Microsoft Package
Bassem Ibrahiem Moustafa
Credit Analyst
Summary
Experienced banker with a demonstrated history of working in the banking field Credit & sales. Highly Motivated and detail-oriented financial professional seeking a position. Offering a strong understanding of financial trends and credit strategies, Modeling, Spreading, negotiation, excellent analytical skills, and ability to assess creditworthiness. Committed to helping businesses make sound financial decisions by providing accurate risk assessment and credit management expertise.
Overview
9
9
years of professional experience
11
11
Certifications
2
2
Languages
Work History
Credit Analyst
Banque Misr
08.2020 - Current
- Preparation of Credit Proposal Memos "CPMs" & perform spreading and financial analysis for the client's financial statements
- Prepare Credit Proposal Memos "CPMs" that present the proposed facility package and the associated Terms & Conditions
- Revise the credit Memos & related documents according to the bank's credit policies
- Assist in the preparation of scientific projection, in order to monitor ability of payment of medium/long term exposure and tenor
- Follow up and closely monitor accounts on a regular basis to ensure that approved limits abide to terms and conditions
- Properly transfer the audited financial statements into the standard format (spreads) to derive the relevant ratios analyzing each single account
- Study the notes to the audited financial statements that should affect the referenced analysis.
Sales Officer
Banque Misr
06.2019 - 07.2020
- Classify customers to identify and target the appropriate sales opportunities
- Classify and Analyze products according to customers' needs in addition to choosing the most appropriate sales method for each one
- Responsible for completing the sales process either by fulfilling the minimum documents required or by directing the customer to a specific branch within the region
- Complete and update all the necessary documents to complete banking service or sales process and follow up with the branch to ensure procedures completion
- Participated in regional sales meetings, sharing insights with colleagues and fostering teamwork across departments.
- Enhanced customer satisfaction with timely follow-ups and personalized service.
Microfinance Supervisor
Banque Misr
10.2018 - 05.2019
- Implement training program (theoretical - field) for workers in the new branches in which products will be applied
- Take a Random sample from customers to make field visit to ensure the quality provided product
- Disseminate, promote and Market Micro-products
- Make field visits for arrears
- Preparing a Result report of the field visit
- Preparing Researches, collect data, information to study benchmark and improve the current products & Creation a new product
- Following up loan defaults and prepares a report on them before the decision to transfer them to legal affairs
Teller
Banque Misr
08.2017 - 08.2018
- Ensure that all transactions are aligned with latest Bank policies and procedures, this includes alignment with compliance and KYC standards set forth by the bank
- Execute a variety of transactions and services which include accepting payments for different types of accounts, cashing checks, checking account balances, transferring funds
- Increased cross-selling opportunities by identifying customer needs and recommending appropriate banking products or services.
- Balanced cash drawers daily, identifying discrepancies and taking corrective actions as needed.
Microfinance Specialist
Banque Misr
04.2015 - 07.2017
- Market and promote Microfinance products by attracting new customers and convince them to use these products
- Interviewing and counseling clients and checking their eligibility
- Make investigation about the customer before visiting them, to know the customer publicity to expect risk may face the customer
- Initial customer evaluation to determine the amount of loan the customer deserve
- Following up loan defaults
Education
Bachelor of Commerce - Accounting
South Valley University
Qina, Egypt05.2012
Skills
Credit Reporting
Financial statement analysis
Credit Scoring
Multitasking
Analytical Thinking
Excellent Communication
Problem-solving abilities
Time Management
Certification
Credit Course “IBI”
Personal Information
- Career Grade: Section Head
- Date of Birth: 1st June,1990
- Marital Status: Married
- Military Status: Served
References
Furnished Upon Request
Software
Modeling system
Outlook
Timeline
Fundamentals of credit “CFI”
05-2021
Credit Analyst
Banque Misr
08.2020 - Current
Sales Officer
Banque Misr
06.2019 - 07.2020
Microfinance Supervisor
Banque Misr
10.2018 - 05.2019
Teller
Banque Misr
08.2017 - 08.2018
Microfinance Specialist
Banque Misr
04.2015 - 07.2017
Bachelor of Commerce - Accounting
South Valley University