Deputy Corporate Manager
Kharafi Group
Total years of experience :17 years, 3 Months
• Responsible to grow sales, market share and effectively execute the sales plans initiatives.
• Negotiating corporate structure and facility types.
• Following up on facility limits and utilization
• Preparing quarterly reports on accounts utilization, excess, seasonality and new business needs
• Handling a portfolio of corporate accounts diversified industries / activities.
• Plan and oversee design and production of all corporate marketing .
• Evaluate various data presented to determine the credit worthiness of prospective customers and participate in the establishment and negotiation of credit terms.
• Follow-up, reviewing &/or preparing full credit proposals &/or memos either new or renewals for clients in different economical activities \[including spreading and full analysis of financial statements, cash flow projections, marketing survey & industry analysis, business activity analysis in order to reach the appropriate structure of facilities that match with the actual needs of the clients\] for submission to the appropriate credit authorities.
• Plan and implement marketing strategy with top management.
• Developing different types of lease structures.
• Soliciting new profitable business opportunities with multinationals and large-scale local corporations.
• Responsible for all aspects of the lease transaction until closure of the deal(legal, credit approval, funding, documentation…etc.)
• Identify risk areas in order to avoid that EMAK LEASING runs into a loss producing situation& to immediately report such events to the responsible Chief Credit Officer& Chief Executive Officer.
• Negotiate with the customer in order to tailor the package of services that suits his needs &complies with his financial capabilities.
• Prepare the credit study in order to obtain the proper approvals.
• Analyzing SME and business banking cases
• Negotiating corporate structure and facility types.
• Following up on facility limits and utilization
• Preparing quarterly reports on accounts utilization, excess, seasonality and new business needs
• Handling a portfolio of corporate accounts diversified industries / activities.
• Exercise daily supervision of all my clients' accounts to ensure transactions compliance with the pre-approved facilities \[i.e. reviewing interests & HDB comm., issued L/Gs, L/Cs, transfers either internal or out going, withdrawn cheques, discounted & purchased cheques, monitoring loan repayments, installments, bank securities, insurance policies, and their maturity as well as taking necessary actions to handle past-due accounts and overruns.
• Evaluate various data presented to determine the credit worthiness of prospective customers and participate in the establishment and negotiation of credit terms.
• Follow-up, reviewing &/or preparing full credit proposals &/or memos either new or renewals for clients in different economical activities \[including spreading and full analysis of financial statements, cash flow projections, marketing survey & industry analysis, business activity analysis in order to reach the appropriate structure of facilities that match with the actual needs of the clients\] for submission to the appropriate credit authorities.
• Handle direct relationship with complex accounts of my corporate customers in order to solve unusual problems arising from customers that require good judgment and on-the-spot decisions.
• Review & prepare reports on clients' outstanding exposure as permanent supervision on monthly basis, provisions on quarterly basis, stamps sheet on annual basis, watch lists & sensitive sheets for high risk rated clients on semi-annual basis.
• Reviewing the finalization of the credit documentation process
• Analyzing SME and business banking cases
• Negotiating corporate structure and facility types.
• Following up on facility limits and utilization
• Preparing quarterly reports on accounts utilization, excess, seasonality and new business needs
• Following up accounts movement.
• Handling a portfolio of corporate accounts diversified industries / activities.
• Exercise daily supervision of all my clients' accounts to ensure transactions compliance with the pre-approved facilities \[i.e. reviewing interests & HDB comm., issued L/Gs, L/Cs, transfers either internal or out going, withdrawn cheques, discounted & purchased cheques, monitoring loan repayments, installments, bank securities, insurance policies, and their maturity as well as taking necessary actions to handle past-due accounts and overruns.
• Evaluate various data presented to determine the credit worthiness of prospective customers and participate in the establishment and negotiation of credit terms.
• Follow-up, reviewing &/or preparing full credit proposals &/or memos either new or renewals for clients in different economical activities \[including spreading and full analysis of financial statements, cash flow projections, marketing survey & industry analysis, business activity analysis in order to reach the appropriate structure of facilities that match with the actual needs of the clients\] for submission to the appropriate credit authorities.
• Handle direct relationship with complex accounts of my corporate customers in order to solve unusual problems arising from customers that require good judgment and on-the-spot decisions.
• Reviewing the finalization of the credit documentation process
• Working in the centralized department for time deposits & saving certificates in Barclays bank - Egypt.
• Receiving all the applications related to new and modified time deposits & saving certificates.
• Handling of the relationship with the contact persons in the branches to update the special rates of the time deposits (if any).
• Work closely with other team members in our branches teams to achieve the better service can be reached to our customers in respect of time deposits & saving certificates.
• Preparing the daily statistics related to time deposits & saving certificates.
• Working in the centralized department for account opening in Barclays bank - Egypt.
• Receiving all the account opening applications related to new and modified accounts team.
• Preparing and proceeding with all daily statistics related to account opening.
• Handling of the relationship with the contact persons in both of the branches teams in respect of their queries related to account opening applications and its related procedures.
• Reviewing all the received documents related to Retail, Corporate & SMES accounts opening forms.
• Ensuring that all the received forms complied with the agreed rules of KYC and Compliance instructions.
• Work closely with other managers in our branches and corporate teams to reach the better service could be reached to our customers.
• Handling all the queries received from our retail branches / corporate teams related to account opening/time deposits.
• Proceeding with manual transactions related to corporate teams.
• To deliver a world-class standard of services to our business partners.
• Receiving any complain or queries from the V.I.P customers and take prompt actions to solve it.
• Flexibility, including willingness to work flexible schedule.
• Proceeding with corporate payrolls.
Core of Course: 1) Industry analysis. 2) Trade Finance. 3) Lending Rational. 4) Financial Statement Analysis. 5) Cash Flow Mechanics. 6) The fact sheet. 7) Cash flow projections 8) Financial institutions. 9) The Basel II Agreement. 10) Risk Rating (ORR) 11) Report writing& facilities structure. 12) Credit Administration. 13) Banking Information. 14) Legal Aspects. 15) Non-performing loans