow-up and resolution of issues.
- Contributed to sales growth by upselling products and services based on individual customer requirements.
- Provided coaching and mentoring to new hires, contributing to their successful integration into the team.
- Customized support strategies for high-priority clients to ensure their specific needs were met.
- Collaborated with team members to develop best practices for consistent customer service delivery.
Operations Specialist
National Bank Of Egypt
02.2020 - 07.2020
- Managed complex trade finance portfolios, achieving high levels of customer retention and satisfaction.
- Enhanced customer satisfaction through the timely management of trade finance transactions and addressing client concerns proactively.
- Conducted regular reviews of existing policies and procedures to identify areas for improvement or enhancement in line with industry standards.
- Managed cross-functional teams for the successful completion of projects within budget and timeline constraints.
- Collected, arranged, and input information into database system.
Call Center Representative
Vodafone UK
07.2016 - 06.2017
- Handled escalated calls professionally, effectively resolving complex issues and ensuring client satisfaction at all times.
- Managed high call volumes while providing exceptional customer support and maintaining professional composure.
- Enhanced customer satisfaction by efficiently addressing and resolving inquiries in a timely manner.
- Reduced average call handling time, ensuring prompt service to customers while maintaining quality interactions.
- Provided personalized assistance to clients, fostering strong relationships and promoting brand loyalty.
Education
Diploma - Credit Course
Egyptian Banking Institute And New York Institute
Giza, Egypt 04.2001 -
Bachelor of Accounting - Accounting And Finance
Misr University For Science And Technology
Giza, Egypt 04.2001 -
High School Diploma -
Millennium Language School
Giza, Egypt 04.2001 -
Skills
Credit reporting
Credit analysis
Microsoft Excel proficiency
Relationship management
Financial statement analysis
Loan documentation
Cash flow analysis
High risk account reviews
Portfolio management
Loan evaluation
Problem-solving
Active listening
Timeline
Credit Analyst
National Bank Of Egypt
12.2022 - Current
Customer Service Representative
National Bank Of Egypt
07.2020 - 12.2022
Operations Specialist
National Bank Of Egypt
02.2020 - 07.2020
Call Center Representative
Vodafone UK
07.2016 - 06.2017
Diploma - Credit Course
Egyptian Banking Institute And New York Institute
04.2001 -
Bachelor of Accounting - Accounting And Finance
Misr University For Science And Technology
04.2001 -
High School Diploma -
Millennium Language School
04.2001 -