Ahmed Mahmoud

* Leading the team to evaluate clients’ credit data and financial statements to determine the degree of risk involved in lending money to them. Preparing reports about the degree of risk in lending money to clients. Analyzing client records and using data to recommend payment plans
- Effectively conferring with Credit Associations and References to exchange credit information with clients
- Tracking and evaluating the financial status of clients by producing financial ratios through computer programs
- Filing and submitting Loan Applications to Loan Committees for their approval, including credit analysis and loan request summaries
* Helping Supply Chain, Sales, and Marketing Departments in managing financial orders to help them control credit exposure, make payments on time, and reduce the risk of customer disputes. Ensuring no fresh NPL Addition in the portfolio and reduction in existing NPLs
* Ensuring that all assigned team business targets / a balanced growth is achieved in financing to all segments under SME Division i.e., SME, Commercial/Corporate and in particular Financing against SBP Schemes
* Leading efforts for onboarding of New to Bank Customers, establishing new relationships, strengthening, and deepening relationships with existing customers, aimed at the achievement of revenue growth and profitability targets
* Identifying business opportunities to grow Funded and Non-Funded Business, structure proposals, negotiate terms and determine security arrangements. Providing appropriate financial advice and solutions to both existing and prospective clients
* Spearheading Credit Administration, facilitating Documentation and Disbursement of PMKJ Portfolio, effectively ensuring:
- Proper Screening of the customer is conducted to ensure his/her eligibility for the Bank Products & Services
- Credit Discipline is maintained in line with the Bank’s CPM, Policies & Procedures
- Preparation and processing of credit proposals/ renewals relating to assigned relationships
- Financial Analysis and credit risk assessment in conformity with the Bank’s Policy and SBP Prudential Regulations
- Meeting of Turnaround Time defined by SBP or Internal Procedures, PPMs for credit processing
- Timely completion of all Pre - Post sanction/disbursement formalities relating to assigned credit relationships
- Prompt communication of any change in terms & conditions of the products to the customers
- Secrecy of customer’s information, housekeeping of portfolio at 100% regularized level
- Satisfactory Audit Rating and timely resolution of Audit/ SBP observation
* Diligently ascertaining that Special Attention is given to the needs of vulnerable persons, fair and equal treatment is provided to all customers in line with Bank’s Policies, Procedures and PPMs
* Liaising with other Business Units for Business Leads, driving cross-sell with other Business Groups/Divisions through the marketing of Deposits, RFD/ACD Products, Cash Management Mandates, ensuring achievement of financial and non-financial objectives of the Division
* Ensuring timely recovery of installments/mark-ups and other bank charges, maximum collection (at least 90%) is achieved in the first 30 days of the quarter, by regularly visiting existing customers in the region
* Monitoring compliance to terms and conditions of the approved credit packages, record updating in respect of insurance policies, stock reports, valuation reports and audited accounts (if required) etc. of the assigned relationships
* Enabling the customers in making an informed decision by presenting the best available options to cater his/her needs, and assisting them efficiently if they require alternatives. Conducting periodical business calls to the customers and submission of business call/ visit reports

* Screened Proposed Customers against Target Market Plan and Risk Acceptance Criteria, to initially identify credit risk appetite for obligors and setting the facility structure, subject to Business and Risk Management approvals and the Wholesale Bank Policy
* Provided Business Analyst with client information, financial statements, and relevant data for CA reviews (Annual, Initial, and Interim)
* Reviewed /Approved extensions of Credit and ensured that the data within these extensions of credit are accurate and that they are designed with the appropriate requested facility package and that all credit risks are properly addressed
* Ensured that extensions of Credit are consistent with the relationship profile, follow Regulatory Limits, Central Bank of Egypt guidelines, and endorsed the risk /reward balance. ensured that appropriate obligor/facility risk ratings were in line with the Risk Ratings Policy of the Bank
* Conducted regular accounts follow-up assisted by periodical reports to avoid the manifestation of past dues, excess and the breach of terms and conditions of the approved facilities
* Tracked changes in the risk position of the clients using renewal and monitoring tools, and communicated to Business and Risk Managers
* Maintained regular contact with customers to sort any internal/ departmental issues with immediate action, supported CSU Service Unit to serve customers in the best way, as per approved SLA
* Led Periodic Client Calls /Site Visits as well as documented client calls with the frequency indicated in the Credit Analysis Section
* Built customer loyalty and promoted brand identify by providing excellent customer service via regular updates and reviews on the bank’s range of financial products as well as customers’ financial needs
* Provided quality service to clients, closely followed-up and ensured the processing of all requests (new facilities, increase of existing facilities, amendments, waivers, operations request) up to their satisfaction duly within SLAs without deviation
* Conducted Marketing Calls to screen the market and approach potential relationships. Identified expansion opportunities with existing clientele base to achieve portfolio growth as well as provided Product Specialists with qualified referrals for cross-sell
* Provided a wide range of Treasury, Cash Management, Trade & Corporate Finance Products and Solutions
* Evaluated Past Dues Report and take any required action, after consulting with the Unit Head / Wholesale Bank Head
* Initiated Credit Checking and Central de Risqué - CBE requests, and ensured their completeness by the time of the credit approval
* Provided recommendations to improve the current procedures/ processes and ensure that work is carried out in an efficient manner

* Assessed Credit Applications and cross-checked them with the internal criteria. Helped to enhance the quality of Credit Applications and made recommendations about any procedural/policy change
* Managed the preparation of Credit Facility Memos, assessed, analyzed, and interpreted financial information, read financial briefings, performed risk assessment analysis, visited clients, using the credit-scoring system for small credit amounts
* Conducted in-depth research of historical financial data, analyzed, and reported the company’s current financial statements and reports
* Managed Bank Agreements / Mandates and Fee Structure with Banks / Bank Covenants, Group Cost of Debt / Optimum Debt Structure
* Understood key business drivers, tracked KPIs, prepared financial reports and assisted Project Teams with financial guidance
* Performing Research and Analysis, developed financial projections and supported the underwriting of loan requests and annual reviews
* Provided analysis of SBU Financial Statements and ensured that all data entry is accurate and complete
* Interacted with current loan/credit customers, prospects, and bank lending officers for streamlined work operations
* Served as a Consultant in the Treasury Division regarding credit matters and related meetings and projects
* Facilitated the decision process for Credit Lines exceeding the local competencies with Headquarters, if applicable
* Analyzed loan data provided by customers, credit bureaus and bank records on new, renewal, and existing loans to ensure loan worthiness
* Prepared Spreadsheets, Summaries, Reports, and Opinions for Loan Officers and Loan Committees to aid sound credit decisions on new, renewal, and existing loans. Reviewed legal documentation and ensuring proper administrative follow-up of credit- decisions

* Managed customer services requests, marketing of banking retail products, acquiring new clients, while meeting onboarding criteria
* Identified key contacts at potential client companies to establish and foster good relationships for business growth
* Drive cross-sell or upsell to existing clients, resolved any customer complaints in a prompt and professional manner
* Successfully exceeded the yearly target by 50% (Banking Liabilities), in the first year itself of joining the bank
* Got promoted to Senior Customer Service & Sales Executive and entrusted to give induction for the new staff who joined the bank