The following departments constitute the core of CST Backbone, the CST team consists of highly trained individuals with experience in the credit field and familiar with the local market conditions; all of them having worked insurance or banking sectors with a successful track record.

• Production and selection department.
• Credit investigation and credit risk evaluation.
• Monitoring, Follow-Up and Claims Recovery Department.
• Direct relation with insured’s customers with payment delays or payment defaults.
• Claims Processing Department.
• Claim’s evaluation and process for acceptance or decline.
• Legal Department The department role mainly consists in transmitting claimed files when necessary to various specialized lawyers. This department also controls on a monthly basis legal pursuits engaged against claimed defaulters.
• Reinsurance and Statistics Department The department is in charge of preparing the quarterly reinsurance bordereaux together with general statistics to insurance companies and reinsures.
• IT Department Hardware, software and network maintenance. Assist in the programming of the new web CST specially customized software.
• Accounting Department Supervises accounts for all companies in the group.
• Quality Control Departments This department is in charge of verifying if all incoming and outgoing operations are in conformity with quality norms defined by CST guidelines.
• Regional Division This department coordinates all reinsurance matters centralized in Beirut. The regional divisions also make sure that production, follow up and claims resolution are in conformity with CST guide lines, This department is also in charge for regional development.
• Public Relations This department caters for all companies customer relations.

The concept behind Credit Systems & Techniques is to allow a natural access to competence in the credit insurance field, as no insurance company would be in a position to afford the very high running costs individually, nor to collect the necessary data under one single data base and generate enough business for it to become an attractive business proposition. Credit Systems & Techniques, is now in a unique position to tackle such an opportunity all over the Middle Eastern markets.

Credit Systems & Techniques provides practical and proven solutions to enhancing and promoting commercial and consumer credit through:

• Allowing the betterment of credit terms and conditions
• By reducing the credit risk through securitization

Backed by international specialized credit reinsurers; Credit Systems & Techniques is not only in a position to bring genuine credit solutions securitization and quality but also:

• Engineering and designing of credit products through its specialized company Byoutna.
• Credit worthiness and data analysis
• Evaluation tools
• Debts monitoring
• Bad debts recoveries

Credit Systems & Techniques offers insurance companies: Equal access to underwriting and technical expertise in the credit insurance field; A sophisticated data base and; Reinsurance along with; The confidentiality and the reliability of an independent organization, familiar with doing business in this part of the World. Credit Systems & Techniques aim is not only to administrate Credit Insurance, but also to engineer Credit plans (through one of its specialized sister company) adapted to the local market needs.

The concept behind Credit Systems & Techniques is to allow a natural access to competence in the credit insurance field, as no insurance company would be in a position to afford the very high running costs individually, nor to collect the necessary data under one single data base and generate enough business for it to become an attractive business proposition. Credit Systems & Techniques, is now in a unique position to tackle such an opportunity all over the Middle Eastern markets.

Credit Systems & Techniques provides practical and proven solutions to enhancing and promoting commercial and consumer credit through:

• Allowing the betterment of credit terms and conditions
• By reducing the credit risk through securitization

Backed by international specialized credit reinsurers; Credit Systems & Techniques is not only in a position to bring genuine credit solutions securitization and quality but also:

• Engineering and designing of credit products through its specialized company Byoutna.
• Credit worthiness and data analysis
• Evaluation tools
• Debts monitoring
• Bad debts recoveries

Credit Systems & Techniques offers insurance companies: Equal access to underwriting and technical expertise in the credit insurance field; A sophisticated data base and; Reinsurance along with; The confidentiality and the reliability of an independent organization, familiar with doing business in this part of the World. Credit Systems & Techniques aim is not only to administrate Credit Insurance, but also to engineer Credit plans (through one of its specialized sister company) adapted to the local market needs.

The concept behind Credit Systems & Techniques is to allow a natural access to competence in the credit insurance field, as no insurance company would be in a position to afford the very high running costs individually, nor to collect the necessary data under one single data base and generate enough business for it to become an attractive business proposition. Credit Systems & Techniques, is now in a unique position to tackle such an opportunity all over the Middle Eastern markets.

Credit Systems & Techniques provides practical and proven solutions to enhancing and promoting commercial and consumer credit through:

• Allowing the betterment of credit terms and conditions
• By reducing the credit risk through securitization

Backed by international specialized credit reinsurers; Credit Systems & Techniques is not only in a position to bring genuine credit solutions securitization and quality but also:

• Engineering and designing of credit products through its specialized company Byoutna.
• Credit worthiness and data analysis
• Evaluation tools
• Debts monitoring
• Bad debts recoveries

Credit Systems & Techniques offers insurance companies: Equal access to underwriting and technical expertise in the credit insurance field; A sophisticated data base and; Reinsurance along with; The confidentiality and the reliability of an independent organization, familiar with doing business in this part of the World. Credit Systems & Techniques aim is not only to administrate Credit Insurance, but also to engineer Credit plans (through one of its specialized sister company) adapted to the local market needs.

The following departments constitute the core of CST Backbone, the CST team consists of highly trained individuals with experience in the credit field and familiar with the local market conditions; all of them having worked insurance or banking sectors with a successful track record.

