Tamer Salahudine Gad

Senior Credit OfficerFull Time

• Job Details:- Oversee the production and maintenance of the portfolio data base and reports. - Responsible for the credit policies and its compliance with the applicable regulations and laws, credit risk, product and program management. - Ensure that the portfolio is appropriately Risk Rated and adequately reserved. - Direct the Loan Work-Out/Special Assets process; reduce credit and collections/nonperforming loan levels. - Performs specialized work, such as collection of particular loans requiring specific knowledge of program regulations and performance of non-routine duties, such as student loan regulations and required exit interviews, pre-loan counseling and documentation. - Work closely with the Billing Department to implement processes and policies that contribute to accurate invoicing. - Relay to Controller any and all accounts that need to be written off to bad debt. - Prepare documentation necessary to create the Credit or Debit Memo necessary to true up a customer account. - Work with all Company departments to improve all customer issues.

Senior Collection SpecialistFull Time

• Job Details:- Leads the work of others by distributing and balancing workload, demonstrating proper work methods and providing on the job training to employees. - Assists other collectors with difficult or complex accounts and situations, utilizing technical knowledge of collections and procedural or legal guidelines. - Compiles data and prepares monthly activity reports and, periodically, more specialized reports for management. - Performs specialized work, such as collection of particular loans requiring specific knowledge of program regulations and performance of non-routine duties, such as student loan regulations and required exit interviews, pre-loan counseling and documentation. - Researches and analyzes accounts prior to initiating debtor contact; examines historical data; evaluates past collection efforts. - Maintain up-to-date billing system. - Reconciliation of accounts. - Resolve customer queries by communicating with customers via phone, email or personally. - Determines most effective and economical means of collecting for each account; applies standard due diligence practices to collect monies owed; composes correspondence requiring knowledge of procedures and practices in collections and also sends a variety of standard collection letters. - Provide a weekly status report on each of the customers balance outstanding at debtor's review meeting. - Advises debtor with past due accounts of proper payment schedules and the principles of credit and credit standings. - Provides financial counseling to discuss and resolve debt situation; restructures or revises payment terms, recommends deferments, hardships and allowable cancellations, or writes promissory notes when appropriate using independent judgement within established limits. - Supervise Staff in visiting, placing direct phone calls and E-mails to customers that are past due. - Work closely with the Billing Department to implement processes and policies that contribute to accurate invoicing. - Applies payments received to proper accounts, keeping accurate accounting records of each transaction; reconciles records with computer reports; makes necessary adjustments or corrections. - Prepare documentation necessary to create the Credit or Debit Memo necessary to true up a customer account. - Successfully negotiating prepayments with no anticipation rate. - Work with all Company departments to improve all customer issues.

Contracts And Collection SpecialistFull Time

• Job Details:- Engaging contracts with companies and specific entities, explaining the terms of contract for pharmacies branches. - Follow up the effectiveness of contracts. - Coordination with various departments in the insurance companies. - Track and monitor customer accounts receivable according to specific deadlines. - Make a record of unpaid bills and other irregularities, and alert the relevant customers. - Maintain up-to-date billing system. - Reconciliation of accounts. - Resolve customer queries by communicating with customers via phone, email or personally. - Address ongoing customer complaints concerning billing or service rendered and work on complaints of service failures with designated departments. - Provide a weekly status report on each of the customers balance outstanding at debtor's review meeting. - Minimize company's financial loss by: 1) Developing and implementing efficient collection procedures. 2) Understanding individual customer accounts and authorizing extensions and write-offs as applicable 3) Allocating the work to staff well suited to the task - Regular reporting on the collection departments' progress and statistics using knowledge of statistics and data analysis, and presenting this information to management to highlight trends or achievements. - Supervise Staff in visiting, placing direct phone calls and E-mails to customers that are past due. - Work closely with the Billing Department to implement processes and policies that contribute to accurate invoicing. - Relay to Controller any and all accounts that need to be written o to bad debt. - Prepare documentation necessary to create the Credit or Debit Memo necessary to true up a customer account. - Successfully negotiating prepayments with no anticipation rate. - Work with all Company departments to improve all customer issues.