Credit & Collection Manager

Work for a well-established organization to develop, upgrade my skills and knowledge in Credit Field where I can contribute positively to the overall performance of the organization and goals accomplishments.

„X Granted credit sales to new customers upon studying their files and type of activity, evaluated market risks concerning their activities, in order to determine the final agreement for down payments number of installments, annual interest rate, credit limit and collaterals
„X Increasing credit limit for existing customers up on their truck record and restudying customer file
„X Assessed and managed financial risks of assigned customers for all branches through risk categories model
„X Mitigated and shrunk credit risks to the lowest levels through studying credit cases for existing and new customers using analysis approach, based on investigations and the collected information data and documents from customers
„X Approved the executive memorandums due to acquiring the appropriate guarantees and collaterals from customers to secure company credit sales
„X Organized the inquiry process, making sure that all information, procedures, data and documents set right in framed time
„X Assessed credit limit for the new and existing customers
„X Revised the month-end, quarter and annual reports for inquiry section, audit section and credit sales section in order to report it to the high authority
„X Approved the financial agreements after making sure that the deals have no deviations against company policy
„X Revised monthly, quarterly, and annually reports concerning the actual credit (Sales / Cost / Profit) and compare it to plan
„X Oriented exceptions memorandum to the high management according to given authority
„X Prepared the annual plan for credit sales, profit and cost on SAP system
„X Revised credit cost centers on SAP system on monthly basis, making sure that there are no deviations or exceeding the plan
„X Monitored profit center on SAP system for the whole relatives' departments legal, collection, treasury, insurance and credit
„X Responsible for covering credits by insurance policies
„X Responsible for setting up and settle SAP system and MS-Access to replace the manual procedures.

BACHELOR DEGREE OF SCIENCE:
AIN-SHAMS UNIVERSITY -HIGH INSTITUTE OF CO-OP AND ADMINISTRATIVE STUDIES MAY 2001
Major: Business Administration
Grade: Good

POST GRADUATE STUDIES:
AUC - THE AMERICAN UNIVERSITY IN CAIRO SEPTEMBER 2002
Major: Credit Management-CBCA
GPA: 73%