Houssam Mema
Corporate Credit Analyst at AM BANK- Claim this Profile
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Arabic Full professional proficiency
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French Native or bilingual proficiency
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English Full professional proficiency
Topline Score
Bio
Credentials
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Lebanese Financial Regulations
Central Bank of LebanonJun, 2018- Oct, 2024 -
International English Language Testing System (IELTS)
British CouncilMar, 2021- Oct, 2024
Experience
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AM BANK
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Lebanon
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Banking
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1 - 100 Employee
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Corporate Credit Analyst
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Dec 2020 - Present
• Assess creditworthiness of existing or prospective clients.• Examine financial transactions and credit history case by case (applications, statements, balance sheets, legal documents etc.).• Complete ratio, trend and cash flows analyses and create projections.• Deliver a multidimensional perspective on the investment outlook in an accessible and informative manner.• Determine in depth the degree of risk involved.• Carefully analyze data and produce clear and objective reports.• Routinely monitor loans for compliance.• Adhere to credit policy and guidelines.• Monitor corporate portfolio asset quality on an ongoing basis. Show less
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Customer Service Officer
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Nov 2015 - Dec 2020
• Listen and respond to customers’ needs and concerns.• Developing financial strategy, including risk minimisation plans and opportunity forecasting for the branch.• Cash flow management.• Debt management and collection.• Ensuring compliance with statutory law and financial regulations.• Developing financial reviews and providing investment advice for clients.• Working closely with management to share reports and analysis findings.• Provide information about products and services• Take orders, determine charges, and oversee billing or payments.• Review or make changes to customer accounts• Handle returns or complaints• Research answers or solutions as needed• Record details of customer contacts and actions taken• Open new accounts/closing accounts.• Update personal details for personal and business customers such as address, name details and financial situation.• Spearheading efforts across developing a competitive business development, sales strategy.• Implementing strategies for generating profitability, resources, and revenues for the bank, ensuring long-term financial viability of the organization.• Controlling management accounts with attention to essential criteria for net profit, including sales, shrinkage, wages, write-off, cash control and branch expenditure.• Managing the sales professionals and provide technical guidance to the team while setting performance parameters.• Establishing healthy business relations with clients and external associates for securing repeat business and long term customer loyalty and worked towards solving their queries and complaints efficiently.• Effectively prepare daily, weekly, and monthly reports to monitor day-to-day workings and keep updating the senior management. Show less
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Head Teller
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Aug 2014 - Dec 2015
• Maintain cash drawer, balances and audits the cash drawer according to policy and schedule. • Supervise other bank tellers and their cash drawers. • Search for the cause of an overage or shortage when a teller’s drawer does not balance correctly. • Motivate the other bank tellers to remain friendly and professional at all times. • Train new tellers in bank practice and procedure. • Handle upset or irate customers. • Replenish and troubleshoot ATM machines. Show less
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Cashier
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Feb 2011 - Nov 2020
• Sell, process and confirm room reservations using selling techniques and strategies • Assist guests with issues and complaints • Post charges to guest accounts as designated • Provide accurate statements to guests and collecting all due payments • Petty cash holder • Reconcile bank accounts • Sell, process and confirm room reservations using selling techniques and strategies • Assist guests with issues and complaints • Post charges to guest accounts as designated • Provide accurate statements to guests and collecting all due payments • Petty cash holder • Reconcile bank accounts
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Front Office Agent
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Jan 2011 - Aug 2014
• Sell, process and confirm room reservations using selling techniques and strategies • Assist guests with issues and complaints • Post charges to guest accounts as designated • Provide accurate statements to guests and collecting all due payments • Petty cash holder • Reconcile bank accounts • Sell, process and confirm room reservations using selling techniques and strategies • Assist guests with issues and complaints • Post charges to guest accounts as designated • Provide accurate statements to guests and collecting all due payments • Petty cash holder • Reconcile bank accounts
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Front Office Agent
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Jan 2010 - Dec 2010
• Sell, process and confirm room reservations using selling techniques and strategies • Assist guests with issues and complaints • Post charges to guest accounts as designated • Provide accurate statements to guests and collecting all due payments • Petty cash holder • Reconcile bank accounts • Sell, process and confirm room reservations using selling techniques and strategies • Assist guests with issues and complaints • Post charges to guest accounts as designated • Provide accurate statements to guests and collecting all due payments • Petty cash holder • Reconcile bank accounts
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Education
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Université de Bordeaux
Master of Business Administration (MBA), Finance -
Lebanese Canadian University
Bachelor of Business Administration (B.B.A.), Accounting and Auditing -
Morgan international
Chartered financial analyst (CFA), Finance and Financial Management Services -
Saint Paul
Lebanese BACII section SV, Science de la vie