Michael George Zaki

- Promote, solicit and develop existing and new business relating to trade finance and commercial lending for SME business etc .

-Analyze customer data such as financial statements to determine level of risk involved for extending credit.

- Follow up the cycle where the clients are granted their requests, through the coordination with different concerned departments and divisions when needed.

- Develop and cultivate lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.

- Review executive summaries of facilities presented for renewal &/ increase for existing and new clients.

- Reports early warning indicators for both performing and non performing loans .

- Present restructure plans to regularize non performing loans .

- Perform regular quarterly visits for existing clients to ensure the flow of their business operations.

- Create facilities packages with extensive in-depth analysis of quantitative and qualitative aspects of the prospected client.

- Prepare facility structure reports for existing &/ new clients to SMEs credit center .

- Present facilities requests through scoring system for very small business clients.

- Advise the client to the credit enhancements their company need to keep it on the right track and reduce the credit risk.

- Act as the referral side to new retail accounts and potential payroll packages.

- Attract new potential SMEs clients , manage the relationships and grow the SMEs business line.

- Create credit memorandum for prospective and existing credit clients including but not limited to client's activity , facility structure , risk mitigation , financial analysis and industry analysis.

- Act as the financial advisor for the client, in managing his funds and utilization of the credit facilities.

- Create spreadsheets using Microsoft Excel & Moody's risk rating tool for daily, weekly and monthly reporting.

- Meet existing and potential customers and serve as the most informative customer contact point for general customer requests and achieve selling targets.

- Open and process all types of customer accounts. Verify and review account signatures, legal documents, and internal customer proxies.

- Administer and process cheques presented for collection.

- Manage the operations of safe deposit boxes and general correspondence of the customers.Take every opportunity to delight customers, sell the bank, and demonstrate interest in providing other services.

- Perform a range of office duties as requested by the relationship manager.

- Cash checks and pay out money after verifying the legality of documents.

- Count currency, coins, and checks received, by hand or using currency-counting machine, in order to prepare them for deposit or shipment to branch banks or the Central bank.

- Maintain strong relationships with clients, cross-sell QNB different products over the counter.