الموظف في البنك قال لي ان الحساب فيه مشكلة.

A natural Egyptian pronunciation would be:

el-mowazzaf fil-bank 'āl li enn el-ḥesāb fīh moshkela

A few notes:

• في البنك often sounds like fil-bank
• قال is often pronounced 'āl in Egyptian speech
• الحساب may sound like el-ḥesāb or, in informal transliteration, el-7esāb
• مشكلة is commonly pronounced moshkela

They are doing two different jobs.

• الموظف في البنك: here في means in / at
• الحساب فيه مشكلة: here فيه literally means in it

So the second part is literally something like:

the account — in it — a problem

In natural English, that becomes there is a problem with the account.

It refers back to الحساب.

So:

• الحساب = the account
• فيه = in it

Because الحساب is masculine singular, the attached pronoun is -ه.

If the noun were feminine, you would often get فيها instead.

Literally, it means:

• قال = he said
• لي = to me

So قال لي is he said to me.

In English, we often translate that as he told me, but Arabic commonly uses the structure said to me in places where English prefers told me.

Here ان means that.

So:

قال لي ان الحساب فيه مشكلة

means:

He told me that the account has a problem / there is a problem with the account.

In careful spelling, you may see إن instead. In casual Arabic writing, people very often write ان without worrying about the hamza.

In speech, many Egyptians pronounce it something like enn.

Yes, very often in everyday speech it can be omitted.

So both of these are natural:

• قال لي ان الحساب فيه مشكلة
• قال لي الحساب فيه مشكلة

The version with ان is a little more explicit, like English that. The version without it is also very common and natural in conversation.

Because Arabic usually leaves out the present-tense verb to be.

English needs a verb in a sentence like this:

• The account is problematic
• There is a problem with the account

Arabic can simply say:

• الحساب فيه مشكلة

Literally, this is closer to:

the account, in it, a problem

This is completely normal Arabic grammar.

Because فيه مشكلة is a very common Arabic way to express that something has an issue or that something is wrong with it.

Literally it is there is a problem in it, but idiomatically it means:

• it has a problem
• there is a problem with it
• something is wrong with it

So this is not strange Arabic at all. It is one of the standard everyday patterns learners should get used to.

Both are possible, but they are slightly different.

• الموظف في البنك = the employee at the bank
• موظف البنك = the bank employee / an employee of the bank

The version with في focuses more on location: the employee who was there at the bank.

The version without في sounds more like a relationship or job title: a bank employee.

In this context, English would usually say at the bank.

Arabic في often covers meanings that English divides between in and at. So although في literally means in, the best natural English translation here is usually at the bank.

It is very natural in Egyptian Arabic, but it would also be widely understood by speakers of other Arabic varieties.

What makes it feel especially colloquial and everyday are things like:

• the casual spelling ان
• the common spoken structure فيه مشكلة

So this is a good example of everyday Arabic that is very normal in Egyptian speech, while still being easy for many other Arabic speakers to understand.

Yes. Arabic allows more flexibility than English.

For example:

• الموظف في البنك قال لي ان الحساب فيه مشكلة
• قال لي الموظف في البنك ان الحساب فيه مشكلة

Both are fine.

The first version starts with the employee at the bank, so it highlights who said it.

The second version starts with said to me, which is also very natural in Arabic.

The meaning stays basically the same, but the emphasis shifts a little.