Risk Corporate Analyst
BNP Paribas Egypt
Total years of experience :9 years, 1 Months
9/2007 - 10/2009 BNP Paribas Egypt
Risk Corporate Analyst
• Assess all types of risks (related to the obligor and the facilities/transactions) in the financing requests presented by the Business line;
• Control if the proposed facilities / transactions are in accordance with BNP Paribas credit policy and in coherence with regulations;
• Recommend amendments in the structure and securities or supports whenever appropriate in coherence with the bank's risk policy;
• Assess risk development, examine the Counterparty risk rating within the framework of BNP Paribas Credit & Rating Policies;
• Give opinion on the risk & the profitability of a credit file by writing a recommendation duly supported and clearly expressed;
• Represent the credit risk department in the independent analysis with the Business line;
• Collect global market / economic information required for the proper assessment of counterparties within the assigned portfolio of business sectors;
• Help in the preparation of the report of files approved above local delegation for Board of Directors ratification during the quarterly board meetings.
9/2006 - 8/2007 BNP Paribas Egypt
Retail Credit Control and Review
* Following up with branches on any irregularities;
* Preparing monthly reports on NPL of all types of retail products;
* Preparing quarterly reports on doubtful clients and provision;
* Calculating provision and changing risk rating every month;
* Reviewing proposed facilities before validating them on system;
* Preparing and attending Retail Risk committee.
1/2006 - 8/2006 BNP Paribas Egypt
Retail Recovery Unit
* Check on daily irregularities;
* Negotiating with clients who have many unpaid beginning from 2 installments up to marginated;
* Report on daily collection.
7/2004 - 1/2006 BNP Paribas Egypt
Senior Clerk in Retail Finance Unit
* Check on line status of any applicant, whether there is any restrictions by the CBE;
* Check the track record of the employer to evaluate its financial standing for paying salaries;
* Check the documents presented and assess their authenticity and validity;
* Review the proposal and comment on irregularities;
* Recommend for approval on the files which meet our parameters.
9/2002 - 7/2004 Banque Misr
Assistant Vice Chairman (Credit, Bad debts)
• Attending meetings of bad debit clients negotiating for reasonable settlements, following up with clients and branch mangers.
• Participated in establishing new credit report.
• Participated by attendance syndicated loans
• Responsible of organizing Euromoney Forum held in Semiramis.
7/2001 - 9/2002 Allianz for life insurance
Financial consultant
* Selling long term financial plans.
* Negotiating with client to reach suitable plan.
10/2000 - 7/2001 JAT Airlines
Accountant
* Responsible for cash collection and refunds.
* Entering the sold tickets on the system.
1996 - 2000 BA, Accounting, Faculty of Commerce English Section Ain Shams University Grade: Good
1995 - 1996 Thanawia Ama, Sun Rise English School - Cairo Grade: 91%