michel.yaacoub

Credit Analyst, Retail /Risk Banking Division Collection Section • Contacting customers and informing them of their overdue bills • Advising customers on their payment options and suggesting methods of payment • Resolving customer billing problems and reducing the number of accounts receivables • Ensuring files move through processing and closing on time Housing/ Car Loan Unit • Introducing and evaluating members' loan requirements based on their financial needs • Studying files risks, authorizing loans and overdraft facilities • Coordinating with the Retail Operations Manager and all branches' staff • Ensuring compliance with Anti Money Laundering and Risk Management regulations • Writing reports and keeping financial and statistical records Card Loan Management • Managing credit card loan origination and processing • Conducting risk assessments and credit profiling for card loan applicants • Developing and implemented repayment plans tailored to customer needs • Monitoring card loan portfolio performance and implemented strategies to reduce delinquencies • Collaborating with the IT department to enhance card loan processing systems and improve efficiency