Credit Operation Head (Corporate, SME's & Retail)
Mashreq Bank- Egypt
مجموع سنوات الخبرة :23 years, 10 أشهر
• Banking professional with wide Corporate Credit Admin., Consumer Banking, Permanent Control and Operational Risk Management experience with Credit Agricole Egypt; formerly The Egyptian American Bank "EAB", National Bank of Greece and Mashreq Bank-Egypt
Mashreq Bank - Egypt
➢ Position: Credit Operation Head (Corporate, SME's & Retail)
Central Operations (April 2011 till date)
♦ Managing lending Operations for Corporate & SME's in terms of investigation, documentation preparation, granting facilities, documentation custody, maintenance & regulatory monthly and adhoc reporting (HO & CBE)
♦ Managing lending Operations for Retail products (Cash loans, Auto loans & Credit Cards) in terms of documents review, booking, documentation custody, maintenance & regulatory monthly and adhoc reporting (HO & CBE)
♦ Managing control over all lending products collaterals, mortgage, pledges, Guarantees follow up extensions, claims, liquidation etc.
♦ Manage operations projects, ensure their timely completion, achievement of objectives and cost efficiencies.
♦ Managing customers deliveries are appropriately delivered in timely manner.
National Bank of Greece - Egypt
➢ Position: Retail Back Office Admin Head
Retail Operations (May 2009 till March 2011)
♦ Assist in the establishment of retail centralized operations covering account opening, \ maintenance, closure, standing instructions etc.
♦ Managing lending Operations for Retail products (Cash loans, Auto loans & Credit Cards) in terms of documents review, booking, documentation custody, maintenance & regulatory monthly and adhoc reporting (HO & CBE)
♦ Managing control over all lending products collaterals, blocking, follow up the extensions, claims, liquidation etc.
♦ Manage operations projects, ensure their timely completion, achievement of objectives and cost efficiencies.
♦ Managing the payroll activities ensuring accurate and timely processing in an error free platform.
♦ Managing customers deliveries are appropriately delivered in timely manner.
♦ Ensuring that the centralized operations resources are adequate and capacities accurately to meet the retail volumes of transactions.
Credit Agricole Egypt; formerly The Egyptian American Bank "EAB"
➢ Position: Permanent Control Senior Officer
Risk Management Division (Jul. 2007 till May 2009)
♦ Contribute in the review on any new/amended procedures to ensure that controls do exist within the procedures.
♦ Identify control gaps whether in bank policies or procedures or in work process.
♦ Monitor the corrective action on all internal audits findings.
♦ Monitoring and controlling the different activities through regular reports.
♦ Develop a framework to monitor the daily, monthly & quarterly control for Retail Banking division, HR, Legal and Branches according to Paris requirements & Basel II concept.
♦ Define and follow receipt of sample cases from different bank's areas in order to set the control indicator assessments for each area.
♦ Reporting the control assessment results for all reviewed areas to the high management.
♦ Ensure the accounts are balanced on daily basis.
✓ Communicate any gaps/breaches to the Unit Head for escalation.
✓ Update of log listing for all desktop review findings.
♦ Set controls instructions and include Central Bank regulations and legal instructions for new and amended procedures.
➢ Position: Installment Lending Unit head
Consumer operation center - Sep. 2006 till Jun.2007
♦ Managing lending Operations for Retail products (Cash loans, Auto loans & Credit Cards) in terms of documents review, booking, documentation custody, maintenance & regulatory monthly and adhoc reporting (HO & CBE)
♦ Managing lending Operations for class 1 facilities for individuals and companies against (Counter Guarantees & Time Deposits)
♦ Managing control over all lending products collaterals, blocking, follow up the extensions, claims, liquidation etc.
♦ Manage operations projects, ensure their timely completion, achievement of objectives and cost efficiencies.
♦ Managing customers deliveries are appropriately delivered in timely manner.
