Michael Saad Email & Phone Number

United Arab Emirates

• Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
• Prepare reports that include the degree of risk involved in extending credit or lending money.
• Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.
• Escalate the data of deviation cases to credit community
• Generate financial ratios, using computer programs, to evaluate customers' financial status.
• Review individual or commercial customer files to identify and select delinquent accounts for collection.

United Arab Emirates

• Allocate incoming requests to the team, prioritizing actions and monitoring team resource so that customer deadlines are met.
• To identify and highlight best practices in support management through continuous assessment, and feeding process and product recommendations to the Operations Director and build SOP.
• To conduct performance appraisals for the team, identifying weaknesses and offering coaching and mentoring in areas that require it.
• To ensure that excellent performance is acknowledged and reasons for success are shared amongst the team to the benefit of all.
• To compile reports on SLA targets, numbers and types of request, communicating findings to the Operations Director and to respond to any further requests for data that are required for analysis.
• To communicate and be the focal point for the dissemination of information from management to the team and vice versa.

United Arab Emirates

• Responsible for checking to make sure that clients are able to handle certain credit limits based on their current credit scores and income levels and matching with the bank policy.
• Ordering client credit reports as well contacting employment references along with lending companies and financial institutions such as banks for necessary customer information and keep this information confidential.
• Reviewing target market listed companies within the bank and suspend companies that have problems and that have market feedback
• Responsible for the effective follow-up of Special Order Sales.
• Handle administrative functions of credit programs and policies and procedures
• Manage filing system to make sure that customer documents are organized in an easily retrievable manner.

United Arab Emirates

• Consistently achieved and surpassed target, which meant being the leading sales person in the region.
• Achieved 300% growth within the first 3 months.
• Developed client relationships with leading pharmacies.
• Introduced Bio-cut, Bio-gainers, Growth Formula into key accounts within assigned area including leading hospitals & pharmacies.
• Developed client relationships with leading pharmacies