Fady Mikail Yossef

Credit analyst at National Bank Of Egypt

Cairo, Egypt

National Bank Of Egypt

Jun 2016 - Present -9 yrs, 1 month

Egypt , Cairo

Job Details:Responsible for analyzing credit data and financial information of the companies that are applying for credit or loans to determine the risk that the bank,. The level of risk is then used to determine if a loan or line of credit will be granted, and if so, the terms of the loan, including interest rate. Credit analysts will prepare reports based upon their findings to help make decisions on lending and credit-worthiness • Evaluating clients’ credit data and financial statements in order to determine the degree of risk involved in lending money to them • Preparing reports about the degree of risk in lending money to clients • Analyzing client records and using the data to recommend payment plans • Evaluating the financial status of clients by producing financial ratios • Filling out loan applications and including the credit analysis and loan request summaries, then submitting these loan applications to loan committees for their approval • Conferring with clients to verify their financial/credit transactions and to resolve their complaints • Handling clients daily operations

National Bank of Egypt

Jul 2010 - May 2016 -5 yrs, 10 months

Egypt , Cairo

Job Details:• Implement the bank policy to maintain & improve the ATM image allover Egypt • Decide the best designs & materials to be implemented on the ATM network • Determine the location segmentation to ensure our ATM distribution • Supervision the rental fees payment process - managing cash in & cash out • supervision contracts legal revision to be signed • supervision generating monthly reports to ensure our position

BNP PARIBAS BANK

Jan 2009 - Jun 2010 -1 yr, 5 months

Egypt , Cairo

Job Details:A) Selling and Cross Selling •Sell and cross-sell bank products and services to customers to achieve business targets and maximize bank profits. •Identify opportunities to sell additional products whilst conducting the sales process. •Assist the Head of Individual Banking the Marketing and Sales Strategy in order to achieve targets. •Coordinate with all departments of the bank to finalize sales process. B) Quality Service •Receive and Advise customers and non-customers in order to satisfy their needs and build a long-term business relationship with them. •Receive, handle and resolve customer complaints (verbal/written) in a timely manner to maintain or increase customer satisfaction. C) Others •Help and support the Collection Department with matters regarding delinquent customers, as to ensure full payment of the overdue amounts to minimize Risk exposure. •Prepare, and review all required reports and KYC forms to ensure that all transactions are adhered to the bank’s policies and procedures