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Tarek Gamal Elmougy

Credit Analyst

Hadayek Alahram, Giza, Egypt

Work Experience

  • Senior Retail Credit OfficerFull Time

    Union National Bank - Egypt

    Aug 2017 - Nov 2017 -3 months

    Egypt , Cairo

    • Job Details:• Handling the files of all retail products (Personal Loan, Self Employed loan, Auto Loan, Home mortgage loan & credit card) by receiving it from the coordinators. • Checking the customer position in the Central Bank list if there is a legal action against him or not. • Checking, reviewing & calculating the customer position on I-Score system, checking his liabilities, reviewing if he has any delinquent facility & calculating his installments against his DBR. • For Personal loan & Credit card customer, checking his salary letter if it’s valid or not & meeting the bank’s policy or not, also for customers whose providing bank statement, checking the regularity of the salary for the last period. • For Self Employed loan customer, checking his supported documents such as commercial register, tax card & contract of implementation of the organization if it’s valid & meeting the bank’s policy or not, also checking his bank statement, calculating his deposits, the transfer in & out, also checking if there is a returned cheques & if there is duplicate deposits & fraud transactions or not. • For Auto loan customer, checking his supported documents if it’s meeting the bank’s policy according to which Auto loan criteria he availed for. • For Home mortgage loan, checking his supported documents if its meeting bank’s policy, such as checking the apartment documents if its licensed or not & there is no any fine on the building, also checking all the customer document regarding his loan • Checking the investigation report which has been received from the external investigation companies for customer’s home & business address. • Contacting the customers who applied for loan to confirm all their data in the supported documents. • Refer any suspected case to the Fraud department to check the validity of suspected document attached in the case & check any suspected data in the case. • Sending a report to the line manager on a daily basis by the finalized cases.
  • Potential Branch ManagerFull Time

    Delta Insurance

    Feb 2017 - Present -8 yrs, 4 months

    Egypt , Cairo

    • Job Details:•Handling Sales Manager & Sales Agents in achieving their assigned target. •Assisting the Branch Manager in finalizing all the branch’s operation tasks. •Receiving & handling all the complaints related to the branch & to the located staff. •Supporting the branch’s staff with data for the prospective customers for selling them the company’s products in which helping the staffs achieving their assigned target. •Opening new business channels with different institutions which allow the branch’s staff promoting the company’s products. •Preparing & sending the quarterly appraisal of the branch’s staff to the Branch Manager. •Filtering the resumes which has been sent from the coordinator, for the candidates whose applying for the Sales vacancy & setting the interview timings with the coordinator. •Attend the first interview for the candidates whose applying for the Sales vacancy, also I’m accepting & rejecting those candidates
  • Head of Customer Service & Deputy Branch ManagerFull Time

    Union National Bank - Egypt

    Feb 2016 - Aug 2017 -1 yr, 6 months

    Egypt , Cairo

    • Job Details:• Assist the branch manager in handling the branch, by dealing with the assigned target for assets & liabilities, dealing with the branch’s operation tasks. • Handling the Customer Service Officers by supporting them for achieving their assigned target, solving any problem during their daily activities, distribute the requested tasks & the branch operation tasks among us. • Achieving my personal assigned target for assets, liabilities, credit cards & payroll companies. • Create leads for companies & individuals, in which supporting me & the Customer Service Officers achieving our assigned target. • Arrange appointments with Financial managers & HR managers of several companies for offering them the bank’s products ( payroll, company account, deposits & retail facilities for individuals ) • Authorize the daily transactions for the Customer Service Officers & reviewing their daily activity. • Daily inventory the Cash Vault & the ATM machine. • Receiving complains on the branch side & solving them, by satisfying the customers for saving the bank’s image & reputation. • Inventory all the Customer Service activities & transactions on the monthly basis.
  • Officer, Remedial Retail AdvancesFull Time

    Union National Bank - UAE

    Mar 2013 - Dec 2015 -2 yrs, 9 months

    United Arab Emirates , Abu Dhabi

    • Job Details:• Assisting manager by coordinating with the team to achieve the assigned target & checking all proposals which has been done by any staff to take any kind of action against the customer or to give him an offer before submitting it to the management. • Following the team members to solve the customers’ problems by offering those customers alternatives which meet the bank’s policy & allowing them to be regular with the bank. • Dealing with the assigned recovery target by handling the assigned delinquent retail products (Salary Loan, Car loan, SME loan & Credit cards) for soft & hard buckets. • Meeting delinquent customers to arrange with them the suitable solution from the bank’s point of view to recover the delinquent liability which meeting their source of income. • Dealing with the Visit Team, by supporting them all the customer’s contacts & addresses, to visit the delinquent customers in their houses & employers. • Dealing with the external agencies to follow the skipped customers. • Analyse the customer's liability to refer the case to the bank's lawyer, to file an action against the customer. • Following with the lawyer for checking the progress of the case.
  • Education

    • Bachelor's Degree in Accounting - English Section

      Benha University

      Jan 2002 - Jan 2007 - 5 yr

    • High School - Thanaweya Amma

      Orman Experimental Language School

      Jan 2002 

    Skills

    • excel
    • Microsoft Word
    • Recovery
    • Credit Analyst
    • Customer Service
    • Sales
    • Microsoft Powerpoint

    Languages

    • Arabic

      Fluent
    • English

      Fluent

    Training & Certifications

    • Accounting Expert

      The Russian Centre For Science & Culture Egypt·2006
    • Brokerage

      Misr for Central Clearing, Depository and Registry Egypt·2003
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