Deputy Chief Executive Officer
Al-Tawfeek Leasing Company-Egypt S.A.E (A.T.LEASE
Total years of experience :35 years, 5 Months
-Manage Al Twafic leasing company one of the biggest leasing company in Egypt market with total assets around 5 billion
-Review, all credit cases submitted by the Credit analysis & Marketing Team with the aim to take a credit decision, which ultimately protects the company and reduces the credit risks of the deals.
-Review Company portfolio to ensure maintenance of credit quality and risk rating of existing customers and monitor any deterioration.
-Coordinate with the legal advisor in case of any legal action to be taken against any of the defaulted customers.
-Establish the Record / filling policy (Due Diligence).Through review periodically all internal company documentation and forms related to credit risk with the aim of continuous enhancement.
- Establish the Operation Risk Policy (Due Diligence). & activate this function,
-stablish the Market Risk Polices and Procedures”
-Establish the policies and procedures and responsible for the investigation unit, including interacting with outsourced investigation companies& activate this function internal
-Establish a clear pricing strategy and Asset Risk Strategy in association and coordination with the Credit & Marketing Head.
-Establish the Company policies, procedures, and triggers for “Remedial Management”, also taking full responsibility of this task.
-Provide periodic/quarterly credit risk training to all associated individuals in the company with this significantly important topic.
-Review and develop the procedures for accurate execution of the credit approvals including the execution of all terms and conditions of the study and any additional conditions approved by the different Credit Committees and the Board of Directors.
Ensure all provisions policies are adequate.
Major Responsibility:
# Handling part of bank portfolio ( responsible for a quarter of all bank portfolio ) .
•Developing & maintaining customer relationship .
•Reviewing & analyzing the customer needs & credit determining how to fill them.
•Review and structure accredit package with a full credit analysis fulfill the customer need.
•Monitor the account movement to watch out for problems prepare marketing objectives for slicit potential customers.
•Monitor all the operation transaction for customer
More than 30 courses in many field like Credit - Marketing- Risk , some local & other abroad ( UK -Austria - Nederland) started from 1988 ;- -Egyptian Institute Of Directors Corporate secretary- 2010 -Maecusevans -Austria Minimizing Risk In Leasing-2010 -American Academy of Financial Management(USA)-Certified credit Manager 2009 -American Academy of Financial Management(USA)-Certified project & contract Risk Manager- 2009 -American Academy of Financial Management(USA) Certified Operational Risk Manager- 2009 -Amembal & associates Winning With Leasing- 2009 -IFC-Risk Governance, The Board’s Response to Economic & Company Crises -American Academy of Financial Management(USA)Certified Risk analyst 2008 -Trend the stock forum -Islamic Banking& Finance Program 2008 -EEgyptian Leadership Training-Myers Briggs Type Indication Workshop-2005 -ABN Amro WCS Academy- Amsterdam- Holland-Credit Risk Management Course For FIPS clients -2005 -Egyptian Banking Institute-Bases of Obligor Risk Rating& Provisions Formation-2005 -International Association for Continuing Education and Training-The 7HABITS of Highly Effective People-2005 -Egyptian Banking Institute-Money Laundry-2004 -
•B . of Commerce – May , 1984(Acc.) Cairo University With All Degree ( Excellent )