Noha El Sherbiny

-Preparing written Credit Applications combining financials analysis with borrower’s background and
sectorial information as well as SWOT analysis to support Credit Committee Decisions regarding the client’s risk of default, credit rating and adequacy of the proposed facility structure.
-Undertaking industry research and analysis, completing ratio, trend and cash flows analyses and creating projections.
-Comparing liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations
-Assisting Business Unit in assessing the overall credit worthiness of various clients, as well as reviewing deals, facility structures and credit products and services with the Corporate Banking and Wholesale Risk teams.
-Monitoring account conduct of borrowers and compliance with facility terms & conditions, and providing information in each review to maintain portfolio quality.

-Managing portfolio of Large Corporate borrowing customers (annual turnover of AED 1Bn and above) of various sectors, as well as non-borrowing customers of different sizes.
-Achieving financial targets assigned in line with portfolio handled.
-Meeting existing and potential customers to gather information for Credit Application preparation and to discuss facility structure, pricing and terms.
-Completing credit proposals, including identifying the suitable facility structure, Terms & Conditions,
background information, financial analysis, market information, risks analysis, and submitting them to
Wholesale credit for approval or onward submission to credit committee.
-Obtaining all requisite facility and account documentation to ensure each customer’s file is current with valid legal documentation.
-Conducting KYC for new customers as well as regular updates .
-Monitoring accounts for possibility of money laundering and reporting suspicious cases to the designated Compliance / Money laundering officer.
-Ensuring timely detection of early warning signals and risk mitigation through restructure or phase out to minimize non-performing loan.
-Day to day management of portfolio, ensuring that customer requests are in compliance with the approved credit terms and conditions and following up for timely execution of customer transactions.

-Assisting RMs to manage a portfolio of 24 borrowing customers of various sizes with limits of around AED 3Bn across different sectors including contracting, trading, automotive, retail, real estate and others.
-Took over management of the entire portfolio in 2018, which was on run-down basis.
-Meeting existing and potential customers to gather information for Credit Applications preparation and to discuss facility structure, pricing and terms.
-Completing credit proposals, including identifying the suitable facility structure, Terms & Conditions,
background information, financial analysis, market information, risks analysis, and submitting them to
Wholesale credit for approval or onward submission to credit committee.
-Assisting Relationship Managers in assessing the overall credit worthiness of clients.
-Obtaining all requisite facility and account documentation to ensure each customer’s file is current with valid legal documentation.
-Conducting KYC for new customers as well as regular updates.
-Monitoring accounts for possibility of money laundering and reporting suspicious cases to the designated Compliance / Money laundering officer.
-Ensuring timely detection of early warning signals and risk mitigation through restructure or phase out to minimize non-performing loan
-Ensuring that customer requests are in compliance with the approved credit terms and conditions and following up for timely execution of customer transactions.

• Gathering and analysing credit information on current and potential borrowers
• Generating financial ratios using computer programs to evaluate customers' financial status
• Developing models and methodologies of credit information in order to predict trends and patterns
• Assessing the overall credit worthiness of various clients
• Completing loan applications, including credit analyses, and submitting them to loan committees for
approval
• Comparing liquidity, profitability, and credit histories of establishments being evaluated with those
of similar establishments in the same industries and geographic locations
• Providing customer service and developing relationships with internal and external customers
• Promoting business for the bank by maintaining good customer relations and referring customers to
appropriate staff for new services

Full time training to qualify for credit analyst position
• Studied various subjects including:
o Accounting
o Qualitative credit analysis
o Spreading and financial analysis
o Cash flow mechanics and analysis
o Forecasting techniques
o Business and financial risks and SWOT analysis
o Trade finance
o Legal aspects of credit
o Lending modules and credit structuring and profitability analysis
o Project finance
o 3 case studies

• Recording all transactions promptly, accurately, and in compliance with bank procedures
• Accepting cash and cheques for deposit and checking the accuracy of deposit slips
• Identifying customers and processing cash withdrawals
• Verifying customers’ signatures, and validating and cashing cheques
• Exchanging foreign currency
• Issuing cashier cheques and traveller cheques
• Processing internal transfers and booking time deposits
• Receiving and revising instructions for SWIFT transfers and following up on execution
• Balancing cash and cheques in drawer against system records at the end of each shift
• Complying with all operational, security, and control policies and procedures
• Identifying and referring sales opportunities

• Promoted different bank products and answered customer enquiries
• Opened new accounts
• Received and revised applications for consumer loans, credit cards, debit cards among other products