Ahmed Aldaly

• Builds a strong risk management framework for Egy Lease, bringing together a number of teams ( credit administration operations, risk assessment, credit analysis / underwriting, credit invstigation, and remedials and collections.) and managing the enterprise wide risk.
• Develop, manage and refine qualitative and quantitative risk reporting which meets the needs of the Board, in order to support effective decision making.
• Set a positive culture of confident and informed risk-taking through training, communication and promotion of the agreed risk framework.
• Work closely with the CEO, CFO, BDH, and other executive and non-executive committee members, senior managers across the business and representatives of the shareholder such as Board committees and related subcommittees (mainly Risk Committee) which can achieve growth targets safely.
• Evaluate potential operational risk from employee’s errors or system failures that could interrupt business process, then develop processes to both reduce exposure to these risks and adequately respond when these issues occur.
• Establish a comprehensible risk tools including grading systems fitting selected target custsomers, such as Corporate ratings, SME’s scoring models and related credit approvals templates.
• Continuously developing, enhancing and embedding the risk framework for managing risks across the organization, ensuring that processes are fit for purpose.
• Establish overall risk framework and main principles as well as approval committee structures through developing of Egy Lease Charter Policy and other risk and credit policies
• Providing essential input as a member of senior management and the executive team and credibly challenging the management of current issues and the development and implementation of strategy.
• Work hardly to achieve the company's vision, mission and values.

• Restructuring the SME’s Banking and the following is achieved:
 Developed new SME’s five-years business plan and presented to Executive team for consent.
 Introduced a new approach for SME’s based on product programs with a well defned target market.
 Prepared new SME’s program and the governing set of policies and procedures, including all related forms and templates for account maintenance as well as scoring sheet for selection of customers.
 Reviewed program and procedures with concerned departments including, corporate banking, credit risk, internal audit, credit adminstration, Executive team.
 Achieved Executive Committee approval on new SME’s program and related procedures manual in March 2014.
• Approve credit proposals (CPs) of SME’s customers per delegated authority and product program approval process.
• Provide feedback into business and credit program & process development, where appropriate.
• Ensure the right controls in the process and have an effective MIS in place to monitor the portfolio and guide it towards better performance.
• Work with business team, providing post program application based coaching and discussion, where appropriate to ensure effective development and delivery of customized risk solutions for customers.
• Proactively contribute to change management initiatives in support of process and quality improvements, cost reductions and development of people.

• Restructuring the SME’s Banking and the following is achieved:
 Developed new SME’s five-years business plan and presented to Executive team for consent.
 Introduced a new approach for SME’s based on product programs with a well defned target market.
 Prepared new SME’s program and the governing set of policies and procedures, including all related forms and templates for account maintenance as well as scoring sheet for selection of customers.
 Reviewed program and procedures with concerned departments including, corporate banking, credit risk, internal audit, credit adminstration, Executive team.
 Achieved Executive Committee approval on new SME’s program and related procedures manual in March 2014.
• Approve credit proposals (CPs) of SME’s customers per delegated authority and product program approval process.
• Provide feedback into business and credit program & process development, where appropriate.
• Ensure the right controls in the process and have an effective MIS in place to monitor the portfolio and guide it towards better performance.
• Work with business team, providing post program application based coaching and discussion, where appropriate to ensure effective development and delivery of customized risk solutions for customers.
• Proactively contribute to change management initiatives in support of process and quality improvements, cost reductions and development of people.

Currently estabishing the SME’s Banking Risk Management including the prepartion of the following:
Orgchart, Credit Program and related set of policies and procedures, target market and segmentation, etc
Achievements till date include:
• Prepared and conducted the Risk Reward template for the target market selection and segmentation of the SME's Business Model
• Developed the Wallet Sizing and provided data for the model to calculate the expected NBD's share in the Wallet of SME's
• Conducted some market survey's for SME's Competitive and Customers Analysis
• Developing the SME's Credit Program including the setting of Customer Selection Criteria, Credit Acceptance Criteria, Program Triggers and Caps
• Preparing the set of policies and procedures for governing the SME's Business including, roles & responsibilities, approval process, credit mintenance, collateral monitoring and portfolio management.
• Working with NBD’s assigned advisor to establish the SME business model and set the SME strategy .

