Senior Financial Analyst | Institutional Banking – Enterprises Performance Management
Commercial International Bank CIB
Total years of experience :19 years, 4 Months
• Lead cross-functional projects using advanced data analysis techniques that drive to data insight initiatives that guide to strategic decisions and uncover optimization opportunities.
• Prepares and presents financial and operating reports and create visualizations’ dashboards, that allow the CEO to track the business health & performance.
• Monitoring Intuitional Banking indicators through managing and analyses a set of automated packages that predict group performance in term of Balance Sheet, P&L, KPI’s and oversee profit, pricing Vs. FTP Yield Curve and cost contribution / allocation per LOBs’ and Segments.
• Regular review FTP reports that provide insights into the cost of funds, interest rate risk, and profitability to insure fairness pricing and profitability inline of exist Yield Curve FCY|LCY.
• Managing a set of Access data base that proceed with rationalized triggers that scanning Corporate Banking portfolio and give insights to the borrowed loans, thus recognizing early warning signals and wallet sizing as well
• Oversee and handling Hyperion annual business budgeting cycle, including budget development as well as periodic reviews with cost centers among bank’s LOB’s and FTP that will drive budget and forecasting process.
• Prepare periodic dashboards & financial reports that track & analyze Institution Banking financial figures against approved budget including forecasts for year-end performance and identifying corrective actions in case of negative deviations against budget goals.
• Identifies, analyzes, and monitors issues that affect profitability, growth, and productivity among bank wide.
• Responsible for managing a portfolio of medium size clients with key responsibilities focused on asset growth and Improve share of wallet in line with Bank’s credit policy.
• Build, develop and maintain professionalized long-lasting relationships with clients for potential needs and business opportunities.
• Assist the relationship team to achieve the assigned financial goals and managing portfolio of borrowing and non-borrowing accounts and ensure that all documentation is up to standard / date.
• Maximize facility’ utilization and profitability in term of capture new financing and / or cross selling opportunities with efficient negotiation for best margins to optimize account’s profitability.
• Manage all aspects of credit due diligence, financial analysis, structuring and negotiation of financing transactions while keeping risks to an acceptable level to maintain portfolio quality.
• Review and recommend the credit proposal that includes SWOT Analysis, all significant factors, relevant risks and mitigations to ensure that exception items are kept to a minimum.
• Manage & enhance portfolio’s quality through conducting regular accounts follow up supported by periodical reports to avoid past dues, excess and any breach of credit approval.
• Recognize and escalate early warning signals of unsatisfactory account and taking necessary actions for any deterioration.
• Provides recommendations to improve the current procedures and processes to ensure that work is carried out in an efficient manner.
• Providing credit assessment to medium size companies through conducting sufficient analysis of business model, financials and collateral evaluation of the application, structuring of credit facilities and ensuring that all facilities are approved in compliance with established bank’s credit policies and procedures.
• Managing the team in term of underwriting the new credit limit proposal and conducting periodic credit reviews for the existing accounts including facilities’ annual review and leading the team and providing the needed guidance.
• Conducting periodic customers’ visits to have better understanding of business cycle, feasibility of proposed transactions, verify the profitability of company to improve bank's perception for the client as well as promoting cross selling of the bank's various financial services.
• Handling the daily account’s operations related to drawdown, trading transactions, loan maturities and repayments, monitoring commitments such as excesses, documentation and disbursements.
• Scrutinizing the credit documents and ensuring the existence of all the required securities, supports and conditions of the management approval.
• Joining the internal meetings that stands on process’ improvements and allow efficient credit process and procedures.
• Maintaining work system, procedures and policies to achieve the optimum performance of the team within the business unit.
• Performing comprehensive analysis for corporate accounts proposal through evaluating business profile, key financial statement, collateral adequacy, appropriate amendments in term sheet if any to stand on measuring the debt repayment ability of the borrowing companies.
• Ensuring that credit facilities have been properly structured & there isn't any violation of internal or external regulations/policies as well as CBE rules.
• Preparing independent credit risk summary (CRS) includes detailed notes with appropriate recommendations to mitigate risks or to increase the return implied in order to enhance the risk-return profile.
• Communicating & coordinating with Relationship Managers if there are amendments needed to be done on the credit package.
• Ensuring that terms and conditions of credit approvals have been met prior to release of credit facilities.
• Reviewing and approving risk rating under each corporate borrower following the procedures and guidelines of the bank’s credit risk system.
• Fully monitoring Corporate Banking portfolio and classifying according to the quality of debts, type of industry and the risk rating as well.
• Perform site visits to the bank's borrowers to stand on their credit worthiness.
• Participate Credit Committees and give proper recommendation / explanation.
• Handling all banks’ operations TDs, CDs, Draft & Clearing Cheques & Teller.
• Deliver exceptional sales performance by identifying & meeting customer needs, existing & new thought the selling & cross selling of Blom Bank’s retail products & services.
• Own & manages customer queries & complaint, delivers exceptional service through excellent customer relationship management -query resolution.
- Bachelor of law, Cairo University - June 2004 .-