Sameh Ayad

A dedicated and accomplished Credit Analyst professional with extensive experience in the financial sector, specifically within Dubai Islamic Bank. Demonstrates expertise in analyzing and processing customer profiles and financial statements, ensuring compliance with bank policies and regulations. Proficient in monitoring credit risk, underwriting loans, and managing Murabaha requests.

Adept at handling suspicious activities, identifying risks, and enhancing the quality of financial analysis. Skilled in preparing comprehensive reports for management, training junior staff, and maintaining MIS reports for escalated cases. Strong background in financial reporting, budgeting, forecasting, and tax compliance.

Proven ability to coordinate with various departments to ensure timely processing of cases and maintain accurate financial records.

Credit Analyst at Dubai Islamic Bank (2021-12 – Present)

• Responsible for analyzing, processing, and managing cases based on customer profiles and financial statements in compliance with bank policies and regulations.
• Monitoring credit risk, evaluating, and authorizing credit limits.
• Underwriting loans and Murabaha requests.
• Handling suspicious activities to mitigate risk and enhance analysis quality.
• Identifying risks and weaknesses in business processes.
• Ensuring FVR completion and case progression.
• Providing efficient and quality services to customers.
• Training and guiding junior staff.
• Checking and analyzing database recordings.
• Preparing reports for management and handling urgent duties.
• Distributing applications to analysts as per management decisions.
• Maintaining the negative list based on feedback from relevant units.
• Following up on reported cases with Collection, FRM, and business units.
• Ensuring timely processing of cases to avoid delays.
• Supporting analysts in preparing average credit turnover.
• Maintaining MIS reports for escalated cases.
• Coordinating with the field visit team for requests.
• Updating the negative list with Central Bank reports.
• Ensuring compliance with policies, procedures, SLAs, and regulatory requirements.
• Executing tasks and projects within approved policies and procedures.
• Adhering to the bank's core values, especially Customer First, in daily activities.

Call Center Representative at Dubai Islamic Bank (2015-01 – 2021-11)

• Acting as a first point of contact for DIB customers, handling their communications and queries, providing the highest level of customer service and exceeding the needs of both internal and external customers.
• Handling a minimum number of calls per hour (10 per hour).
• Ensuring that all customer queries and problems are resolved in the least specified time frame.
• Ensuring that all customer problems are reported and highlighted to the relevant department.
• Seeking updates for self on the latest policies.
• Maximizing the use of Call Center Manual on producing information to provide accurate customer information.
• Ensuring that the customers' interactions, complaints, and comments are being correctly handled.
• Using accounts and banking programs such as: (Unison SYSTEM - Genesis system - POWER CARD (oracle) - I FLEX (oracle) - BUSINESS OBJECTS (oracle) - Loyalty system - FinOne system - Back office - CRM)

Accountant at Nabaa Al-Majed Contracting Company (2010-07 – 2015-07)

• Managing financial records for construction projects and ensuring accuracy.
• Tracking expenses and revenues related to ongoing and completed contracts.
• Preparing detailed financial reports to support project budgeting and forecasting.
• Analyzing financial data to identify trends and provide insights for cost control.
• Reconciling accounts and resolving discrepancies to maintain financial integrity.
• Monitoring cash flow and ensuring funds are available for project needs.
• Assisting in the preparation of annual budgets and financial plans.
• Coordinating with project managers to ensure accurate financial reporting and compliance.
• Reviewing contracts and agreements to ensure financial terms are correctly implemented.
• Maintaining up-to-date knowledge of construction industry financial practices and regulations.

Bachelor of Commerce in Commerce – Tanta University (2009)