Kareem El-Gendy

1. Maintain & manage an assigned portfolio of existing Corporate clients and to retain & grow their banking relationships in a profitable manner and in line with assigned business growth targets
2. Identify, solicit and acquire new corporate clients in line with approved corporate strategies for Assets, Liabilities & Trade.
3. 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.
4. Making regular visits to clients for both monitoring and business generation purposes. Visits are documented in call memos which are to include all pertinent information in a timely manner.
5. Cross selling other products & services to corporate clients to ensure multi-product relationship and greater Share of wallet.
6. Ensure timely and accurate credit administrations through timely completion of annual
reviews and regular monitoring of financials, financial covenants and other parameters within the review cycle.
7. Comply with internal audit requirements in line with the policy guidelines, to ensure high standards of uniformity and consistency across the Bank.

Corporate Banking: Credit Analyst (October 2012 - present)
1. Financial Statements Analysis: Spread Financial Statements and perform profound
financial and industry analysis for current and prospective clients, to ensure their
credit worthiness.
2. Credit Approval Memos: preparing approval memos reflecting the company's
current and projected financial performance, updated industry overview, potential
risks and their mitigations, line structuring and a final conclusion & recommendation.
3. Account management: Manage key customer accounts through ensuring flawless
utilization & workflow by clients to their facilities and ensuring their abidance to their credit approval memos and the Credit Policy Guide.
4. Relationship Management: responsible for maintaining strong, sound relationship with all clients to foster an easier more efficient business environment.
5. Performance Reporting: Prepare annual, quarterly and monthly reports about the profitability, loan loss provision and all reports relevant to the team's portfolio.
6. Manage Circulation and smooth flow of memos and ensuring that all credit
administration, risk dept. & legal dept. requirements are met within an appropriate time frame.

1. Financial Statements Analysis: Spread Financial Statements and perform profound financial and industry analysis for current and prospective clients, to ensure their credit worthiness.
2. Credit Approval Memos: preparing approval memos reflecting the company’s current and projected financial performance, updated industry overview, potential risks and their mitigations, line structuring and a final conclusion & recommendation.
3. Account management: Manage key customer accounts through ensuring flawless utilization & workflow by clients to their facilities and ensuring their abidance to their credit approval memos and the Credit Policy Guide.
4. Relationship Management: responsible for maintaining strong, sound relationship with all clients to foster an easier more efficient business environment.
5. Performance Reporting: Prepare annual, quarterly and monthly reports about the
profitability, loan loss provision and all reports relevant to the team’s portfolio.
6. Manage Circulation and smooth flow of memos and ensuring that all credit administration, risk dept. & legal dept. requirements are met within an appropriate time frame.

SME Banking: Credit specialist (July 2008 - December 2011)
1. Account management: Manage key customer accounts through ensuring flawless
utilization & workflow by clients to their facilities and ensuring their abidance to their credit approval memos and the Credit Policy Guide.
2. Operations: Handling smooth flow of daily transactions related to customer
operations
2. Performance Reporting: Prepare annual, quarterly and monthly reports about the profitability, loan loss provision and all reports relevant to the team's portfolio.
3. Relationship Management: responsible for maintaining strong, sound relationship with all clients to foster an easier more efficient business environment.

Extracurricular activities and