• Recommend and approve the Recovery Management Unit (RMU) settlement proposals as per approved delegation authorities
• Work closely with the RMU in organizing Other Real Estate Owned Assets available for sale, either in auctions or direct sale, and approve sale proposals from RMU.
• Implement RMU related policies, standards, processes and procedures
• Conduct monthly review of the RMU portfolio with recommendations to the CRO and CEO
• Review periodical reports (Classified Credit Reports) of remedial names including action plans and strategies within High Risk Review meeting with the bank senior management
• Assign external appraisers (within Central Bank of Egypt’s approved list) either for valuation of assets to be accepted for settlements or periodical review of collaterals value
• Member of the provisioning team assigned to collect data on recommended provisions for the bank various portfolios and present to the provisioning committee for approval, each quarter.

• Assist team members in Corporate Risk Management work streams within the overall role of ABN AMRO in its mandate to restructure Banque Misr.
• Established an Obligor Risk Rating Model for Banque Misr’s Corporate clients and developing a second version of the rating model as a initial step to establish PD .
• Develop a new Credit Proposal Memorandum and Independent Credit Risk Advice formats for Banque Misr’s Corporate clients.
• Develop with team members Risk Charter for Banque Misr.
• Co-ordinate with Banque Misr staff to establish Credit Administration & Control Department.
• Established a corporate loan approval process to be automated from initiation till approval and implementation.

• Study & Review Credit Proposal Memorandum (CPM) of MIBank’s corporate clients for accuracy and evaluate credit risk & make the appropriate recommendations to the appropriate credit committee.
• Review credit risk rating of corporate clients and make the appropriate recommendation.
• Review the quarterly Central Bank of Egypt (CBE) Consolidated Risk report and make appropriate recommendations for change if needed.
• Study & review Non Performing Loans (NPL) CPM and quarterly reports and make appropriate recommendations.

• Preparing and presenting credit packages, including facility structure, financial and risk analysis.
• Preparation of proper documentation, and reviewing of loan contracts.
• Conducting market research of various sectors in the Egyptian market.
• Close monitoring of service levels and utilization of approved limits and contact clients to undertake the appropriate action.
• Developing and maintaining corporate relationships of the existing accounts.
• Soliciting new borrowing as well as depository relationships through marketing efforts.
• Preparing monthly and quarterly reports, in addition to statistical monitoring of the performance of handled credit cases and assuring compliance with bank’s credit policy and CBE regulations.

 Preparation of the offering memorandum including the company’s analysis and valuation.
 Conducting macro economic and industry research.
 Collecting all historical data concerning the company’s operations and financials, and its internal structure in order to determine its efficiency and current status.
 Highlighting the problems facing the company and exploring all possible solutions.
 Restructuring the company’s future financial statements according to the new suggested solutions.
 Conducting several scenarios for the company’s performance during the forecasted period.
 Applying different valuation models, to come up with the average value of the company.
 Preparing presentations and approaching potential clients to market for the transaction.

 Soliciting new borrowing as well as depository relationships through direct marketing efforts.
 Developing and maintaining corporate relationships of the existing accounts as the major account officer.
 Preparing and presenting credit packages, including facility structure, Financial and risk analysis, along with preparation of proper documentation.
 Conducting market research of various sectors in the Egyptian market.
 Close monitor of service levels and good utilization of approved limits and contact clients to undertake the appropriate action
 Preparing monthly and quarterly reports and statistics monitoring the performance of handled credit cases and assuring compliance with bank’s credit policy and CBE regulations