Assem Zahran is a Finance and HR manager for Mokasco Express in Doha, Qatar with over 10 years of experience in finance, accounting, credit administration, internal auditing and human resources. He holds a BA in Accounting from Assiut University in Egypt and has completed credit and AML courses. Assem is responsible for the financial management and reporting, cash flow, budgeting and efficiency savings at Mokasco Express. He also handles human resources functions such as recruiting, benefits administration, and personnel matters. Prior to his current role, Assem worked as a Credit Administration Manager at ABC Bank in Egypt where he underwrote loans, monitored portfolios and ensured compliance with credit policies.

1. Assem Zahran
Ezdan 4 Building 5 Flatt 22, Wakra, Qatar
Assemzahran30@gmail.com
(+974) 55093866
EDUCATION
2013 – 2014 Credit Course Egypt
ABC bank (chase Manhattan Program)
2013 – 2014 AML course & refreshment
EBI, Cairo
2001 – 2006 BA in Accounting,
Faculty of commerce
Assiut university
WORK EXPERIENCE
2014 – current Finance & HR manager, Mokasco Express, Doha
 Responsible for the financial management of a portfolio of operational and
support service budgets.
 Produce monthly management accounts and support managers on all aspects
of budgetary control, including financial training and support.
 Monthly and quarterly monitoring reports.
 Financially appraise projects and advice the Management Team on cost/benefit
 Analysis and related financial risk
 Identify, monitor and report efficiency saving s across all budget areas
 Assist them in all aspects of Internal and External Audit, including the completion
of Year End Accounts
 Ensure compliance with financial regulations and procedures
 Manage and monitor the organization’s cash flow and prepare regular cash
flow forecasts
Human Resources Duties and Responsibilities
 Identify staff vacancies, assist with job descriptions preparation, place
 Advertisements, conduct interviews, perform background checks, and
select/recommend applicants.
 Management HR systems and programs and ensure compliance with leg al
requirements.
 Provide current and prospective employees with information about
compensation and benefits policies, job duties, working conditions and career
development.
 Assist with preparation of leg al agreements for employees and outside
contractors.
 Assist the Director of Operations to manage personnel matters dealing with
under staffing, referee disputes, and administer disciplinary procedures and
employee terminations.
 Advise managers on organizational policy and recommend needed changes
 Plan and conduct new employee orientation to foster positive attitude and
 knowledge of individual performance expectations towards achieving
organizational objectives.
 Serve as a link between management and employees by handling questions,
interpreting and administering contracts and helping resolve work-related

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problems.
 Maintain records and compile statistical reports concerning personnel-related
data such as hires, transfers, performance appraisals, and absenteeism rates.
 Prepare personnel forecast to project employment needs.
 Prepare and follow budgets for personnel operations.
 Develop, administer and evaluate applicant tests.
 Oversee the evaluation, classification and rating of occupations and job
positions.
2009 – 2014 Credit Administration Manager, ABC Bank, Egypt (Last position)
 Underwrite/review new commercial credit transactions in accordance with the
Banks credit policies, and recommend conforming requests to the Loan
Committee.
 Review loan documentation for approved commercial credit transactions to
ensure terms are consistent with those approved by the Loan Committee.
 Work with legal and other outside providers to make certain a loan is closed as
approved by management, in a timely manner, and that the Banks security
interest is properly perfected
 Work with other departments within the Bank to ensure new commercial credit
transactions are properly boarded on to the Banks loan servicing system.
 On-going monitoring of existing commercial transaction to ensure compliance
with all approved terms, conditions and applicable covenants (both financial and
reporting, etc.).
 Timely, accurate and effective communication to management of any potential
material risks associated with existing commercial credits in the portfolio,
including a recommendation for the appropriate course of action if warranted.
 Ensure that the LQR assigned to each commercial credit is accurate and based
on the most recent information available to the Bank.
 Oversee the preparation of the appropriate reports and forms used to
communicate the current states of commercial credits (both performing and non-
performing) to management.
 Thorough understanding of the Banks credit policy, which includes making sure
that the structure of each commercial credit transaction (at the time of
underwriting, and on an (on-going basis) is in conformity with policy, and / or
policy exceptions are noted and reported as required by policy.
 Make certain that the underlying value of all collateral is current and reliable,
particular for commercial credits determined to be a special mention or
substandard.
 Assist management in the calculation of reserves associated with the commercial
loan portfolio.
 Responsible to ensure that working loan files are current (all necessary
information is present), organized (in the format required by policy), and in a
presentable manner at all times.
 Responsible for contacting commercial borrowers in order to obtain necessary
information.
 Responsible for contacting commercial borrowers if a payment becomes
delinquent.
 Successfully be able to restructure or liquidate special mention and/or
substandard commercial credits w/in an acceptable time period.
 Assist management with other responsibilities as needed.
2007 – 2009 Internal Auditor, Expo Link, Egypt
 Auditing all of finance process
 Assure the quality of performance of the employee of finance department
 Cooperate with IMC (One of Ministry of Industry divisions)

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LANGUAGES & SOFTWARE SKILLS
 Arabic Mother Language
 English Very good
 Oracle Applications Very good
 Microsoft Applications Very good
Attachment:
Credit Course Certificate
University degree Certificate
Experience certificate from ABC Bank issued by March 2014
Other certificates will be provided upon request

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