Credit Management & Control: Oversee the credit management function and supervise the credit control operations.Team Leadership: Lead and inspire the credit team to meet sales, profit, and collection targets.Debt Collection: Ensure the efficient collection of company debts.KPI Reporting: Generate and present monthly Key Performance Indicator (KPI) reports for the department.Accuracy & Motivation: Drive the credit control team towards achieving high accuracy levels.Client… Show more Credit Management & Control: Oversee the credit management function and supervise the credit control operations.Team Leadership: Lead and inspire the credit team to meet sales, profit, and collection targets.Debt Collection: Ensure the efficient collection of company debts.KPI Reporting: Generate and present monthly Key Performance Indicator (KPI) reports for the department.Accuracy & Motivation: Drive the credit control team towards achieving high accuracy levels.Client Relationship Management: Manage client relationships to mitigate potential bad debt risks.Credit Risk Policies: Implement and maintain comprehensive Credit Risk Policies and Procedures.Risk Assessment Tools: Develop and enhance reporting and assessment tools to minimize risk and proactively identify problem areas and customers.Cash Forecasting: Prepare weekly cash forecasts, including customer collections.Credit Approvals: Approve credit executive memorandums.Financial Oversight: Monitor credit sales, profits, costs, collections, and rejected debt reports.Performance Evaluation: Assess and appraise staff performance.Business Development Duties:System Implementation: Collaborate with the IT department to establish a credit and collection system.Inquiry & Investigation Tools: Introduce new inquiry and investigation tools through banks and “I-Score companies.”Credit Scoring Modules: Develop credit scoring modules.Staff Development: Prepare and coach department staff. Show less

Credit Sales Authorization: Evaluate new customer files and market risks to determine credit sales agreements, including down payments, installment plans, annual interest rates, credit limits, and collateral requirements.Credit Limit Adjustments: Increase credit limits for existing customers based on their track records and reassessment of their files.Financial Risk Assessment: Assess financial risks for assigned customers across all branches using a risk categories model.Risk… Show more Credit Sales Authorization: Evaluate new customer files and market risks to determine credit sales agreements, including down payments, installment plans, annual interest rates, credit limits, and collateral requirements.Credit Limit Adjustments: Increase credit limits for existing customers based on their track records and reassessment of their files.Financial Risk Assessment: Assess financial risks for assigned customers across all branches using a risk categories model.Risk Mitigation: Minimize credit risks by thoroughly studying credit cases for both new and existing customers.Inquiry Process Management: Organize the inquiry process to ensure all information, procedures, data, and documents are accurate and timely.Credit Limit Evaluation: Assess credit limits for both new and existing customers.Report Review: Review month-end, quarterly, and annual reports for the inquiry, controlling, and credit sales sections, and report findings.Financial Agreement Review: Ensure financial agreements comply with credit policies.Performance Reporting: Review monthly, quarterly, and annual reports on actual credit sales, costs, and profits, comparing them to planned figures.Exception Handling: Prepare exception memorandums for senior management as per the given authority.Annual Planning: Develop the annual plan for credit sales, profit, and cost using the SAP system.Cost Center Review: Review credit cost centers on a monthly basis in the SAP system to ensure no deviations or budget overruns. Show less

Analyzing customers' balance sheet and income statement, prepared Cash-Flow 3 and 6 blocks models.  Preparing credit sales, profit &loss reports and matched to plans & budget.  Preparing credit files according to company requirements  Preparing (Risk Category / Break-even / Actual and Plan / Insurance) reports.  Implemented credit committee approval and obtained all required documents & collaterals from the customers.  Calculating insurance payments according to type of… Show more Analyzing customers' balance sheet and income statement, prepared Cash-Flow 3 and 6 blocks models.  Preparing credit sales, profit &loss reports and matched to plans & budget.  Preparing credit files according to company requirements  Preparing (Risk Category / Break-even / Actual and Plan / Insurance) reports.  Implemented credit committee approval and obtained all required documents & collaterals from the customers.  Calculating insurance payments according to type of risk and product.  Reviewing and monitoring legal documents presented by clients.  Calculated clients payment schedule for legal customers as per approved.  Following up collections & refused bills.  Monitoring collaterals, financial agreement, insurance policies presented by customers Show less

 Daily adjustments for clients’ accounts  Prepared legal documents for clients and calculated sales taxes for newly issued invoices  Prepared accounting entries  Reviewed clients' accounts and performed all accounting entries