Deputy General Manager
Banque Misr
مجموع سنوات الخبرة :31 years, 6 أشهر
Setting limits, provisioning, scenario testing and stress testing and responsible for the credit risk processes.
Expected to keep an eye on changes in global scenarios as well as an assessment of credit risk in the long term.
To establish and monitor policies and procedures that will help the company meet its sales and risk management goals.
Monitoring and evaluating active accounts to reduce or prevent bad debt losses.
Keep policies and procedures current, and communicate them to your subordinates and to other affected parties.
Control the costs to operate the credit and collection functions.
Convincing senior management when opportunities present themselves to invest in technology that can help the credit department cut costs, accelerate the decision making process, and/or improve the quality and consistency of credit decisions being made
Review strategic credit positions
Assess Changes in Largest Exposures
Assess Counterpart Ratings
Review if there are any pending credits to be cleared by the chief credit officer or board
Review if there are any credit limit excesses
Review Credit Limits
Assess if provisions are up to date
Review if concentrations are within stipulated limits
Assess if all credit exposures are covered and mapped
Check for wrong way positions
Report all significant risks
Ensure credit risk reports reach all relevant parties
Discuss significant credit risks if any with top management
Conduct stress and scenario testing and analysis of portfolio at global levels
Ensure no relevant scenarios are missed in testing
Review past or anticipated changes in provisions
Review if any changes need to be made in specific provisions
Ensure all transactions have full and proper documentation
Review rating triggers and break clauses
Ensure credit protection is fully understood and utilized
Explore if there are any further possibilities of exploiting credit protection
Establishing and communicating department goals and performance results to subordinates
To staff the department, train its employees and delegate work to meet senior management’s expectations and the market’s requirements
To actively support employee growth through training, performance reviews, monitoring and coaching
To meet corporate standards relating to managing subordinates, avoiding conflicts of interest, communicating with customers, and interacting with peers and superiors.
To praise subordinates in public, and reprimand them in private.
planning, designing and implementing an overall risk management process for the organisation;
risk assessment, which involves analysing risks as well as identifying, describing and estimating the risks affecting the business; risk evaluation, which involves comparing estimated risks with criteria established by the organisation such as costs, legal requirements and environmental factors, and evaluating the organisation’s previous handling of risks; establishing and quantifying the organisation’s ‘risk appetite’, i.e. the level of risk they are prepared to accept; risk reporting in an appropriate way for different audiences, for example, to the board of directors so they understand the most significant risks, to business heads to ensure they are aware of risks relevant to their parts of the business and to individuals to understand their accountability for individual risks; corporate governance involving external risk reporting to stakeholders.
Develop the credit and collection function goals, business plans, and resources in coordination with AACO Managing Director.
Develop adequate policies, processes and KPIs for the credit and collection function to maintain efficient operational excellence.
Communicate the credit and collection guidelines and processes to employees and ensure clear understanding of the function policies.
Work towards achieving the credit and collection function objectives and report progress to the company executive management.
Review and approve the repayment procedures and repayment schedules, based on customers' financial situations and agreements details.
Ensure that credit and collection approaches comply with company business policies.
Assign collection teams to specific account and identify target to be achieved within a specified time duration.
Advise customers of necessary actions and strategies for repayment procedures, as needed.
Review outstanding or overdue accounts and provide recommendations for resolution by consulting with related parties.
Monitor all collection staff to ensure timely collections according to the department policies and as per the approved collection schedule.
Monitor weekly the collections against targets and reallocates resources to ensure collection targets are achieved.
Review information about financial status of customers and advise the collection methodology accordingly.
Answer to any accounts escalations regarding problems with their payments.
Review regular credit and collection reports to verify all amounts are collected as per the agreement.
Oversee reconciliations of transactions and balances to maintain accurate accounts information.
Address the function significant issues affecting the company business operations in order to solve them in accordance to the company mitigation plans.
Develop executive summaries and reports to communicate overall performance to the general manager.
Conduct performance evaluation processes for the credit and collection employees by setting annual goals, conducting performance meetings, and delivering performance appraisal reports.
Monitor the adherence of credit and collection employees to the company’s guidelines, policies and procedures.