• Production and selection department
• Credit investigation and credit risk evaluation
• Monitoring, Follow-Up and Claims Recovery Department
• Direct relation with insured’s customers with payment delays or payment defaults.
• Claims Processing Department
• Claim’s evaluation and process for acceptance or decline.
• Legal Department The department role mainly consists in transmitting claimed files when necessary to various specialized lawyers. This department also controls on a monthly basis legal pursuits engaged against claimed defaulters.
• Reinsurance and Statistics Department The department is in charge of preparing the quarterly reinsurance bordereaux together with general statistics to insurance companies and reinsures.
• IT Department Hardware, software and network maintenance. Assist in the programming of the new web CST specially customized software.
• Accounting Department Supervises accounts for all companies in the group.
• Quality Control Departments This department is in charge of verifying if all incoming and outgoing operations are in conformity with quality norms defined by CST guidelines.
• Regional Division This department coordinates all reinsurance matters centralized in Beirut. The regional divisions also make sure that production, follow up and claims resolution are in conformity with CST guide lines, This department is also in charge for regional development
• Public Relations This department caters for all companies customer relations.

The following departments constitute the core of CST Backbone, the CST team consists of highly trained individuals with experience in the credit field and familiar with the local market conditions; all of them having worked insurance or banking sectors with a successful track record.

• Production and selection department
• Credit investigation and credit risk evaluation
• Monitoring, Follow-Up and Claims Recovery Department
• Direct relation with insured’s customers with payment delays or payment defaults.
• Claims Processing Department
• Claim’s evaluation and process for acceptance or decline.
• Legal Department The department role mainly consists in transmitting claimed files when necessary to various specialized lawyers. This department also controls on a monthly basis legal pursuits engaged against claimed defaulters.
• Reinsurance and Statistics Department The department is in charge of preparing the quarterly reinsurance bordereaux together with general statistics to insurance companies and reinsures.
• IT Department Hardware, software and network maintenance. Assist in the programming of the new web CST specially customized software.
• Accounting Department Supervises accounts for all companies in the group.
• Quality Control Departments This department is in charge of verifying if all incoming and outgoing operations are in conformity with quality norms defined by CST guidelines.
• Regional Division This department coordinates all reinsurance matters centralized in Beirut. The regional divisions also make sure that production, follow up and claims resolution are in conformity with CST guide lines, This department is also in charge for regional development
• Public Relations This department caters for all companies customer relations.

The concept behind Credit Systems & Techniques is to allow a natural access to competence in the credit insurance field, as no insurance company would be in a position to afford the very high running costs individually, nor to collect the necessary data under one single data base and generate enough business for it to become an attractive business proposition. Credit Systems & Techniques, is now in a unique position to tackle such an opportunity all over the Middle Eastern markets.

Credit Systems & Techniques provides practical and proven solutions to enhancing and promoting commercial and consumer credit through:

• Allowing the betterment of credit terms and conditions
• By reducing the credit risk through securitization

Backed by international specialized credit reinsurers; Credit Systems & Techniques is not only in a position to bring genuine credit solutions securitization and quality but also:

• Engineering and designing of credit products through its specialized company Byoutna.
• Credit worthiness and data analysis
• Evaluation tools
• Debts monitoring
• Bad debts recoveries

Credit Systems & Techniques offers insurance companies: Equal access to underwriting and technical expertise in the credit insurance field; A sophisticated data base and; Reinsurance along with; The confidentiality and the reliability of an independent organization, familiar with doing business in this part of the World. Credit Systems & Techniques aim is not only to administrate Credit Insurance, but also to engineer Credit plans (through one of its specialized sister company) adapted to the local market needs.

The concept behind Credit Systems & Techniques is to allow a natural access to competence in the credit insurance field, as no insurance company would be in a position to afford the very high running costs individually, nor to collect the necessary data under one single data base and generate enough business for it to become an attractive business proposition. Credit Systems & Techniques, is now in a unique position to tackle such an opportunity all over the Middle Eastern markets.

Credit Systems & Techniques provides practical and proven solutions to enhancing and promoting commercial and consumer credit through:

• Allowing the betterment of credit terms and conditions
• By reducing the credit risk through securitization

Backed by international specialized credit reinsurers; Credit Systems & Techniques is not only in a position to bring genuine credit solutions securitization and quality but also:

• Engineering and designing of credit products through its specialized company Byoutna.
• Credit worthiness and data analysis
• Evaluation tools
• Debts monitoring
• Bad debts recoveries

Credit Systems & Techniques offers insurance companies: Equal access to underwriting and technical expertise in the credit insurance field; A sophisticated data base and; Reinsurance along with; The confidentiality and the reliability of an independent organization, familiar with doing business in this part of the World. Credit Systems & Techniques aim is not only to administrate Credit Insurance, but also to engineer Credit plans (through one of its specialized sister company) adapted to the local market needs.

The concept behind Credit Systems & Techniques is to allow a natural access to competence in the credit insurance field, as no insurance company would be in a position to afford the very high running costs individually, nor to collect the necessary data under one single data base and generate enough business for it to become an attractive business proposition. Credit Systems & Techniques, is now in a unique position to tackle such an opportunity all over the Middle Eastern markets.

Credit Systems & Techniques provides practical and proven solutions to enhancing and promoting commercial and consumer credit through:

• Allowing the betterment of credit terms and conditions
• By reducing the credit risk through securitization

Backed by international specialized credit reinsurers; Credit Systems & Techniques is not only in a position to bring genuine credit solutions securitization and quality but also:

• Engineering and designing of credit products through its specialized company Byoutna.
• Credit worthiness and data analysis
• Evaluation tools
• Debts monitoring
• Bad debts recoveries

Credit Systems & Techniques offers insurance companies: Equal access to underwriting and technical expertise in the credit insurance field; A sophisticated data base and; Reinsurance along with; The confidentiality and the reliability of an independent organization, familiar with doing business in this part of the World. Credit Systems & Techniques aim is not only to administrate Credit Insurance, but also to engineer Credit plans (through one of its specialized sister company) adapted to the local market needs.