Credit risk officer
National Bank of Egypt
مجموع سنوات الخبرة :12 years, 7 أشهر
Credit Evaluation: 75%
-Analysis of Decisions on new credit and annual review packages.
-Ensure adhering to approved policies and strategy set by the management as well as CBE guidelines.
-Verify all the necessary documents required to implement the credit review and assessment.
-Review and conduct financial models for new and existing SME's clients and conduct financial analysis including ratio and trend analysis to assess the companies’ financial performance such as liquidity, profitability, activity, capital structure and credit history, in addition to other factors as income growth, quality of management, market share, and potential risks of industry, which form an integral part of credit proposals.
-Analysis data with emphasis on the economic and market outlook, strengths and weaknesses, feasibility of business forecasts, securities and collateral offered; and check if the credit proposals are fully justified by all the supplied data.
-Prepare risk ratings for SME's customers.
-Present recommendations to the concerned credit committee concerning risks inherent in proposed credit facilities and propose ways for mitigating said risks, moreover, to ensure that the presented facility package and structure is consistent with the company's field of activity and its financial position and performance.
-Ensure that portfolio growth is consistent with branches targets through the increase in good loans and facilities of existing and new clients.
Portfolio’s Quality: 10%
-Manage and follow up a portfolio to ensure its quality.
-Communicate with branches to follow up with clients to pay excesses.
-Coordinate with branches to reschedule facilities, float clients when needed.
Decsion making support: 10%
-Prepare monthly reports indicates industry, geographical concentration in portfolio and percentage of excesses, reschedules, NPLs, expired facilities, newly granted and other indicators and suggest recommendations.
- Prepare SWOT and peer analysis of client in the same activity/industry.
-Suggest improvement for scoring models and early warning systems.
Development of learning system:5%
-Deliver new experience to other team members.
-Suggest and participate in designing technical training.
- Help client to define financial and investment needs and provide financial solutions.
- Presenting and selling bank’s products.
- Do promotion visits to clients’ workplace and call prospect clients.
- Handle and provide solution over customers’ complains and queries.
- Perform detailed audit work. - Obtain audit evidences. - Prepare audit files and paper work. - Prepare financial statements. - Reference, cross reference and review of financial statements. - Translate financial statement Arabic-English. - Assess internal controls and draw flowcharts. - Conduct researches concerning accounting related consultants. - Help in preparing management letters. - Help in preparing audit planning. - Assist audit seniors.
Summer Internships: - Bank Misr Customer Service and Credit Department from 11th of July to the 11th of September 2010. - NSGB Bank Customer Service form 16th of August to the 17th of September 2009. • Help customer service agents in serving customers, open accounts. - JUHAYNA Food Industries at Treasury Department from 1st of July till the 15th of August 2009. • Handle letter of credit preparation paper. • Participate in filing documents. • Help in preparing reports. Professional Courses: • ITI EDU Scholarship - Ministry of Information Technology at Cairo University-Voice track. Professional Simulations: • Ernst& Young Accounting and Auditing Simulation 2010 at American University in Egypt AUC. • PriceWaterHouseCoopers PWC Auditing Simulation 2009 at Cairo University. Extracurricular Activities: • Participated as delegate of Stock Market Simulation SMS in ICGE 2012 at American University in Egypt AUC. • Participated as delegate of Business Crisis Simulation BCS in ICGE 2011 at American University in Egypt AUC. • Member of SIFE 2010 at Faculty of Political and Economical Sciences Cairo University. • Participated as delegate of ICGE’10 CAA Art of Advertising in International Conference on Global Economy at American University in Egypt AUC. • Participated as Moderator of Academic Committee in Economics and Banking Council in Tshanj 2010 at Faculty of Political and Economical Sciences Cairo University. • One of Economy directors in World Trade Organization 2009 a student activity at Faculty of Commerce English Section Cairo University. • Participated as Auditing delegates of Conference on Marketing and Economic Trade COMET’2009 a Student Activity at Faculty of Commerce English Section Cairo University. • Participated as Marketing delegates of OUR VISION model 2008 a student activity at Cairo University.