Assistant Vice President
Egyptian American Bank
Total years of experience :30 years, 5 Months
1. Responsible of all functions, reports, statistics, disbursement, documentatation related to the Bank's borrowing customers.
2. Act as an internal complience officer to insure abidance to the Central Bank's regulations & eliminate possibility for money laundry.
3. Insure full compliance to the Bank's policies & Procedures to protect the interest of both the Bank & customers.
4. Lead a team of 15 employees: 10 clerks, 3 supervisors & 2 managers in addition to an administrative assistant..
5. Work closely with the IT Dept. to automate any manual process in order to eliminate human erorrs, reduce time wasted & labor excess.
6. Authorized signature on behalf of EAB.
7. Dealing with all the external auditing parties such as, Central Auditing Org., Amex loan examiners, etc.
8. Review & approve with the Quality Assurance all flowcharts and policies & Procedures related to the operational processes of the Bank's products in both Centers & Branches.
9. Watching the payments of interest & commission due on the corporate clients & report deviations.
10. Insure that all disbursements are within the approved/valid limits & disbursed to finance the approved purpose. Finally, disbursements are fully covered by the approved & acceptable collateral.
11. Work closely with the Restructure & Recovery Unit in order to reach settlement agreements meet the Bank's interest regarding the classified accounts.
12. Handling all substandard accounts & co-ordinate with Legal Dept. regarding warnings & further legal actions. And in the other hand co-ordinate with the Financial Administration for the reserves issue.
13. Re-engineer any process regularly in order to achieve what is best for the customers & for protecting the Bank's right.
14.Lead the documentation team who's responsible of receipt the documents, scanning, achieving, filling & protesting P/N's.
15.Prepare the annual appraisals for all the officers & propose the percentage of the annual increase.
1.Head of Section consists of 20 Branches.
2.Leading a team of 4 clerks & 1 Supervisor.
3.Authorized to sign on EAB's behalf.
4.Responsible of all borrowing clients.
5.Approving issuance of letter of credit & letter of Guarantees and cashing checks according to the bank's policy and the contract made with the borrower.
6.Monthly Reporting all borrowing clients to the centeral Bank of Egypt .
7.Preparing all the required data & statistics regarding borrowers to the Financial Admin. or to Centeral B.E.
8.Handling Borrowing documentation and follow up temporary waivers and expiry dates.
9.Reporting all sub-standard accounts to Fin. Admin. for the reserves purposes and to the CBE in case of legal action.
10.Watching the repayment of the interest & commission due on clients & report any unpaid amount to senior managment.
11.Daily review of all collateral-s & securities and report any deviations.
12.Report all past dues to senior managment.
13.Work closely with the restructure & recovery unit to reach settlement agreements and follow up the repayment schadule.
14.Asist in writing the bank's Policies & procedures.
1.Heading the loans department on one of the largest branches of EAB.
2.Supervising 2 loans officer.
3.Contribute in achieving the branch budget.
4.Replace branch operation officer during leaves.
1.Handling both retail & corporate loans functions, starting from booking a loan till full settlement.
2.review borrowing documents.
3.Control all branch types of account.
4.Approve disbursing checks, etc.
1. Open new accounts.
2. Set time deposits, renew, break, settle.
3. Cross selling of all the Bank's products.
4. Approach new customers to attract deposits.
1.Collection:receive & send checks for collection via clearing house or via electronic collection system & credit clients accounts.
2.Remittance:Transfer funds inside or outside Egypt as well receiving funds favor our customers.In addition to issuing certified checks & bank Drafts.
3.Issue Letter of Guarantees, follow up expiry, collect commissions.
4.Open Letter of Credits, collect commissions, follow up payments, endorse documents.
All the teller functions:cash checks, cash deposits, checks deposits, etc.
On job training course.
On job training course.
On job training course.
From Oct/Nov 1995 up to May 1996 in: - Accounting Principals. - Asset Conversion Lending. - Asset Protection. - Cash Flow.