Contact information

Michael M. Naccarat

4611 Nelm Street
Hyderabad – 22102

Career objective

Looking for a challenging position of the Credit Analyst in the reputed Company with a view to use my wide experience for the benefit of the organization.

Skills

• Problem solving: Proven record of ability to find solutions to large and complex problems,
• Process Improvement: Implemented process changes which helped to increase product revenue by 50%.
• Excellent Customer Service: Management of customers’ expectation resulted in a completely satisfied or very satisfied reply from all my clients in an independent survey.
• Strong Communication Skills: Experienced at communicating with all levels of external and internal customers from senior management down.
• Strong Computer Skills: Microsoft Office including as Access, Excel, Outlook, PowerPoint and Word. Wide experience of bespoke banking systems, both windows and mainframe based.
• Accuracy: Right first time essential for much of my work experience such as international payment inputting, checking, and production of lending documentation.

Career Achievements

• Completely satisfied or very satisfied reply from all clients approached in independent surveys.
• Identified money market deposit sales which lend to a short term deposit of over 1 billion.
• Process champion for IT and electronic payments, supplying one to one and group training as required improving colleague’s knowledge improving their performance and taking on complex queries to allow quick resolution.
• Decreased clients outstanding cheque error account from over 300,000 to under 1,000. This was achieved by supplying training to the client to improve their internal procedures reducing errors at source.
• Quarterly Outstanding achievement award for work resolving colleagues complex payment queries preventing losses for both Barclays and clients

Experience

Credit Risk Analyst Feb 2007 April 2010

Ryder Ltd Globe Lane.

• Analysis of company accounts in order to write a financial assessment of a customer or prospect.
• Sign-off of investment for lease customers to a given value.
• Analysis of PL and Balance sheet to produce a written report for presentation to company directors.
• Maintaining a decision to the sales force.
• Negotiation of payment terms and securities.
• Coordination with credit controllers regarding customer payment records.

Credit Analyst – for Esso France 2002 – 2006

Esso Serve Europe Ltd Exchange Quay.

• French retail market principally dealer-owned petrol stations.
• Set risk categories for new and existing customers from a set of accounts.
• Issued warnings to Sales department in France of risky companies and advised of any security required for new customers.
• Identified failed payments withdrawing credit facilities as appropriate.
• Use of SAP operating system.

Education

• 1998-2000 Financial Training Company  Bridge

ACCA level 2

• 1992-1997 University of Economical Sciences Casablanca

Degree in Economics

References

Floyd P. Olivier
Manager
Wap Company.
Floyd_oliver@gmail.com

Adverstiments