Head Of Business Channels
Export Development Bank Of Egypt
Total years of experience :7 years, 9 Months
SME’s Division
● A field visits to all new customers before resuming lending process.
● Review created mandates for new clients to insure suitable payment planes versus cash flow.
● Insure that represented finance program match with client business nature.
● Create new pre-approved lending programs.
● Increase Sales by increase of contracted deal with local vendors at Egypt.
● Periodically review financed assets status for direct lease and or sell and lease back.
● Sharing parts of process manuals, regulations.
● Viewing market conditions and strategic plans with top management.
● Coordinate and salvaging new lines with risk team.
● Monitor portfolio concentration levels.
● Improve the assigned portfolios; Generate "NIIR" & “ROA” Reduce NPLs.
● Monitoring and raising utilization ratio minimum of 80%.
● Analyzes the financial spreads, projections and cash flows; reviews collateral and guarantees status.
● Review legal, risk and internal policy to insure clean smooth approvals.
● Assist with Credit and Risk Management by monitoring assigned portfolio.
● Insure that granted facilities limits uses within CP terms and conditions.
● Ongoing training and motivation for team members.
● Sharing a part of new products and programs creations.
● Managing RM’s team: Reviews & revises, the credit proposals submitted for the approval.
● Reporting to SME’s Director.
● Member of the kick of team who establish and create company business model, sales methodologies, and business
lines for Global Finance Company - Factoring.
❖Al Ahli Bank of Kuwait - Egypt ( www.abkegypt.com )
● Attract new credit lines to build SME Department portfolio.
● Approach more than 12 new client yearly.
● Set visit plane of 3 new clients per day.
● Set meetings, collecting all required financial and legal docx.
● Send all received for credit analyst team.
● Send investigation after analyzing customer financial.
● Discusses credit line structure with client to insure high level of utilization.
● Assist with risk, legal, credit follow up team to ensure TAT getting for approval.
● Focus on MTL and working capital lines to insure high level of funded limit.
❖Piraeus bank - Egypt (www.piraeusbank.com.eg) “New Establishment”
Retail Banking Products Sector
● Dealing with all clients who need SBL to finance owned projects.
● Searching for new clients to increased managed portfolio.
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● Visit project by myself to write required call report and credit opinion.
● Calculate client healthy cash flow.
● Tracing cases status with credit department.
● Create new sales channels to improve CC portfolio.
● Develop CC product to face other offers in market.
● Set plans to improve uses and interest rate.
● Working on acquisition of a higher market share.
● Collecting data for clients who suit the credit policy.
● Present all assets products to the clients with a full sales cycle.
● Calculating net income, DBR for employed and self-employed clients.
● Get identical signatures.
● Tracking cases on Velti system to know updates and get a feedback on velti screen to resume the deal or close it.
● Inform clients with credit department reply.
● In charge to get signed checks from client to send it with all originals.
● Follow up existing clients and searching for prospective clients.
● Searching for new payroll deals.
Profession : Credit & Capital budgeting.
Faculty of Commerce