Ensure effective performance in the function through the selection, development, and deployment of competent employees.
International Finance Manager, As a true business partner to the CEO and divisional As a true business partner to the CEO and divisional presidents, assess organizational performance against both the annual budget and company’s long-term strategy.
Fully responsible for development of new business models, financial concepts, structuring as well as identification of business opportunities, project development and identifying new business potentials
Comply with internal and external audit requirements in accordance with guidlines, local laws and regulations, and execute governance function related to financial services, including risk and internal control management
Full responsibility of managing banking relationships including negotiating terms and conditions, ensuring efficient pricing, reasonable documentation requirements, engaging in banking deals and ensuring full alignment with local laws, as well as cluster and HQ requirements
Work together with sectors on structuring, arranging and implementation of financing solutions by utilizing the broad spectrum of relevant instruments and concepts; leasing, classic export finance, project finance performance contracting
Provide support in bid preparation and submission in relation to financing and structuring issues, guarantee wordings, letters of credit wording and payment security
Cooperation and negotiation with external partners; banks, leasing companies, investors, agencies, international financing institutions. As well as internal partners; business units, legal, corporate finance
Develop internal training programs to facilitate knowledge transfer accross the organization, and ensure timely reporting to business units, country management and cluster management
Develop tools and systems to provide critical financial and operational information to the CEO and make actionable recommendations on both strategy and operations.
Engage the board finance, audit, and investment committees around issues, trends, and changes in the operating model(s) and operational delivery.
Assist in establishing yearly objectives and meeting agendas, and selecting and engaging outside consultants (auditors, investment advisors).
Oversee long-term budgetary planning and costs management in alignment with company National Nonprofit’s strategic plan, especially as the organization considers sponsorships, potential acquisitions, and collaborations with external organizations.
Develop and maintain capital budget.
Assist in development of financial planning and analysis exercises/reports.
Oversee preparation of month-end, quarter-end and year-end financial statements.
Enhance and implement financial and accounting systems, processes, tools and control systems.
Serve as final point of escalation for Accounts Receivable/Accounts Payable issues.
Oversee cash flow planning and ensure availability of funds as needed.
Oversee cash, investment, and asset management.
Participate in corporate policy development as a member of the senior management team.
Engage the finance committee of the board of directors to develop short-, medium-, and long-term financial plans and projections.
Vice President, Lead the Managers for Strategic Reporting to the Board of Directors, and play a critical role in developing and implementing the strategic plan to advance the company's mission, overall vision, and objectives to promote revenue, profitability and growth. Handling Real Easte and Trade with total portfolio $8Blin
• Handling with direct reports to all companies divisions (Collection, Credit, IT, Corporate, Finance, Marketing) manage all staff reporting to the position so as to effectively recruit, train, evaluate, motivate, delegate and monitor their activities.
• Provide inspirational leadership balancing the internal and external demands of this role; provide a visible presence within the organization and be recognized externally as a courageous leader of conviction.
• Conversant with the operating metrics of a large group operating in diversified business segment, accountable for company’s financial resources and a champion of innovation in the organization.
• Implement Company strategy in order to grow the business in line with the company strategy
• Build alliances and key accounts across multiple industries financial budgeting and control.
• Ensure financials and P&L are in synch with targets.
• Understand and analyze competitive landscape and competitor’s strategy, Drive the development of marketing strategy and product offering/portfolio.
• Create the right culture for maximum performance.
• Grow the business locally and regionally into emerging markets.
• Meet key revenue and financial objectives.
• Evaluating and decision-making.
• Define and implement growth strategy in the region, including organization, commercial and business.
• Define and implement go to market strategy and roadmap to execution.
• Partner with sales, product management, finance, operations, sourcing and technology to execute, and drive new account acquisition strategies in the markets.
• Develop and execute sales & marketing strategies.
• Successfully lead the future of the organization’s sales, marketing and cross functional teams.
• Member of the following Committees:
Executive Management Committee.
The Senior Credit Risk Committee (Chairman)
The Consumer (Retail) Credit Committee.
Operational Risk Committee - ORCO (Alternate Chairman)
Asset Liability Committee - ALCO.
The Provisioning Committee.
