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
Credit risk assessment
People skills
Analytical Thinking
Report Analysis
Time management abilities
Lending regulations
Credit Scoring
Industry Research
Time Management
Data Analysis
References
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,