عصام اللبان

-Verifying all clients' transactions short, medium & syndications.
-Monitoring every credit action, dues and past dues for all sectors.
-Preparing or reviewing all reports sent to top management.
-Verifying approved limits against transactions.
-MTL calculation, implementation and control.
-Control and monitor any excesses over approved limits.
-Verifying trust receipt creation (refinance).
-Supervising custody of all contracts and promissory notes needed to activate approved facilities and loans.
-Ensure that the functional area complies with the Internal Control and the Credit Procedures and report discrepancies to the management for rectification and compliance.
-Monitoring applying all customers accounts’ terms and conditions.
-Monitoring usage of all customers’ accounts and positions.
-Verifying profit margin (client’s pricing) for all products fixed and variable.
-Improving clients’ files quality in custody area.
-Monitoring credit facility documentation for all customers, particularly Corporate Banking, High net worth,
Institutional and Foreign customers maintaining credit controls.
-Help improving and updating current system usage to optimum.
-Warehouses Operations (open - close) control.

-Islamic System Portfolio.
-Issuing & implementing Operational Risk System for all credit products.
-Preparing & operating an early warning system observing all clients (Corporate & Retail).
-Monitoring every credit action.
-Preparing or reviewing all reports sent to top management.
-Verifying approved limits.
-MTL calculation, implementation and control.
-Control and monitor any excesses over approved limits.
-Monitoring fulfilling loans and loans’ covenants each in its course.
-Reviewing all contracts and promissory notes needed to activate approved facilities and loans.
-Ensures that the functional area complies with the Internal Control and the Credit Procedures and report
discrepancies to the management for rectification and compliance.
-Processing all insurance polices life and property (issuance & renewing in due course).
-Soul negotiator with insurance companies regarding products terms and pricing.
-Monitoring applying all customers accounts’ terms and conditions.
-Monitoring usage of all customers’ accounts and positions.
-Handling and monitoring customers’ mortgages, insurance and loans.
-Handling all customers database.
-Calculating & fulfilling specific and general provisions.
-Verifying profit margin for all products fixed and variable.
-In charge of implementation of all Audit notes for credit files.
-Improving clients’ files quality.
-Monitors credit facility documentation for all customers, particularly Corporate Banking, High net worth,
Institutional and Foreign customers in order to maintain credit controls.
-Help improving and updating current system.
-Help improving and updating documentation for all clients (Corporate & Retail).

-Reviewing facilities proposals for all sectors for grants and renewing (Corporate SME's).
-Preparing & operating an early warning system observing all clients.
-Applying Fundamental Monitoring Points (FMP) to all clients monitoring every credit action.
-Preparing or reviewing all reports sent to head office in Paris.
-Verifying issuance of approved limits.
-MTL calculation and control.
-Control and monitor excesses over approved limits.
-Develop and periodically review credit risk management, improving current policies.
-Monitoring fulfilling loans and loans’ covenants each in its course.
-Reviewing all contracts and promissory notes needed to activate approved facilities and loans.
-Monitoring applying all customers accounts’ terms and conditions.
-Monitoring usage of all customers’ accounts and positions.
-Handling and monitoring customers’ mortgages, insurance and loans.
-Monitoring facilities and guarantees expiry dates.
-Handling all customers database.
-Calculating & fulfilling specific and general provisions.
-In charge of coordinate all audit missions (Internal - External - Central Bank Of Egypt).

-Reviewing facilities proposals for all sectors for grants and renewing (Corporate SME's).
-Fulfill all contracts and promissory notes needed to activate approved facilities and loans.
-MTL calculation and control.
-Control and monitor excesses over approved limits.
-Verifying issued approved limits.
-Monitoring applying all customers accounts’ terms and conditions.
-Monitoring usage of all customers’ accounts and positions.
-Handling and monitoring customers’ mortgages, insurance and loans.
-Monitoring facilities expiry dates.
-Handling all customers database.

-Launching and marketing facilities & loans that achieve high profit to my organization.
-Develop and manage clients’ relationship in accordance with plan.
-Handling about 950 million Egyptian pounds of bank portfolio (direct, indirect facilities and loans for Corporate, SME’s & Retail).
-Managing &/or leading syndication loans with other banks.
-Analyzing financial statements & determine each customer needs and the right structure to
Finance its need.
-All types of risk analysis.
-Dealing with recovery clients about 30% of my portfolio (Corporate - SMEs- Retail).

-Handling export/import shipping documents.
-Registering and approving contracts and supply orders.
-Collecting checks and bills in foreign currencies.
-Funds transfer through swift system.