Islam Abdallah Email & Phone Number

Frankfurt, He, De

Frankfurt Am Main, Hesse, Germany

Frankfurt, Hesse, Germany

Sharjah, United Arab Emirates

Reviewing bank statement, checking the cash flow, analyzing the business field of small & medium enterprises in order to determine the credit worthiness of existing and potential mortgage facilities applicable for the customers and making underwriting decisions based on the internal policy of the bank.- Reviewing field visit reports and preparing the final decision.- Re-negotiations of facilities possibilities for customers based on lending guidelines.- Preparing detailed reports with market feedback remarks outlining the strengths and weaknesses of the customer.- Working in partnership with team captain to manage team performance to achieve team and unit goals.- Meeting the TAT of our applications in order to achieve the customer satisfaction.Achievements:- Provided different types of processing the applications in order to meet the TAT

United Arab Emirates

Make researches and analyzing the financials, cash flow, consumer and market feedback of small & medium enterprises in order to determine the credit worthiness of existing and potential loan customers and making underwriting decisions based on the internal policy of the bank.- Reviewing credit reports and preparing the final sheet for final decision.- Assisting with re-negotiations of loans based on lending guidelines.- Managed credit risk on new credit applications by making underwriting decisions- Creating detailed financial reports with market feedback remarks outlining the strengths and weaknesses of the business.- Working in partnership with team captain to manage team performance to achieve team and unit goals.- Making to meet the TAT of our loan applications in order to achieve the customer satisfaction.Achievements:- Created the credit policy with a teamwork effort to meet the goals of the bank.- Set the process of the credit risk department in order to meet the TAT- Set the MEMO excel sheet format in order to cover all the areas of credit analysis.- Set the Cash-flow format for the data entry officers to achieve a smooth and fast process.

United Arab Emirates

Make credit decisions based on analyzing information on applications, labor contract, cash flow analysis, salary proof and credit card statements and other documents would determine the credit ratio of the client.- Manage credit limit database by setting, rejecting, and adjusting credit limits determined by strength of credit and ratio of credit limit used as per AECB report from the central bank of UAE- Reviewing credit reports and preparing the final sheet for final decision.- Checking and confirming that all documents are valid and up to date.- Approving loans on system and make sure to book cases and forward to the operation department.Achievements:- Achieved higher number of approvals for credit cards and personal loans.- Reduced the number of TAT.

Egypt

To prepare and analyze credit proposal for corporates in compliance with Bank credit policy. - Assessing credit data, financial statements, balance sheets and cash flow statements of companies to determine the degree of risk involved in extending credit facilities. - Making recommendations about procedural/policy changes - Keeping knowledge of key issues up-to-date (for example legal, market risk and compliance issues) - Constantly interacting with operations & business support unit in providing updates on filed cases

Egypt

• Deliver outstanding client service by executing financial transactions in accordance with bank policies and procedures while maintaining an acceptable record in daily drawer balancing.• Resolve account service issues and respond to client inquires promptly and effectively.• Adhere to operational controls, including legal, corporate, and regulatory procedures to ensure the safety and security of customer and bank assets.• Drive efforts in the branch to identify and implement a positive overall client experience.• Deepen client relationships by effectively executing all services and referring bank products while achieving goals through daily sales activities and branch sales promotions.• Proactively educate clients on utilizing available access channels (i.e. ATM, Online and Telephone Banking).• Continuously learn new and existing products through sales aids (features, benefits, fees, etc.).Process routine account transactions.Open accounts, including savings and checking.Help customers fill out deposit and withdrawal slips.Use adding machine.Disburse money to customers.Validate the deposit slip and stamp it by machine.Check for photo identification.Assist customers at the drive-through window.Greet people warmly and direct them to appropriate bank personnel.Handle loan payments and cash checks.Sell traveler’s checks and money orders.Collect loan and utility payments.Promote bank products.Record all transactions.Report suspicious activity to police.Exchange foreign currency.Count cash at beginning and end of shift.Balance currency, cash and checks in cash drawer at end of each shift.

6 October City, Cairo

Attracts potential customers by answering product and service questions; suggesting information about other products and services.Opens customer accounts by recording account information.Maintains customer records by updating account information.Resolves product or service problems by clarifying the customer's complaint; determining the cause of the problem; selecting and explaining the best solution to solve the problem; expediting correction or adjustment; following up to ensure resolution.Maintains financial accounts by processing customer adjustments.Recommends potential products or services to management by collecting customer information and analyzing customer needs.Prepares product or service reports by collecting and analyzing customer information.Contributes to team effort by accomplishing related results as needed.

Certified Credit Risk Management & Financial Analysis, Credit Risk Management

Financial Statement Analysis Corporate Finance Fundamentals of Accounting Credit Risk Management Banking Law International Trade Finance.

Bachelor'S Degree, Accounting And Finance, 75.21%

- Selected among the first top 20 high grades to join the EDU Program held by the Ministry of telecommunication. - Faculty of commerce.