Corporate Relationship Manager
National Commercial Bank
مجموع سنوات الخبرة :26 years, 8 أشهر
Corporate Banking Division - Western Region
My duties include:
• Handling portfolio of corporate relationship with turnover between SAR 100 MM up to SAR 800 MM in various sectors (Trading, Manufacturing, Contracting). My current corporate portfolio is between SAR 750 MM to SAR 800 MM.
• Reviewing ORR, Target Market, Risk Acceptance Criteria.
• Engagement with Risk and external clients to assess and assist in structuring transactions, credit proposals, borrowing base, corporate loans.
• Ongoing, monitoring, maintenance and management of a portfolio of loans.
• Interpreting credit policies & procedures and incorporating requirements into credit analysis and lending recommendations.
• Assume lead role in preparation and input of credit papers and internal representation of transactions to the Bank’s key stakeholders, senior management and Credit Approvers.
• Liaise with internal and external legal to assist with the negotiation and documentation of facility terms.
• Identify and assist with the marketing of opportunities.
• Post deal portfolio maintenance - liaise and build strong relationships with back office and middle office Assist with ongoing preparation and accuracy of management reporting.
Corporate Banking Group - National Commercial Bank
Job Title: Credit Analysis Senior Officer - Corporate Banking Division - Western Region.
My duties include:
• Evaluating and assessing the credit quality of corporate customers in terms of financial and business risks. This included analysis, interpretation of Financial Statements using the industry/sector, analyzing of projection and sensitivity analysis scenarios.
• Co-ordinate with Senior Management in the preparation of Target Market/Risk Acceptance Criteria.
• Pro-active participation in screening the list of prospective customers and performing customers calls.
• Ensuring that the Bank Credit Risk Management policies, standards, financial covenants are adhered to by the RM and being made in line with Bank’s Lending Policy and NCB regulations.
• Conducts stress test of Corp Credit applications submitted to the Credit Committee in order to identify the risks involved in each proposition with respect to Bank’s policy & NCB regulations.
• Identify and recommend ways of mitigating Financial Risks related to Problem Credits.
• Reviews exceptional reports i.e., past dues and excess over limits to identify potentially problematic advances and follow up with RM to adopt timely measures.
• Identifies & recommends classification of slow moving and stuck-up accounts as per the criteria laid down by NCB.
• Providing on the job training to the junior RM & credit analyst in advanced Financial Analysis.
• Member of CAMS (Credit Application Management system) redesigning project representing corporate banking group.
• Helping the internal audit team to conduct an audit check as “guest examiner” on FRD (Financial Restructuring Division), this was nominated by the corporate head.
Corporate Banking Sector - Banque Misr.
Loan Remedial & Private Investment
Job Title: Senior Corporate Banker
My duties include:
• Conducting meeting and negotiation with the remedial cases to reach to acceptable and applicable settlement.
• Sharing in Remedial problems of Loan cases & financial restructures and adding my comment.
• Suggesting the restrictions, the factors, that leads to increasing the profitability of the portfolio and the efficiency of managing the portfolio via building a new relationship.
• Shared in settling remedial cases in private sectors (tourism, food industries) passed an amount of EP 190 MM.
Corporate Banking Sector "Great Cairo State division”Banque Misr
Job Title: Senior Relationship Manager
My duties include: Manages a portfolio of high growth and complex relationships. Builds client relationships and grows revenue through cross selling all Banque Misr products. Collaborates with Relationship Managers, and other Banque Misr product experts to ensure continuity of high quality service, product delivery, and responsiveness to client needs Creates and maintains effective relationships with members of the regional team to deliver good service to clients Participating in the marketing plans in the targeted corporate sectors (petroleum, Tourism, manufacturing, trading, telecommunication, construction).
Banque Misr - Overseas Branch - Corporate Dept.
Job Title: Credit Analyst / Assistant Relationship Manager
My duties include:
• In the field of Corporate Banking (studying the short and long term finance decision & determining the financial needs, creditworthiness by using: financial analysis, asset conversion cycle analysis, cash flow lending & other methods of credit risk analysis).
• Analyzing credit information of current and potential borrowers; determining the advisability of granting credit for diversified types of loans, analyzing assets in the preparation of credit packages.
• Assisting in building portfolios of corporate relationship in various sectors.
• Executing the credit facilities terms & procedure for the corporate clients by communicating with another department in the bank (Trade Service Center, Legal Affairs departments, International operation).
• Dealing with various types of collateral and mortgage.
• Managing the execution of the documentation.
• Site visit for corporate banking clients.
• Management of syndication loans.
• Sharing in tackling NonPerforming Loan cases & financial restructure.
• Sharing in executing the market plan for targeted corporate client.
• Preparing CBE monthly reports and follow-up reports to head
DEPLOMA IN FINANCIAL SERVICES AT THE EGYPTIAN BANKING INSTITUTE IN COOPRATION WITH SCOTLAND BANKING INSTITUTE
CREDIT MANAGEMENT & RISK ANALYSIS
• Credit Risk Analysis Program (Operational Unit for Development Assistant OUDA - Ministry of Foreign Affairs - Cairo). • The management of collection and problem loans ( American bankers institute – with cooperate with The Arab academy for banking and financial sciences ) • Risk Management (Banque Misr -Training Centre). • Letter of credit & letter of guarantee (Egyptian Banking Institute). • External operations (Egyptian Banking Institute). • Syndication loans (Egyptian Banking Institute). • Evaluate of feasibility studies for finance (Egyptian Banking Institute). • Financing by (BOT – BOOT) (Egyptian Banking Institute). • Derivatives (Egyptian Banking Institute). • Retail banking (Egyptian Banking Institute). • Business Report Writing (American university in Cairo). • Basel II (Alahli Training Centre - Jeddah). • Project Management (Alahli Training Centre - Jeddah). • Contractor finance. (Alahli Training Centre - Jeddah). • Principle of “Sharee’ah “ (Institute of bankers -Riyadh ). • Basics of Islamic finance “ (Alahli Training Centre - Jeddah). • Advance Islamic Finance (Alahli Training Centre - Jeddah). • International Trade Finance (Alahli Training Centre - Jeddah).
B.Sc IN BUSINESS ADMINSTRATION