Hamza Barkouch

Credit Analyst @NEC Corporation

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.