Sameh Hassan Ramadan, CFE

Experience

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  Dream For Cleaning Services .

  Jan 2002 - May 2006

  Branch Manager
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  Piraeus Bank

  May 2006 - Jan 2014

  Credit Investigator officer ( credit risk department )

  collect information about customer ( corporate & Smes ) companies during banks, and market to help credit department to take decision for give them credit facilities .

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  Mashreq Bank

  Feb 2014 - Nov 2014

  Senior Credit Investigator officer ( Credit Risk )

  1. Collecting information about customers (corporate & SMe`S companies) form markets & banks & others to help credit Department to take decision for giving them credit facilities.2. Issue I – score reports. 3. Issue protest & bankruptcy report4. Visiting the customers ( companies)5. Issue reports of the customers position in banks form central bank of Egypt screen. 6. Writing the end reports for new & current customers from The previous steps7. Writing investigation report about stopped payment customers, and escapes. 8. Investigate about foreign customers during Interpol Office who looking for credit facilities.9. Reviewing and checking ( customers ) companies documents Show less

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  Abu Dhabi Islamic Bank - Egypt

  Dec 2014 - Apr 2016

  Head Of Credit Investigation Leasing - Credit Risk

  collecting information about customers who Looking for credit facillites ( corporat & Sme's) from Market & banks, and other sources, write final repot has customer reputation also visit customer loction and write visiting report , follow econommec news in defferent industries & activites & follow international econommec news.

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  AiBANK بنك الاستثمار العربى

  May 2016 - Mar 2019

  Head Of Credit Investigation SME's - Credit Risk

  ● Receiving investigation requests for SMEs from the credit department● Reviewing customer documents (commercial registers, tax cards, company contracts, property documents, licenses, IDs…etc.) ● Issuing I-Score reports for various customers ● Developing protest and bankruptcy reports as well as CBE reports about customers and sister companies● Conducting site visits to customer locations, including industrial areas, warehouses, head offices, and branches ● Investigating customers' reputations via conducting a market survey from the client's customers, suppliers, etc ● Developing comprehensive creditworthiness reports about customers based on the information gathered ● Handling the investigation requests (new customer and renewal investigation reports for existing clients) and reviewing them with the team● Training new team members and orienting them with the department's activities ● Keeping up to date with news about existing customers available in the newspapers, internet, market, banks, and other sources● Acting as the primary contact point for I-Score Show less

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  Tamweel Financial services

  Mar 2019 - Nov 2019

  Credit investigation Manager

  ● Managing the credit investigation team and overseeing the credit investigation activities● Supervising the process of market and baking performance of customers to determine their financial status and their ability to repay loans ● Revising credit applications, conducting background checks, and investigating credit standings, as well as cooperating with credit rating agencies to evaluate the creditworthiness of customers● Recommending the credit approval process by performing analysis and due diligence tasks● Reviewing and verifying the information provided by credit customers● Identifying risk ratings of customers and closing loans when necessary● Serving as primary contact with key customers● Devising credit investigation structures and plans● Conducting on the job training in credit investigation for the team● Appraising the team's performance regularly● Issuing credit reports to top management Show less

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  Arab International Bank

  Dec 2019 - Nov 2023

  Deputy manger - Investigation Dept. - Credit Risk sector

  ● Assisting the department head and risk head in supervising the daily operations of the credit investigation department● Participating in executing the bank's credit policy and guidelines.• Make due diligence for customer`s suppliers & customers list. • Check & Reviewing customer transactions. ● Supporting the department head in maximizing the efficiency and effectiveness of credit investigation workflow by reviewing and making modifications as necessary● Performing the daily credit authorization jobs and making recommendations to the department head for approval● Overseeing the process of examining the credit history of customers● Cooperating with the collection department to minimize bad debt cases● Coaching the junior team in the credit investigation department● Delegating and organizing the administrative tasks and procedures to the junior team● Identifying risks and devising countermeasures for the needed situations● Evaluating the performance of the junior team and developing performance development plans● Handling any ad hoc tasks assigned by the department head ● Interviewing Customers & visiting customer`s locations & operations . Show less

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  International Group.

  Nov 2023 - now

  Commercial Manager

  • Maintaining and strengthening business ties with existing customers and suppliers target markets.• Execute Agreements &deals with Customers and suppliers. • Executing Due diligence with new customers and suppliers. • Collecting offers from market and comparing between them to get the best with target rate. • Ensure compliance with regulatory requirements, industry standards, and internal policies.• Identify and assess commercial risks and develop strategies to mitigate them.• Communicating & Building relationships with Customer and suppliers Local and worldwide. • Collaborating with our logistics team to ensure the efficient Cargo delivery to our customers.• Identifying and pursuing new leads in the Middle-East and African Countries during attending international & Local Commercial Exabit. • Managing & follow up with team work to execute the tasks. Show less

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  Right Way Co. for Financial Consultant & Real State Brokerage

  Sept 2024 - now

  General Manager