Leading and building a high capability risk function to identify, anticipate, assess and perform measured judgments regarding all current and potential future risks faced by Banque du Caire.
Analyze, Recommend, Approve, and Restructure, Decline Credit Proposals in line with the guidelines and BDC’s Credit Policy.
Manage corporate risk portfolio through tight monitoring and governance of credit approvals, managing loan impairments below set plan and to track major developments in industry sectors, regional macro economic and political developments to identify and mitigate risks in those areas.
Adapting strategies for mitigating identified risks.
Comply with all Bank Rules, Policies, Processes, and Procedures.
Comply with all Security Protocols.
Find workaround solutions to any day-to-day issues which may fall outside of existing policies and processes.
Submit plans for annual needs such as staffing, training, development, equipment,
hardware and software.
Ensure effective use of Bank resources.
Adherence to Balanced Scorecard and relevant SLAs and KPIs. This applies
at the individual level, Unit/Section levels, and Department level.
Train and motivate Staff as well as fostering a continuous learning environment.
Create goals and targets for the Units/Sections to achieve Departmental objectives.
Quantitative modeling: rating models, Value at Risk, pricing, economic capital, stress testing.
Implementing Enterprise Risk Management frameworks across multiple FS clients (stock exchanges, investment companies).
Establish a bank-wide Risk Management framework for measuring, monitoring and controlling risks. Outlining the Bank’s risk management strategy, governance structure, risk management function and the process of risk measurement, reporting and management.
Scope:
Credit Risk Management.
Retail Risk Management.
Market Risk Management.
Operational Risk Management.
Credit Administration & Control.
Remedial Loans Management.
Compliance with the Central Bank's regulations and procedures.
Interact with external rating agencies and external auditors of the bank whenever required and present an overview of the risk management activities of the bank.
Member of the following Committees:
Executive Management Committee.
The Senior Credit Risk Committee (Chairman)
The Consumer (Retail) Credit Committee.
Operational Risk Committee - ORCO (Alternate Chairman)
Asset Liability Committee - ALCO.
The Provisioning Committee
Implementing Basel 2 (Pillar 1, Pillar 2 requirements)/ Basel 3/ Solvency 2
Head of Corporate & Credit Community Member Reporting to the Managing Director.
Working in a team managing a diversified portfolio of SAR 950 M and ability to manage a large loan portfolio, 6 Regional Head direct report, with total staff 45 staff members.
Covering various industries leasing, real estate, trade and manufacture
Analyzing financial statements and performing comparative analysis within similar sectors.
Approving credit packages prepared by the team for new and existing borrowers, profitability and utilization reports.
Developing the funding structure, that includes the facility terms and conditions as well as binding the legal contracts and documents.
Comply with all SAMA Rules and Regulations.
Provide correct and accurate information to
• Audit, Internal, and External.
• Risk Management.
Member of the following Committees:
Executive Management Committee.
The Senior Credit Risk Committee (Chairman)
Credit Committee
Acting Credit & Marketing Manager - Corporate Banking
Working in a team managing a diversified portfolio of EGP 535Million.
Monitoring and regulating the existing corporate accounts.
Seeking new corporate clients (borrowers as well as depositors).
Conducting macro-economic and industry analysis.
Analyzing financial statements and performing comparative analysis within similar sectors.
Preparing credit packages for new and existing borrowers, profitability and utilization reports.
Developing the funding structure, that includes the facility terms and conditions as well as binding the legal contracts and documents.
Structuring products customized to meet customers' specific needs.
Agree on the commercial business targets for the branch to support the achievement of overall commercial banking business.
Review existing portfolio and recommend appropriate credit facilities in line with the credit policy.
Develop new business relationships for the bank and penetrate existing relationships while managing risk parameters.
Periodically monitor the loan portfolio and ensure its compatibility with profitability objectives and risk management guidelines.
Provide high level of customer service by ensuring that all requirements for facilities are handled promptly and efficiently to enhance the customer satisfaction.
Coordinate with Head Commercial Segment to avoid inconsistency in offering terms and conditions for various products and services to the same customer at different locations through different branches.
Analyze and evaluate the proposal and information given by the customer such as project reports, feasibility reports, balance sheet, cash flows etc. to structure the credit lines balancing the risk and reward.
