كريم عباده

Develop and strengthen the Corporate Credit Portfolio, through identifying market opportunities, maintaining and attracting promising SME clients
Ensuring that the bank is well positioned in terms of providing competitive facilities to clients.
Ensure that facilities are in line with the bank’s credit policies, and CBE rules and regulations.
Highlight the key strengths and weaknesses in clients’ files, assess the guarantees and identify the associated risks, before granting facilities and renewing it
Review calls ‘reports, and coordinate its approval from the Head of SME.
Lead, motivate, and guide the team into generating the planned sales target.
In charge of achieving total financial and non-financial objectives set for relationship managers within his/her team, in addition to own target

Responsible for managing and coaching my team, in addition to strengthening the Corporate Credit Portfolio, through maintaining and attracting corporate clients by learning about their banking needs and fulfilling it, while abiding by internal and external credit regulations.
Develop the team’s operational plan in coordination with the Head of Midcap and ensure its alignment with the SME strategy.
Develop and strengthen the Corporate Credit Portfolio, through identifying market opportunities, maintaining and attracting promising SME clients, and ensuring that the bank is well positioned in terms of providing competitive facilities to clients
Ensure that facilities are in line with the bank’s credit policies, and CBE rules and regulations.
Highlight the key strengths and weaknesses in clients’ files, assess the guarantees, and identify the associated risks, before granting facilities and renewing it.
Review calls ‘reports, and coordinate its approval from the Head of SME.
Lead, motivate, and guide the team into generating the planned sales target.
In charge of achieving total financial and non-financial objectives set for relationship managers within his/her team, in addition to own target.
Ensures staff awareness and adherence to the bank’s code of conduct, internal policies and procedures, CBE regulations, banking law and AML.
Responsible for evaluating all subordinates (Relationship Managers, Credit Analyst, Service Specialist)

Contribute to the business development to business banking clients' portfolio by providing positive effort in conveying, monitoring and insuring the efficient processing of global strategies, policies and objectives of the business line.
Take the role of providing technical assistance in banking relation for existing and prospect clients. In the course of bank's commitment towards efficiency and performance quality and to ensure good quality of service and credit proposals presented to risk committee.
Credit and Marketing
Handling Current portfolio and enhance its profitability interim of Revenues (interest, commissions & processing Fees)
Intensive contact with clients and attending marketing calls.
Marketing bank products including STL, MTL and TWC facilities.
Preparing Marketing Memos addressing Division head.
Preparing Credit proposal memos for Potential clients "CPM's" that present the proposed facility package and the associated terms and conditions.
Following up with the credit risk department until complete revision and issuance of risk recommendation.
Follow up the implementation of the "CFR" credit facility report till the assets are booked including fulfillment of all requested documents, collaterals and covenants precedent through coordination between branches and credit administration unit.
B- Other responsibilities:
Checking internal memos,
Letters addressed to business banking clients, Financial and Legal institutions.
Assist in conducting market research to build sector know-How. Said responsibility will be parallel to the information of specialized unit (Research center) specially established for the purpose of gathering market information and conducting market studies in the various areas of the economy.
Provide on the job training for the senior credit Analysts/ Credit Analysts.

Maintain and develop leasing transactions through cultivation of account relationships
Through personal contacts with company executives.
Overseeing and enhancing teamwork: motivate My Team, ensure
Accomplishment of professional financial and non- financial goals & reporting
directly to the Head of Corporate department
Review My Team portfolio & follow up the clients payments.
Daily Marketing activities & outgoing calls.
Compile and analyze financial statements, judge outstanding credit and
Requirements of customer Prepare credit proposals (new, renewal, or
Modification), and provide adequate technical advice prior presenting it to the
Credit Committee.
Reviewing my Team’s Credit Proposals Before Submitting to the Credit Manager
May assemble credit investigation and competitive reports required by credit studies.
Keep knowledge of trends in the assigned industries and markets.

Manage, retain and further develop advocacy and profitability across client relationships within a portfolio of diverse commercial banking clients.
Identify, engage, win and diligently on-board, new clients within the business’ defined markets, jointly contributing to the profitability of Egypt commercial banking business and enhancing global commercial banking relationships generally.
Promote and deliver tailored financial solutions to clients via partnership with, and coordination of, all product and service teams across the firm to optimize outcomes.
Analyze all aspects of credit risk transactions (including corporate loan facilities, working capital lines, securities and trading lines, derivative exposures etc) for new and existing clients .
Negotiate and deliver appropriate transaction, documentation and security structures on behalf of the firm. The role requires strong technical contribution to credit analysis, deal structuring, regulatory, compliance and policy adherence, underwriting, documentation and deal close processes within the firm.
Promote and sustain strong engagement and mutually beneficial relationships with key internal stakeholders.
The highest professional standards, effectiveness in contributing to the strategic direction and performance against business objectives are expected at all times.
Maintains an in depth knowledge of small business and commercial credit policies and procedures Sales Performance and Leadership.
Maintains an in depth knowledge of all bank and affiliate products and services
Analyzes financial statements, uncovers optimal credit solutions within the context of a relationship plan, understands and articulates cash flow and the inter-relationship between assets and liabilities, determining the right solution for individuals and professional associations
Responsible for retaining, growing, acquiring commercial client relationships, ensuring a balance between growth and profitability
Works closely with partners in Commercial, Private Banking, Retail Banking, Cash Management, First Citizens Securities, and Capital Management to deliver complete client banking solutions.

Deposits, withdrawals, foreign exchange, settlement of credit card via P.OS, ATM replenishment and balancing, selling prepaid cards, signature verification, selling and cashing traveler checks and giving referrals to other departments and others...
Receive applications from customer related to L/Gs, L/Cs, I.DCs, money transfer, collection…etc. and ensures that all application data is fulfilled and delivers documents to customers.
Receive and execute instructions following the procedures and regulations set.
Perform cross checking for the daily transaction to mitigate any estimated risk.
Prepare required reports on due time and meet target dates for assigned tasks to be delivered back on time.
File and carefully maintain bank data, documents & forms in an efficient and timely manner and according to bank’s S.OPs and manuals.
Implement the standards to maintain the customer satisfaction and attract the beneficiaries.
Maintain relevant office supplies for effectiveness of personal duties.
Establish and maintain effective working relationships with co-workers, supervisors and colleagues` Bank-wide.
Respond positively and diligently to colleagues` requests within the normal frame of work and contribute to bank strategy and policy-making as required.
Pursue personal development of skills and knowledge necessary for the effective performance of the role.
Meet target dates for assigned tasks

Choosing bank’ proper customer that meets the qualification & Standards of the bank then making credit scoring “Credit Evaluation”
Finally if the customer meets our policy we offer the CM group of financial
supporting services working as basic trade products including : Export bills
negotiation, purchase of DA/DP bills, letters of credit (import, Export), loan
against trust receipt, Invoice financing, Import finance, Local bill & cheque
discounting, over drafts & short term advances, Foreign exchange, bonds &
Guarantees (payment/performance/customs etc.)
soliciting new to bank and new to product leads from the SME segment
, operate within Risk & Compliance requirements / frame works
And collaborate with product specialists to deliver effective customer solutions.
Credit Risk Analysis, Product knowledge, Risk Management,
Market. Competitor knowledge and Sales skills are an integral part of the job.

In the Consumer Banking Division
The responsibilities included deriving business figures from retail market, leading sales and drive busines