Manager
Arab Bank
Total years of experience :18 years, 5 Months
•Identifying new clients to expand the business base and implementing marketing efforts for the whole range of corporate banking products.
•Sourcing corporate accounts in various areas including real estate, construction, manufacturing, trading and oil & gas.
•Managing a portfolio of over AED 500 Millions (funded / non funded), monitoring account's conducts and utilization, maximize profitability, cross- selling of other bank products, keep clients satisfied with a high quality service
•Maintain positive relationships with existing customers through regular personal contacts and developing relationship with prospective customers through planned visits and follow-ups.
•Maintain a clear focus on credit assessment, deal structuring and risk mitigation.
•Develop innovative and appropriate financial structures for transactions.
•Evaluate structure, negotiate, and close transactions.
•Setting triggers to detect early warning signals for accounts and performing necessary actions including facilities restructuring.
Relationship Manager-Bank Audi Egypt.
January 2012- Present
•Handling a portfolio of total limits amounting to EGP 1.1 billion out of which EGP 800 Million utilized.
•Responsible for analyzing various industries including: Food and Beverages, Chemicals, Leasing, Pharmaceuticals, Paper & Paper Products in addition to Fertilizers.
•Working on groups with annual sales turnover above EGP 100 Million (Large Corporate)
• Undertake marketing and new finances origination activities; identify good quality transactions meeting Bank's requirements.
• Lead and review financial and other due diligence analysis.
• Prepare/review for presentation, credit documents to the Credit Executive Committee.
• Review legal agreements.
• Maintain a clear focus on credit assessment, deal structuring and risk mitigation.
• Develop innovative and appropriate financial structures for transactions.
• Evaluate structure, negotiate, and close transactions.
• Attend meetings of investors and represent the Bank accordingly, including investment/risk committees.
• Participate in the monitoring of investments including preparation of regular monitoring reports, managing client relationship, and recommendation of disbursements, waivers and resolve issues.
• Manage investment projects and assess the possibilities for new finances/capital expenditure/equity participation.
• Establish and maintain high level relationships within clients.
• Provide guidance and coaching to junior officers and analysts.
Assistant Relationship Manager-Bank Audi Egypt.
October 2007-December 2011
• Prepare credit proposals for submission to appropriate credit authorities.
• Compile and analyze Financial Statements.
• Develop new business, follow informal market survey, and cross-sell all bank products.
• Evaluate various data to determine the credit worthiness of prospective customers and participate in the establishment and negotiation of facilities structure.
• Handle loans and credit facilities.
• Watch current status of accounts and anticipates opportunities and problems.
• Able to identify deteriorating credit situations and warrants attention to the group head.
• Monitor loan repayments, installments, bank securities, insurance policies, and maturities.
• Take necessary actions to handle past-due accounts and overruns.
• Advise customers on account management and business prospects.
• Assemble credit investigation and competitive reports required by credit studies.
• Serve as a contact officer for non-borrowing customers for matters related to other bank services/products.
Payroll Accountant, Weatherford Egypt.
April 2006 - September 2007
• Receives & review time sheet from employees.
• Data entry for time sheet on the payroll system.
• Print & review summary report.
• Transfer of payroll to the bank.
• Makes coding & journal entries for payroll.
• Reviews & Analyze journal entries.
• Prepares & send expats payroll to Houston.
• Receives expats payroll invoice.
• Prepares accrual for expats.
Side Taks: • Receives payable invoices.
• Reviews payable invoices.
• Makes coding & journal entries for payable invoices.
• Asses, review and analyze financial statements.
Graduate Banker, Checks On Us Department, N.S.G.B.
January 2006 - March 2006
• Receives checks from our branches & clearing house.
• Reviews checks for date, signature &amount.
• Check customer accounts & Balances.
• Handle with credit department non sufficient fund checks.
• Process checks through system.
SUMMER TRAINING: 1- Health Communication Partners / USAID, summer training for one month (August, 2005)
2- Grant Thornton - Mohamed Hilall Accounting Agency, summer training for one month (August, 2004)
3- N.S.G.B. Bank, summer training for one month (August, 2003)
COMPETENCIES & LANGUAGES: - Proficient in Microsoft Word, Excel, and Power Point, Outlook, as well as internet.
- Fluent in written and spoken Arabic and English.
Professional Certificate in Banks Credit Management Feb 2008 “American University in Cairo- Egypt”.
Modern Accounting Certificate from AUC (December 06)
- Bachelor Degree in Accounting, Faculty of Commerce - English Section, Zagzig University, Banha branch, June 2005. Grade: Very Good.
- General Secondary School Certificate, Orman Experimental Language School, 2002. Grade: 90.2%