Responsible for managing a delegated portfolio for non-performing assets, mitigating and reducing loss situations. Establish effective working relationship with non-performing defaulting borrowers to determine solutions which will protect the Bank’s interest and increase the security in favour for the bank. Identify areas of improvement and maximize system utilization to reduce manual dependence.
Monitor the follow-up of all approved agreements for settlements of debt and their adherence by borrowers to avoid further losses. Submit settlement proposals with recommendations and comments to enhance recovery process.
Negotiate with borrowers for an amicable settlement of their outstanding liabilities prior to initiating legal action. If legal action is the only alternative, then make recommendation to /Credit Committee accordingly and immediately pursue this alternative in conjunction with Legal Department.
Submit reports on the status of non-performing loans to Head of Special Accounts to provide an update on the latest developments on each account and to discuss the next course of action on stale accounts.
Ensure compliance with the auditors’ requirements, internal and external reporting obligations in- line with the bank’s policy and guidelines.
Manage day-to-day operational & recovery to enable the fulfillment of departmental and team objectives whilst fostering a customer-oriented environment and risk to the bank is minimized.
Continuously strive to improve process and empowering all team members to complete their role in a competent manner by providing appropriate coaching and feedback.
Credit & Marketing Manager - Corporate Banking
Working in a team managing a diversified portfolio of LE 640 Million.
Seeking new corporate clients (borrowers as well as depositors).
Analyzing financial statements and performing comparative analysis within similar sectors.
Developing the funding structure, that includes the facility terms and conditions as well as binding the legal contracts and documents.
Structuring products customized to meet customers' specific needs.
Maintain & manage an assigned portfolio with existing Corporate clients to retain & grow their banking relationships in a profitable manner and in line with assigned business growth targets.
Identify, solicit and acquire new corporate clients in line with approved corporate strategies for Assets, Liabilities & Trade.
Negotiate appropriate credit lines in conformity with the Bank's underwriting standards and risk adjusted targets after thorough analysis of information necessary for the preparation of a detailed credit proposal.
Conduct account planning with Client Service Team Members & cross selling other products & services to corporate clients to ensure multi-product relationship and greater Share of wallet. Facilitating other lines of business in exploiting business opportunities through referrals.
Establish effective & professional communication (both internal and external) to ensure turnaround time within designated parameters and higher client satisfaction levels.
Ensure timely and accurate credit administrations through timely completion of annual reviews and regular monitoring of financials, covenants and other parameters within the review cycle.
Manage a team of Relationship Officers, set, agree and measure annual targets in coordination with Head of Corporate, provide professional advice, guidance, training & motivation to enhance their potential & capabilities to hold higher responsibilities, and conduct their performance reviews.
Keep abreast of developments in the local business environment to spot business opportunities. Contribute to the planning process in order to develop corporate business strategies.
Develop a strong level of local contacts with the local business and financial institutions community
Corporate Relationship Assistant Manager - Corporate Banking
Work in a team managing a diversified portfolio of EGP 389Million.
Market new business and spot future opportunities for the banks benefits.
Develop and maintain a good relation with the customers while keeping open channels of communications between the bank's management and customer’s.
Conduct research to identify potential new customers and maintain database of potential customers.
Arrange and undertake product presentations where appropriate.
Analyze company's Financials information historic and projected, and Prepare proposal form.
Evaluate company’s feasibility study.
Study granting customers different types of facilities include loans.
Handle securities duties.
Provide high level of customer service by ensuring that all requirements for facilities are handled promptly and efficiently to enhance the customer satisfaction.
Coordinate with Head Commercial Segment to avoid inconsistency in offering terms and conditions for various products and services to the same customer at different locations through different branches.
Analyze and evaluate the proposal and information given by the customer such as project reports, feasibility reports, balance sheet, cash flows etc. to structure the credit lines balancing the risk and reward
Statistics - CBE.
Information reports translations.
Administrate procedures and prepare reports relating to adherence to terms and conditions of sanction.
Monitor & Control sanction application as well as special schemes.
Further experience in the following departments:
Foreign Exchange Department.
Cash management "Collection checks & bills"
Back Office.
Review all transaction related to the business
