Branch Manager Operations
United Bank Limited - Egypt
Total years of experience :23 years, 10 Months
Achieved and increased the volume of business by 20% annually by leading changes, coaching team and efficient allocation of resources
Conducted sales and marketing plans to cover the target market
Provided facilities to retail client and “SMEs” small and medium enterprises
Promoted personal banking (accounts, deposits, overdrafts, loans, credit card, letter of credit, letter of guarantee) adhering to risk and compliance parameters
Established sales volumes and objectives by forecasting and developing annual sales quotes for territories in order to set sales plans and reports achievements to top management
Monitored trends of existing and newly launched products through market studies and customer visits to adjust goals
Maintained product mix by continuous monitoring of supply, demand, changing market trends and competitors
Ensured targets are achieved by coaching through clear assignment of roles
• • Measuring Performance by Making Financial Analysis on Cash Flow, Balance Sheet & Income Statement and Analyze the right capital structure (weighted average cost of capital, debt to equity ratio)
• Prepare Treasury cash reports and business projection studies to develop an appropriate treasury processes in order to monitor the capability of payment with regards to the Expenditure and Dues
• Screens potential business deals by analyzing market and performing project valuation including capital budgeting and financial project analysis
• Participate in Budgeting and Costing process by assisting management in qualifying goals concerning revenues, cost of goods sold and operating expenses
• Internal Auditing by Reviewing the company operations by implementing an efficient auditing Plan and identifying the weakness of control to evaluate the degree of compliance with management policies and provide a value added recommendations
• Studying causes of variances in Budget between actual financial figures versus Budgeted plan
• Review Accounts Receivable, Accounts Payable, Payroll and General journal batch and Prepare bank reconciliation statements entries for accuracy and compliance.
• Develops negotiating strategies by studying integration of new venture with company strategies and operations; examining risks versus goals and Closing new business deals
• Adopt performance measurements techniques by setting objectives, participating in performance reviews and building development plan
Responsible for achieving and upgrading the branch volume of business through conducting sales and marketing plans to cover the target market by enhancing the following :
• Retail business (Accounts, Deposits, Overdrafts, Loans and Credit card)
• Trade business( Letter of credit, Letter of guarantee)-Cash Management
• Internal Control and compliance process to match Central bank regulations.
• Conduct periodical presentations for both existing and potential clients followed by a call memo.
• Regular monitor of customers' positions for covering unpaid and past dues to ensure that all transactions adhere to the bank’s policies and procedures and to insure regularity of accounts.
• Identify the training needs of the staff to improve the quality of services.
• Attracts potential clients and assures that current clients are provided with proper services, in order to expand activities of a Bank.
• Vault and ATM balance monitoring on a daily basis and obtain the required approval for all excesses
• Ensures that cash is transported according to the bank policy.
• Supervises and responsible for accuracy and promptness of the activity of all subordinate employees.
• Monitors all the activities to ensure compliance with the relevant internal procedures, transactions, local regulations and/or Central Bank of Egypt decisions, Management Memorandums and orders.
• Witnessing the cash vault opening and closing and sign in the assigned register for the dual keys of the vault
• Reviews the account opening forms and related KYC (know your customer) documentation for compliance purposes
• Coordinate between the branch and the centralized operation in the head office.
• Organizes team work and monitors performance of operations continuously.
• Reviews daily activity reports for exceptional or unusual items, controls that all statements are accurate.
• Authorizes transfer orders and transactions within the limits appointed by the Management.
• Implement the marketing strategies of the bank to maximize bank profitability and develop opportunities to increase the sales production.
• Prepare Marketing and sales plans to cover different client categories and different market segments.
• Establish and develop relationship with clients to introduce the bank services in light of the client needs.
• Conduct periodical presentations for both existing and potential clients followed by a call memo.
• Enhance income generating assets through promotions to existing good clientele base in addition to soliciting new business of private and corporate clients with indisputable financial position.
• Regular monitor of customers' positions for covering unpaid and past dues to ensure that all transactions adhere to the bank’s policies and procedures and to insure regularity of accounts.
• Insure that the necessary reports are submitted to the management with full adherence to head office policies and objectives.
• Identify the training needs of the staff to improve the quality of services.
• Ensuring that all documents are obtained and line conditions are met before disbursement of funds and all documentation are viewed and approved by the legal council.
• Responsible for verifying the utilization of loans according to the pre- approved terms and conditions.
• Responsible for monitoring periodical reports.
• Preparation of weekly and monthly reports concerning clients outstanding positions.
• Selling wide range of saving, investment and insurance schemes to the Egyptian market through "CIB" branches under the supervision of "Legal and general " insurance co. England
Master of Business Administration "MBA"
B.Sc commerce – English dept