Mostafa Adlel Ahmed Ghoneim Ghoneim

Corporate Credit Analyst at Bank Audi

• Egypt - Cairo
• My current job since December 2010

 Prepare Credit Proposal Memos (CPMs) that present the proposed facility package and the associated Terms & Conditions.
 Properly transfer the audited financial statements into the standard format (spreads) to derive the relevant ratios analyzing each single account and study the notes to the audited financial statements that should affect the referenced analysis.
 Attend client calls with their related Relationship Manager and/or group Head, and prepare call memos that summarize key issues rose during the client call
 Conduct and prepare detailed and accurate financial and market study in a timely and coherent manner to assess the financial study and market positioning of existing/new clients within a specific industry.
 Perform periodical credit analysis to assess and ensure creditworthiness and prepare an Interim review regarding contracts financing, special transactions and amendments in facility’s original Terms and Conditions
 Prepare all Internal Memos regarding handled credit accounts.
 Prepare letters addressed to Corporate Clients, Financial and Legal Institutions
 Properly document calls through call memos and regular reports clarifying customer call, schedules, marketing call schedules, and percentage of monthly, quarterly, semiannual, and annual coverage per client.
 Arrange in collaboration with the RM visits to the company's premises to practically asses the company’s operation cycles, assets, production process, inventory storage procedures to be able to present a coherent in depth analysis of the account to the approving body.