Corporate Credit Risk Analyst

• Jan 2022 - Present

•Conduct Risk Assessment, Analyse Credit Data, Financial Statements, Client Business Operations & Procedures, and assessing Client Management structure and governance model to determine the degree of Risk involved in granting or extending Credit according along with the Obligor Risk Rating (ORR).•Write up Risk Memorandums of Large Corporate, Syndication Loans and SME’s Clients at different industrial Sectors including Risk Opinion and Recommendation.•Review the Existing accounts renewals as well as handling Remedial Cases, NPLs, Restructuring, Requests and Amendments while ensuring that Credit Quality is maintained.•Ensure that the proposed CPM adheres to the Risk assessment Approval Terms and conditions follows the Company's Credit Policy, CBE and FRA Regulations.•Analyse Client’s Credit Worthiness through existing and Projected Cashflow, Risk Positions and debt servicing Capacity Measures.•Prepare monthly and quarterly FRA Risk and Portfolio Reports, Portfolio Risk Management Analysis reports and periodic Industry Analysis.•Develop and maintain a close working relationship with Credit and Marketing Department and help enhancing Quality of the Credit Proposals.

SME’s Credit Relationship Officer

• Sep 2020 - Jan 2022

•Responsible for achieving the Targeted growth of the SME’s Portfolio according to the Planned Target.•Preparing the whole Credit Proposals to determine the degree of Risk of involved in extending Credit with all related activities including (Spreading, FSA, Industry Analysis, SWOT Analysis & Recommending the Facility Structure to be granted to the Client based on the Study).•Presenting Financial Analysis & Write-Ups for Annual Reviews & Memos incorporating all Risks for the Annual Reviews of the Existing Clients & New Commitments to renew Packages.•Monitoring the Expiry & Renewals of Granted Facilities to Ensure Finalizing the Required Approvals before the Targeted Date.•Managing Clients Daily Transactions, Past Dues Management, Following Up for Utilization of limits.•Participate in one-on-one Meetings with the potential Clients to explain the Bank Products & Services & Visit the Existing Clients to Follow up.•Managing a Portfolio of Small & Medium Enterprises Working in Various Economic Sectors.

Retail Credit Risk Analyst

• Sep 2019 - Sep 2020

•Reviewing all applications to make sure that they correspond with the setting policy.•Conduct Internal verification with the applicant at business & home & the company’s authorized signer to verify the correctness of information provided by the applicant and the eligibility of the applicant.•Assessing Risk Depend on the Bank Polices and CBE Regulations.•Reviewing & Analyze Cases (Personal Loans Product, Auto Loans Product, Credit Cards Product, Self-Employed Product) (Minimum 18 Cases per day).•Investigate fraud cases that exist in the applications through the internal verification with the customer and the company and investigate whether the fraud related to the customer or the sales or the vendor •Reporting to the Assistant Manager, Retail Credit Risk.•Checking Negative Companies, Negative & Verified Vendors, Approved Companies List.•Keep a copy from the external report to be added to the authorized signer in order not to send them again if the same authorized person signs the HR letter.•Handling Weekly and Monthly MIS.

International Account Advisor

• Apr 2019 - Sep 2019

•Handling British Customers inquires and complaints, completing transactions, Forwarding Requests, fulfils requests by clarifying desired Information.•Perform other duties as assigned by Management.•Selling additional services by recognizing opportunities to up-sell accounts •Handling British Customers inquires and complaints, completing transactions, Forwarding Requests, fulfils requests by clarifying desired Information.•Perform other duties as assigned by Management.•Selling additional services by recognizing opportunities to up-sell accounts

Market Research Intern

• Sep 2018 - Apr 2019

•The Program Aim to Practise the Market Research Process from A to Z.•Prepare methodologies, questionnaires, write and discuss proposals in compliance with client needs.•Prepare fieldwork instructions and sample structures for each project in conjunction with field manager.•Fieldwork visits to collect data to help us on the final project (Retail Measurements Services)•Prepare budgets & Feasibility studies for the final Project.•Innovate Ideas that would contribute with Nielsen Digital Vision.

Training for Employment Program Trainee

• Feb 2019 - Feb 2019

EBI signed a cooperation protocol with Cairo University’s community service sector in 2008 for implementing the “Training for Employment” which is directed to students of the fourth year, as well as fresh graduates of various colleges with the aim of bridging the gap between academic education and the labor market requirements by providing them with specialized training that qualify them to specialize in certain fields in accordance with the requirements of the banking and Financial Job market.Following the success of this program, the Central Bank of Egypt (CBE) decided to sponsor the program in 2015 through a new initiative presented in accordance with EBI in order to make it accessible to all students in public universities in all governorates as well as providing financial literacy awareness sessions.

