Assem ZahranEzdan 4 Building 5 Flatt 22, Wakra, [email protected](+974) 55093866EDUCATION2013 2014Credit Course Egypt ABC bank (chase Manhattan Program)
2013 2014AML course & refreshment EBI, Cairo 2001 2006BA in Accounting, Faculty of commerce Assiut university
WORK EXPERIENCE2014 current Finance & HR manager, Mokasco Express, Doha Responsible for the financial management of a portfolio of operational and support service budgets. Produce monthly management accounts and support managers on all aspectsof budgetary control, including financial training and support. Monthly and quarterly monitoring reports. Financially appraise projects and advice the Management Team on cost/benefit Analysis and related financial risk Identify, monitor and report efficiency saving s across all budget areas Assist them in all aspects of Internal and External Audit, including the completionof Year End Accounts Ensure compliance with financial regulations and procedures Manage and monitor the organizations cash flow and prepare regular cashflow forecastsHuman Resources Duties and Responsibilities Identify staff vacancies, assist with job descriptions preparation, place Advertisements, conduct interviews, perform background checks, andselect/recommend applicants. Management HR systems and programs and ensure compliance with leg alrequirements. Provide current and prospective employees with information aboutcompensation and benefits policies, job duties, working conditions and careerdevelopment. Assist with preparation of leg al agreements for employees and outsidecontractors. Assist the Director of Operations to manage personnel matters dealing withunder staffing, referee disputes, and administer disciplinary procedures andemployee terminations. Advise managers on organizational policy and recommend needed changes Plan and conduct new employee orientation to foster positive attitude and knowledge of individual performance expectations towards achievingorganizational objectives. Serve as a link between management and employees by handling questions, interpreting and administering contracts and helping resolve work-relatedproblems. Maintain records and compile statistical reports concerning personnel-relateddata such as hires, transfers, performance appraisals, and absenteeism rates. Prepare personnel forecast to project employment needs. Prepare and follow budgets for personnel operations. Develop, administer and evaluate applicant tests. Oversee the evaluation, classification and rating of occupations and jobpositions.
2009 2014Credit Administration Manager, ABC Bank, Egypt (Last position) Underwrite/review new commercial credit transactions in accordance with the Banks credit policies, and recommend conforming requests to the Loan Committee. Review loan documentation for approved commercial credit transactions to ensure terms are consistent with those approved by the Loan Committee. Work with legal and other outside providers to make certain a loan is closed asapproved by management, in a timely manner, and that the Banks security interest is properly perfected Work with other departments within the Bank to ensure new commercial credittransactions are properly boarded on to the Banks loan servicing system. On-going monitoring of existing commercial transaction to ensure compliance with all approved terms, conditions and applicable covenants (both financial and reporting, etc.). Timely, accurate and effective communication to management of any potential material risks associated with existing commercial credits in the portfolio, including a recommendation for the appropriate course of action if warranted. Ensure that the LQR assigned to each commercial credit is accurate and based on the most recent information available to the Bank. Oversee the preparation of the appropriate reports and forms used to communicate the current states of commercial credits (both performing and non-performing) to management. Thorough understanding of the Banks credit policy, which includes making sure that the structure of each commercial credit transaction (at the time of underwriting, and on an (on-going basis) is in conformity with policy, and / or policy exceptions are noted and reported as required by policy. Make certain that the underlying value of all collateral is current and reliable, particular for commercial credits determined to be a special mention or substandard. Assist management in the calculation of reserves associated with the commercial loan portfolio. Responsible to ensure that working loan files are current (all necessary information is present), organized (in the format required by policy), and in a presentable manner at all times. Responsible for contacting commercial borrowers in order to obtain necessaryinformation. Responsible for contacting commercial borrowers if a payment becomes delinquent. Successfully be able to restructure or liquidate special mention and/or substandard commercial credits w/in an acceptable time period. Assist management with other responsibilities as needed. 2007 2009Internal Auditor, Expo Link, Egypt Auditing all of finance process Assure the quality of performance of the employee of finance department Cooperate with IMC (One of Ministry of Industry divisions) LANGUAGES & SOFTWARE SKILLS Arabic Mother Language English Very good Oracle Applications Very good Microsoft Applications Very good
Attachment:Credit Course Certificate University degree Certificate Experience certificate from ABC Bank issued by March 2014
Other certificates will be provided upon request