Ayman Elsayed
Credit Analyst
Gatineau,QC
Summary
Forward-thinking Credit Analyst with customer correspondence and credit analysis expertise. Offering more than 6 years of resolving credit disputes and making recommendations on bad debt accounts.
Overview
7
7
years of professional experience
2
2
Languages
Work History
Small business banking Credit Analyst
TD Canada Trust
02.2022 - Current
- Review and analyze businesses across Canada to ensure business' capacity of borrowing and repayment
- Prioritize and manage own daily workload to meet SLA requirement for service and productivity
- Work autonomously within established procedures focusing on performing credit adjudication on a narrow range of simple credit products
- Additional responsibilities: Review and analyze consumer products as a senior underwriter
- Partake in additional reports and internal projects; SBB Newsletter, Plus ambassador, Beyond video editor.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Balanced growth objectives with prudent risk-taking, effectively managing the bank''s exposure to potential losses from lending activities.
Credit Analyst
TD Canada Trust
03.2020 - 02.2022
- Ensure all credit decision within assigned limits are fulfilled on certain credit products efficiently and effectively, Meeting service level agreement
- Ensure customer's concerns, issues are handled appropriately and resolved in a timely manner.
- Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
- Supported the sales team in negotiating favorable terms, balancing business growth and credit risks effectively.
- Complied with internal controls and government regulations.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
Credit Assistant
TD Canada Trust
01.2019 - 03.2020
- Recorded new hires, transfers, terminations, changes in job classifications and merit increases to main human resources files.
- Contributed to efficient workflow management by prioritizing tasks based on urgency and importance, ensuring deadlines were consistently met.
- Work in a team of underwriters and credit assistants providing credit adjudication services to the mortgage sales force
- Review mortgage documentation for compliance to policy (Real estate appraisals, Proof of income, down payment)
- Provide prompt and thorough resolution of processing issues.
Web Developer Intern
Icon Advertising
10.2018 - 12.2018
- Managing 3 websites
- Maintain and update website data base
- Accept online retail, commercial deposits, and ticket handling
- Communicating with customers’ requests.
Customer Service Representative-Team leader
Chase bank
01.2017 - 08.2017
- Managing a crew of 5 customer service representatives
- Accepted retail and commercial deposits
- Authorization of financial accounts and supporting background identity checks
- Processed personal checking and saving accounts deposits
- Managing customers' affairs and addressing their issues with service.
Education
Research degree: Water treatment and heat integration -
Bachelor’s degree: Management and Information system - undefined
Skills
MS Office
undefinedReferences
Internal References Upon request
Cycling
I love biking for so many reasons, but especially for the community it builds. Everyday on my way to work all the commuters give a little nod or wave to each other.
Timeline
Small business banking Credit Analyst - TD Canada Trust
02.2022 - Current
Credit Analyst - TD Canada Trust
03.2020 - 02.2022
Credit Assistant - TD Canada Trust
01.2019 - 03.2020
Web Developer Intern - Icon Advertising
10.2018 - 12.2018
Customer Service Representative-Team leader - Chase bank
01.2017 - 08.2017
Texas A&M University - Research degree: Water treatment and heat integration,
Computer Information System Higher institute - Bachelor’s degree: Management and Information system,
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