Executive Director
National Bank of Abu Dhabi
Total years of experience :13 years, 2 Months
To manage a portfolio with coverage of SME customers in Cairo and other governorates in Egypt marketing & soliciting new relationships in-order to achieve predetermined objectives.
•Screens proposed customers against Target Market Plan and Risk Acceptance Criteria, to initially identify NBAD EGYPT credit risk appetite for obligors and setting the facility structure, subject to Business and Risk Management approvals.
•Furnishes / updates the Business Analyst with client information, financial statements, and relevant data, for the different types of CA reviews (Annual, Initial, Interim etc.).
•Reviews/Approves extensions of credit (for Credit Officers) and ensure that the data within these extensions of credit are accurate and that they are designed with the appropriate requested facility package and all credit risks are properly addressed.
•Ensures that the extensions of credit are consistent with the relationship profile and endorsing the risk/reward balance.
•Ensures appropriate obligor / facility risk ratings in line with the risk ratings Policy of the bank.
•Conducts regular accounts follow up assisted by periodical reports to avoid the manifestation of past dues, excess and the breach of terms and conditions of the approved facilities.
•Monitors changes in the risk position of the clients using renewal and monitoring tools, and are promptly communicated to Business and Risk managers.
•Maintains regular contacts with customers to sort any internal/ departmental issues with immediate action, supporting CSU Service Unit to serve customers in the best way, as per approved SLA.
•Conducts periodic client calls / site visits and document client calls with the frequency indicated in the Credit Analysis section.
•Maintains customer loyalty and promote brand identity by providing excellent customer service via regular updates and reviews on bank’s range of financial products as well as customers’ financial needs.
•Provides quality service to clients and closely follow up and ensure the processing of all requests (new facilities, increase of existing facilities, amendments, waivers, operations request etc.) up to their satisfaction duly within SLAs without deviation.
•Prepares target list of potential relationships.
•Conducts marketing calls to screen the market and approaching potential relationships.
•Identifies expansion opportunities with existing clientele base to achieve portfolio growth.
•Monitor practices of competition and report findings to Unit & Department Heads.
•Provides product specialists with qualified referrals for cross-sell. Responsible for overall parent relationship management and providing a wide range of treasury, cash management, trade and corporate finance products and solutions.
•Closely monitors Past Dues Report, and take any required action, after consulting with Unit Head and/or Wholesale Bank Head.
•Ensures that extensions of credit follow regulatory limits and the Central Bank of Egypt regulations and guidelines.
•Initiates “credit checking” and “Central de Risqué - CBE” requests, and ensure their completeness by the time of the credit approval.
•Provides recommendations to improve the current procedures and processes to ensure that work is carried out in an efficient manner.
Attending MBA Courses in London
Reason for Leaving: To gain bank experience in Egypt
Type of Leave: Resignation
•Negotiated with banks for possible financing options.
•Designed and created weekly and monthly finance reports.
•Partnered with business development to identify major account opportunities.
•Supplied necessary industry and market research to target new businesses.
•Created monthly PowerPoint presentations illustrating business performance and goals.
•Monitored and analyzed Key Performance Indicators (KPI) and financial ratios.
•Facilitated month-end close processes, invoicing, journal entries and account reconciliations, balance sheet and trial balance.
•Handled cost and benefit analysis for diverse projects.
•Supported the accounting department during monthly closings.
•Developed financial analysis reports and presentations by applying acquired financial principles.
•Review costs at a detailed level identifying, analyzing and understanding any variances from plan, previous month and previous year.
•Undertake planning, budgeting and financial forecasting
•Undertake solid accounting and financial management
Monitored and tracked securities transactions, fund transfers, margin accounts and option trading.
•Researched banking guidelines and statutory requirements to stay updated on new laws and applications.
•Achieved proper compliance and accurate management level reporting.
•Maintained a good track of client's performance and fund utilization by providing investment, finance and finally credit reports
•Gathered information about customer relationship and related credit exposure
•Review of financial statements and other supporting documentations.
•Utilizing multiple sources to gain background information on assigned clients
•Preparing summary of terms and conditions including assessment of any financial covenants
•Analyzing company industry, competitive position and historical financial performance using Moody's Software.
•Identifying risk issues, strengths and weaknesses
•Recommendation on appropriate risk rating
•Coaching and supervising junior staff members
•Portfolio covering industries between (real-estate, food and catering, construction, manufacturing, transportation, telecommunication and pharmaceutical.
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courses: Undeclared Credit Hours has been transferred to my new university in USA New English School, 1999
, In Progress