Human Resources Intern

• Aug 2018 - Sep 2018

Wholesale Banking Intern(Corporate Banking)

• Aug 2018 - Aug 2018

Simulate the Credit process by determine the degree of risk involved with all related activities including Spreads, FSA, SWOT analysis and Industry analysis by working in a team by the Supervision from a Senior Relationship Manger. Simulate the Credit process by determine the degree of risk involved with all related activities including Spreads, FSA, SWOT analysis and Industry analysis by working in a team by the Supervision from a Senior Relationship Manger.

Trainee

• Jul 2018 - Jul 2018

The bank was originally founded in Egypt in 1978 under the name of Alexandria Kuwait International Bank (AKIB). AKIB was one of the first private banks in Egypt and was later re-branded to Egyptian Commercial Bank. In 2005, Piraeus Bank Group acquired Egyptian Commercial Bank and changed the name into Piraeus Bank Egypt.In November 2015, Al Ahli Bank of Kuwait (ABK) acquired Piraeus Bank Egypt as part of its plans to expand its regional presence, reinforce the Bank competitive position and provide additional value to clients and stakeholders.Al Ahli Bank of Kuwait (ABK) was established in Kuwait in 1967 on a foundation of extraordinary capabilities and expertise joined to provide superior financial solutions to its clients. Today, ABK offers a full range of products and services and a wide geographical presence in Kuwait, UAE, and Egypt demonstrating its commitment to best serve customer financial needs whilst offering a distinguished banking experience.ABK-Egypt head office is located in Smart Village, Giza and has presence in most of Egyptian Governorates through its network of 39 branches, 85 ATMs and around 1.000 employees. ABK - Egypt branches are geographically distributed to best serve our Retail, Corporate, and Small and Medium Enterprise (SME) customers through a portfolio of financial products, easy and friendly banking services as well as a wide range of diversified commercial and investments products that are designed to further enhance customers banking experience and satisfy all their financial needs.

Marketing & Sales Workshops Participant

• Jan 2018 - Jan 2018

Trainee

• Aug 2017 - Aug 2017

Qatar National Bank (Q.P.S.C.) (QNB Group) was established in 1964 as the country’sfirst Qatari-owned commercial bank, with an ownership structure split between the QatarInvestment Authority (50%) and the remaining (50%) held by members of the public.QNB Group has steadily grown to be the biggest bank in Qatar and the largest financialinstitution in the Middle East and Africa region.For the three months ended 31 March 2018, Net Profit reached QAR3.4 billion (USD 0.9billion), up by 7% compared to previous year. Total assets increased by12% from March2017 to reach QAR 834 billion (USD229 billion), the highest ever achieved by the Group.In 2016, QNB Group completed the acquisition of 99.88% stake in Turkey’s FinansbankA.Ş.(now known as QNB Finansbank), the 5th largest privately owned universal bank. In2013, the Group successfully completed the acquisition of 97.12% stake in the secondlargest private bank in Egypt, QNB ALAHLI (QNBAA). The Group has also extended itsregional footprint by acquiring stakes in various financial institutions including a 20.1%stake in Ecobank Transnational Incorporated (Ecobank), the leading pan-African bankbased in Togo, 35% stake in the Jordan-based, the Housing Bank for Trade and Finance(HBTF), 40% in Commercial Bank International (CBI) based in the United Arab Emirates(UAE), 99.99% of QNB Tunisia, 51% in the Iraqi-based Al-Mansour Investment Bank,49% of the Libyan based Bank of Commerce & Development and 20% stake in AlJazeera Finance Company in Doha. QNB Group also retains 51% stake in QNB-Syria,an 90.96% stake in QNB Indonesia.Based on the Group’s consistent strong financial performance and its expandinginternational presence, QNB is currently ranked as the most valuable bank brand in TheMiddle East and Africa, according to Brand Finance Magazine.

Audit Simulation

• Aug 2017 - Aug 2017

Two Days Audit Simulation. Two Days Audit Simulation.

Trainee

• Jul 2016 - Jul 2016

AlexBank is one of Egypt’s leading private sector banks. Established in 1957, the bank later sold 80% of its shares to the Italian group Intesa Sanpaolo. The IFC subsequently became a shareholder, acquiring 9.75% of the bank to Intesa Sanpaolo. AlexBank has since launched an ambitious development strategy to move in line with Intesa Sanpaolo’s innovative systems and platforms and has recently set the standard for branch design ,IT infrastructure, services and a portfolio of financial services. With a country wide network of 180 branches and over 1.5 million customers, AlexBank represents Egypt’s largest private sector bank in terms of branch network and one of the largest in terms of deposits with an 8% market share.