♦ Managing life & car insurance premiums. (Collection & payment)
➢ Position: Loans Unit Head
Consumer operation center - Nov., 2002 -Aug, 2006
♦ Managing lending Operations for Retail products (Cash loans, Auto loans & Credit Cards) in terms of documents review, booking, documentation custody, maintenance & regulatory monthly and adhoc reporting (HO & CBE)
♦ Managing lending Operations for class 1 facilities for individuals and companies against (Counter Guarantees & Time Deposits)
♦ Managing control over all lending products collaterals, blocking, follow up the extensions, claims, liquidation etc.
♦ Manage operations projects, ensure their timely completion, achievement of objectives and cost efficiencies.
♦ Managing customers deliveries are appropriately delivered in timely manner.
♦ Managing life & car insurance premiums. (collection & payment)
❖ Core Banking System ( Flexcube) Implementation Team - Apr. 2004- Sep. 2004
♦ Responsible for consumer loans module initial test.
♦ Responsible for Consumer loans module system setup.
♦ Responsible of UAT (phase I & phase II)
✓ Preparing test scripts for consumer loans & class 1 facilities (OVD, L/G's & L/C's)
✓ Check the test results.
✓ Raising the UAT issues and following up the fixing of these issues and retesting it.
♦ Preparing the conversion mapping for class 1 facilities & consumer loans.
♦ Following closing of the open issues before conversion.
♦ Responsible of consumer operation staff training on the new system.
♦ Helping in reconciliation between the Old & new system before conversion
♦ Reviewing the conversion results.
♦ Reviewing and accepting the new system reports.
➢ Position: Loans Supervisor
Title: Supervisor
Consumer Banking operation center - Apr. 2001- Oct. 2002
♦ Handling lending Operations for Retail products (Cash loans, Auto loans & Credit Cards) in terms of documents review, booking, documentation custody, maintenance & regulatory monthly and adhoc reporting (HO & CBE)
♦ Handling lending Operations for class 1 facilities for individuals and companies against (Counter Guarantees & Time Deposits)
♦ Handling control over all lending products collaterals, blocking, follow up the extensions, claims, liquidation etc.
♦ Handling &reviewing interest rate & stamp duty for all OVD facilities for all branches.
♦ Handling under formation and capital increase Companies Certificates issuance & reporting.
Loans Supervisor- (May -2000 to Mar. 2001)
Corporate & Retail Loans center -Jan, 1995 -March 2001
♦ Handling lending Operations for Retail products (Cash loans, Auto loans & Credit Cards) in terms of documents review, booking, documentation custody, maintenance & regulatory monthly and adhoc reporting (HO & CBE)
♦ Handling issuing & follow up corporate time loans (Long & Medium term
loans) for the main branch.
♦ Handling & reviewing corporate time loan interest for all EAB Branches ( 26 Br.)
♦ Handling, issuing and follow up the KFW (German AID program) & Syndication loans for all EAB Branches
♦ Handling, issuing, follow up & monitoring time loans against Investment Certificate the main branch.
♦ Handling, issuing, follow up & monitoring time loans against shares for all EAB Branches.
♦ Reviewing documentation of circulated C/R's under corporate - for some of Branches
➢ Position: Loans Officer- (Jan., 1995 - April, 2000)
Egyptian American Bank ( EAB)
♦ Graduate Trainee - Loans, Dept. (Aug. 1994- Dec. 1994)
• Bills course (in-house training EAB) • Security Awareness Workshop (in-house training EAB) • Compliance course (in-house training EAB) • Introduction to Risk Management Workshop (Statistical Decision -Pte Ltd -UK) • Making Corporate Mergers & Acquisitions work (West Gate) • Operation Risk & Basel II 'AUC'- • Credit course (July, 2008) 'AUC' including the following subjects:- ✓ Accounting Introduction. ✓ Economic Industry & Financial Statement Analyses. ✓ Cash Flow. ✓ Lending Rational. ✓ Lon structure & problem loans. ✓ Project finance & Syndication. ✓ Risk Management & Basel II (Credit, Market & Operational Risk) ✓ Legal Aspects. ✓ Trade finance. • Performance matters enhancing consciousness in people decision (in house course -MB)
• Bachelor of Business Administration - 1993