Travelling
Omer Zahid
Credit Analyst
Budapest,Hungary
Summary
Forward-thinking Credit Analyst with customer correspondence and credit analysis expertise. Offering more than 2 years of resolving credit disputes and making recommendations on bad debt accounts.
Overview
5
5
years of professional experience
23
23
years of post-secondary education
2
2
Languages
Work History
Kitchen Worker
SET -CORPORATION HU KFT.
Budapest, Hungary
05.2022 - Current
- Made food according to standard recipes with requested changes for customer satisfaction.
- Maintained clean, trash-free workspaces to maximize productivity and safety.
- Inspected equipment, refrigerators and warming lamps to check compliance with safe operating levels.
- Followed proper handling and sanitation procedures to comply with food safety standards and protocols.
- Learned other teammates' work tasks to train as backup.
- Prevented food spoilage by monitoring dates, rotating stock and following proper storage procedures.
- Cleaned and sanitized dishes and utensils, consistently keeping adequate supplies on hand for expected customer loads.
- Chopped vegetables, seasoned meats and mixed cake batter ahead of time in preparation for dinner rush.
- Decreased food expenses by using local ingredients, defining standards for portion size and reducing waste.
Account Manager
James Abrahim Kft.
Budapest, Hungary
06.2019 - 11.2020
- Delivered engaging and polished presentations to build connections with potential customers and distinguish business from competitors.
- Secured high-value accounts through consultative selling, effective customer solutions and promoting compelling business opportunities.
- Facilitated client satisfaction and renewed customer relations to drive growth.
- Capitalized on emerging trends to reap benefits during growth stages.
- Developed pipeline to monitor sales progress and boost company revenue.
- Developed innovative and creative sales pitches to expand prospect understanding of company.
- Set clear sales goals to identify activities and behaviors to advance sales process and close deals.
Credit Analyst
Bankislami Pakistan Limited
Karachi, Pakistan
08.2016 - 01.2018
- Assessed credit risk and analyzed financial statements.
- Conducted presentations to upper management and executive teams for loan recommendations.
- Reviewed customer files on regular basis to make sure receivables were in sound condition.
- Contacted customers and requested financial documentation.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Controlled credit exposure by providing financial order management support to minimize risk and obtain timely payment.
- Gathered loan documentation for underwriting.
- Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
- Improved understanding of financial statements, which helped in assessing risk.
- Placed customer accounts on hold due to past due payments.
- Performed credit reviews on corporations to assess financial conditions.
- Complied with internal controls and government regulations.
- Minimized accounts receivable collections and reconciled customer billings and statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Made decisions and recommendations about extending lines of credit.
- Used coordination and planning skills to achieve results according to schedule.
- Worked flexible hours across night, weekend and holiday shifts.
- Maintained excellent attendance record, consistently arriving to work on time.
- Offered friendly and efficient service to customers, handled challenging situations with ease.
- Resolved conflicts and negotiated mutually beneficial agreements between parties.
Customer Service Officer, Operations Department
Bankislami Pakistan Limited
Karach, Pakistan
04.2014 - 08.2016
- Provided primary customer support to internal and external customers.
- Worked in matrix management environment with oversight of division level managers, operations, sales, finance, human resources, safety and compliance.
- Managed payments, updated account balances and discussed subsequent payments with customers to keep accounts on track.
- Counted cash drawers and deposits, checked supplies and completed any other required opening or closing task to facilitate smooth team operations.
- Communicated with clients regarding account services, statements, and balances.
- Responded to customer calls and emails to answer questions about products and services.
- Established and accurately prepared customers accounts to complete new purchases.
- Addressed customer complaints and mitigated dissatisfaction by employing timely and on-point solutions.
- Completed data entry to record call notes, suggestions and questions.
- Offered basic technical support for clients on wide range of company products.
- Helped large volume of customers every day with positive attitude and focus on customer satisfaction.
- Used company troubleshooting resolution tree to evaluate technical problems and find appropriate solutions.
- Spearheaded department training to enhance employee performance and boost employee productivity.
- Updated account information to maintain customer records.
- Introduced new methods, practices and systems to reduce turnaround time.
- Collected and analyzed customer information to prepare product or service reports.
Education
Master of Science - Strategic International Management
International Business School
Budapest 02.2018 - 09.2021
Master of Science - International Management
University of Buckingham
United Kingdom 02.2018 - 09.2021
Bachelor's of Commerce - Account And Business
University of Karachi
Pakistan 01.2009 - 03.2013
High School Diploma -
D.A Degree College
Pakistan 01.2006 - 08.2007
Some College (No Degree) - Primary Education
Foundation Public School
Pakistan 08.1992 - 03.2003
Skills
Financial statements expertise
Credit decisions
Lending regulations
Data Entry
Written Communication
Excellent Communication
Planning and Coordination
Problem-Solving
Experienced with Oracle software
Commercial and consumer clients
High risk account reviews
Analytical and Critical Thinking
Interests
Cooking
Research on Crypto Assets
Cricket
Timeline
Kitchen Worker
SET -CORPORATION HU KFT.
05.2022 - Current
Account Manager
James Abrahim Kft.
06.2019 - 11.2020
Master of Science - Strategic International Management
International Business School
02.2018 - 09.2021
Master of Science - International Management
University of Buckingham
02.2018 - 09.2021
Credit Analyst
Bankislami Pakistan Limited
08.2016 - 01.2018
Customer Service Officer, Operations Department
Bankislami Pakistan Limited
04.2014 - 08.2016
Bachelor's of Commerce - Account And Business
University of Karachi
01.2009 - 03.2013
High School Diploma -
D.A Degree College
01.2006 - 08.2007
Some College (No Degree) - Primary Education
Foundation Public School
08.1992 - 03.2003