Credit officer

Esma Jarray

Address Doha - Bin Mahmoud

Phone 009**********

Email **********@*****.***

Professional Summary

Experienced Financial Officer with 5 years in the Financial Industries, Knowledgeable and innovative professional whose success is based on integrity exceptional customer service efficiency and ambition, available to fill a position with a reputable company.

Work Experience

06/2016-07/2019

Commercial Bank, Tunisia

Credit Officer.

• Prepare reports describing loan recommendations .

• Monitor daily credit operations and mentor junior officers .

• Verify interest fixing and syndication loans rollover .

• Accept or reject the staffs credit recommendations .

• Prepare written analyses on all loans .

• Identify problem loans .

• Assess Business risks and manage Credit functions .

• Continually update regulatory and banking knowledge through training .

• Checking daily reports .

• recommends strategies for problem credits in compliance with credit policy to optimize value .

• Reviews new credit products .

• Create a credit scoring model .

• Manage customer credit files .

• Monitor the credit granting and updating process .

• Assist senior-level credit officers with complex loan applications . 02/2015-05/2016

FOREX Trading Company, Tunisia

Assistant Finance Manager

• Assist with billing invoices.

• Maintain various budget worksheets throughout the year to help facilitate the annual budget preparation in the guidance of the manager.

• Manage cash flows.

• Supervise the financial transactions within and outside the company.

• Handle the day to day job performance of the staff members and manage the payroll activities in approval of the manager.

• Preparing and presenting financial reports for meetings and investors.

• Liaising with other departments and business units on a range of issues.

• Recommend and maintain a system of policies and procedures that impose an adequate level of control over Finance Department activities.

06/2014-01/2015

COMAR Insurance

Insurance Costumer Service Representative,

• Confer with customers by telephone or in person in order to provide information about products and services, to take orders or cancel accounts, or to obtain details of complaints.

• Contact customers in order to respond to inquiries or to notify them of claim investigation results and any planned adjustments.

• Complete contract forms, prepare change of address records, and issue service discontinuance orders, using computers.

• Keep records of customer interactions and transactions, recording details of inquiries, complaints, and comments, as well as actions taken.

• Order tests that could determine the causes of product malfunctions.

• Review insurance policy terms in order to determine whether a particular loss is covered by insurance.

• Solicit sale of new or additional services or products. Education

09/2014-06/2016

Institute of Higher Studies, Tunisia

Master's degree in Financial Engineering

09/2010-06/2014

Institute of Higher Commercial Studies, Tunisia

Bachelor degree in Finance

Languages

Arabic — Native speaker

English — Proficient

French — Proficient

Spanish — Pre-intermediate

Additional Skills

Banking background

Mathematical skills

Insurance

Trading

Credit monitoring

Administration

Managerial finance

Financial reporting

Analytical ability

Microsoft Office

Teamwork

Positive attitude

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