Hamza Barkouch
Credit Analyst–NEC
- Role
- Credit Analyst at NEC Corporation
- Location
- Jersey City, NJ, US
- LinkedIn followers
- 500 followers
About Hamza Barkouch
A recent graduate from Rutgers University with a Bachelor of Science degree in Finance, I…
Experience
Credit Analyst
Nov 2024 — Present · Saddle Brook, NJ, US
Underwrite 50+ equipment-finance transactions each week—ranging from sub-$20K micro-ticket leases to $5MM+ large-ticket loans—analyzing audited/interim financials, cash-flow drivers, and guarantor data (PayNet, D&B, Equifax SBFE, Cortera) to set credit limits within authority.Co-developed an automated workflow for micro-ticket applications (<$20K), eliminating manual data entry, increasing daily processing capacity, and freeing analysts for higher-complexity deals.Monitor an $80MM+ portfolio and collaborate with A/R to sustain historically low delinquency levels, ensuring portfolio quality and audit readiness.Serve as the credit team’s litigation liaison for troubled accounts, tracing personal-guarantor assets (idiCore, UCC, court dockets) and coordinating with outside counsel to craft payment-plan or lump-sum settlement structures that maximize recovery and minimize legal costs.
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