Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic
Shady Elsayaad

Shady Elsayaad

Sales And Credit Officer
Giza,Giza

Summary

Dynamic Senior Credit Analyst with extensive experience at Rawaj Consumer Finance, excelling in financial statement analysis and relationship management. Proven track record in enhancing credit risk policies and mentoring teams, leading to improved operational efficiency and informed credit decisions. Adept at loan structuring and committed to continuous improvement in fast-paced environments.

Overview

11
11
years of professional experience
2
2
Certifications
1
1
Language

Work History

Senior Credit Analyst

Rawaj Consumer Finance
01.2023 - Current
  • Complied with internal controls and government regulations.
  • Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
  • Offered insight to upper management regarding credit decisions.
  • Prioritized tasks to meet or exceed timelines and supervised multiple responsibilities at same time.

Credit Manger and Sales

B Auto
11.2021 - 11.2022
  • Work cross-functionally with sales, management, and other departments to maintain effective operations.
  • Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
  • Reviewed and analyzed loan procedures.
  • Devised collection recovery strategies to resolve customer issues and delinquent cases.

Credit Manager

Alkhial Auto
08.2021 - 11.2021
  • Implemented an effective training program for new hires that accelerated their ability to contribute effectively within the team environment quickly.
  • Mentored junior team members in credit management best practices to enhance overall department performance.
  • Conducted comprehensive financial analysis to assess creditworthiness for both new and existing customers.
  • Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.

RM Sales Auto Loans

Attijari Wafa Bank
05.2020 - 08.2021
  • Worked well in a team setting, providing support and guidance.
  • Passionate about learning and committed to continual improvement.
  • Managed time efficiently in order to complete all tasks within deadlines.
  • Assisted with day-to-day operations, working efficiently and productively with all team members.

Credit and Insurance Manager

Altarek Automotive
04.2019 - 04.2020
  • Self-motivated, with a strong sense of personal responsibility.
  • Excellent communication skills, both verbal and written.
  • Proven ability to learn quickly and adapt to new situations.
  • Skilled at working independently and collaboratively in a team environment.

Credit and Insurance Manager

Almasria Auto
09.2014 - 03.2019
  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
  • Investigated and evaluated customers for creditworthiness and potential risk factors.
  • Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
  • Improved credit risk management by implementing effective underwriting policies and procedures.

Education

Bachelor Of Law - Law

Tanta University
Tanta

Skills

Financial statement review

Certification

English conversation

Timeline

Senior Credit Analyst

Rawaj Consumer Finance
01.2023 - Current

Credit Manger and Sales

B Auto
11.2021 - 11.2022

Credit Manager

Alkhial Auto
08.2021 - 11.2021

RM Sales Auto Loans

Attijari Wafa Bank
05.2020 - 08.2021

Credit and Insurance Manager

Altarek Automotive
04.2019 - 04.2020

Credit and Insurance Manager

Almasria Auto
09.2014 - 03.2019

English conversation

08-2012

Microsoft

08-2012

Bachelor Of Law - Law

Tanta University

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Shady ElsayaadSales And Credit Officer