Karim Dorgham
Senior SMEs Credit Analyst
Cairo,EGYPT
Summary
Dedicated Senior Credit Analyst with an acceptable background in reviewing client documents , data to prepare and develop the credit files and facilities,to determine the level of risk involved and making recommendations . Offering a successful career history comprising almost 10 years in Banking sector
Overview
9
9
years of professional experience
6
6
years of post-secondary education
6
6
Certifications
Work History
Senior SMEs Credit Analyst
QNB
03.2019 - Current
- Prepare and develop complex credit memos and executive summary.
- Proved successful working within tight deadlines and fast-paced atmosphere.
- Receive from concerned branches, client credit facilities requests.
- Review client documents received from concerned branches such as the legal documents, balance sheets, income statements, call and investigation reports and accounts' statistics etc..., when preparing the CPM.
- Analyze credit data and financial statements to determine the degree of risk involved in extending credit.
- Compare relevant financial indicators liquidity, profitability, and credit histories of establishments being
- Analyze all relevant information and data to structure the file and the facilities.
- Evaluate customer records and recommend facility based on customer activity & with regard to different economic, financial & industry conditions.
- Confirm the fulfillment of all facilities securities and supported documents in coordination with branch corporate finance during CPM preparation.
- Offered insight to upper management regarding credit decisions.
- Handle internal communications with Risk Assessment, Network Division ...etc. to meet clients' inquiries.
- Ensure the correct functioning and implementation of the Permanent Supervision, Compliance and Money Laundering, Operational Risk, and Workplace Success Guidelines whenever and wherever possible.
- Ensure the correct adoption of policies and procedures in order to guarantee that the bank business is conducted in compliance with Local Laws, Internal Rules and Regulations, as well as, International Standards.
Teller
QNB
05.2015 - 03.2019
- Assist customers with their everyday banking needs through the counter including withdrawals, deposits, transfers, currency exchange, etc...
- Accept and processes cash deposits to opened accounts (current, saving, checking, overdraft, GL).Prove cash entirely.
- Cash checks and payment orders within established limits and reserves (withdrawals, coupons, expense redemption).
- Exchange foreign currencies according to the established dealer rates. Proves the authenticity of currencies entirely.
- Count, prove authenticity, and package currency and coins.
- Balance cash and prepare daily and final currency position.
- Receive and record customer orders. Prepare transaction documents, verify customer signatures, check balance, place holds on funds as required, check endorsements and validity, apply charges, process accounting entries, post transactions, and issue advices & copies of payments as required.
- Manage Customer Queue & waiting time to achieve efficient performance
Education
Good - Accounting (English)
Faculty of Commerce
Alexandria University 10.2009 - 06.2013
Very Good - Scientific (Mathematics)
Al-Abasia Secondary Military School
09.2006 - 06.2009
Skills
Organization and prioritization skills
Clear and effective communication
Dependable and Responsible
MS Office
Excellent Communication
Active listener
Attention to Detail
Certification
Credit Course (Moodys Analytics) [6 Months]
Languages
English
Advanced (C1)
German
Beginner (A1)
Timeline
Senior SMEs Credit Analyst
QNB
03.2019 - Current
Credit Course (Moodys Analytics) [6 Months]
03-2019
Business Writing
01-2019
Communication Skills
01-2019
Presentation skills
07-2017
Selling Skills
11-2016
Teller
QNB
05.2015 - 03.2019
ICDL
07-2011
Good - Accounting (English)
Faculty of Commerce
10.2009 - 06.2013
Very Good - Scientific (Mathematics)
Al-Abasia Secondary Military School
09.2006 - 06.2009