Credit and Risk Director

• Jan 2021 - Present

Vice President - Credit and Risk Management-EFG Hermes Corporate Solutions

• May 2018 - Dec 2020

Conduct thorough credit & risk assessments for large corporate clients including deep analysis for company’s operational and financial performance.• Coordinate the set-up and guidelines for the credit and risk process with senior team members, while ensuring proper compliance with all standards and policy guidelines.• Assist in updating and amending the credit policies and risk process to ensure adequate application of the credit assessment process.• Concluded several acquisition deals including buyouts and cross-selling transactions with investment bank and private equity firms along with providing new financing solutions.• Monitoring portfolio performance and overdues, along with concluding restructuring and remedials for non-performing clients. .conclude annual and portfolio reviews• Synchronize operations with third parties including clients, banks and co-lessors in addition to ensuring proper coordination with internal departments.• Manage and mentor team of senior analysts, while conducting regular performance evaluation.• Secretary of the Credit Committee, while handling committees’ minutes' preparations for all committees. Show less

Associate Vice President- Credit and Risk Management - EFG Hermes Leasing

• Apr 2015 - Apr 2018

- Conducting detailed fundamental analysis for prospected clients, evaluating their credit worthiness, payment capacities, risk position and projecting their future performance.• Review, adjust, reconcile and interpret financial statements and ratios.• Analyzing industries’ performances, and sector variables to assure companies' compatibility among its peers, aside from concluding peer analysis.• Ensure compliance with company’s credit standards aside from developing a credit risk scoring model & credit rating system.• Write credit approval memorandums for medium and large corporate clients provided with recommendations to be presented to the subject credit approving committee.• Conduct annual review reports for clients to monitor clients’ actual operational and financial performance.• Supervise, review, train, and mentor subordinates Show less

Credit Assistant Supervisor

• May 2013 - Mar 2015

Direct reporting to the General Manager.• Write credit approval memorandums on medium and large scale (up to EGP 220MM lease) provided with recommendations to the subject credit approving committee including board committee.• Engage in the leasing process to major industrial sectors including; oil& gas, garments, real estate & construction, pharmaceuticals, among others.• Supervise and mentor two subordinates.• Conclude company portfolio analysis followed by supplementary reports including portfolio compliance report and subordinated loans.• Handling portfolio securitization with subject banks. Show less

Credit Analyst (October 2010) promoted to Senior Credit Analyst (June 2011)

• Oct 2010 - Apr 2013

-Developed a sound grounding for analyzing clients’ credit worthiness, existing & projected cash flows, risk positions, growth potential and debt servicing capacity.• Interpreting clients’ financial and operational efficiency in comparison with their market peers.• Develop detailed credit memorandums provided with recommendations to management & credit committees.• Conducting quarterly industry coverage reports followed by detailed industry analysis for each client separately.• Secretary of the Management Credit Committee, handling committee's approvals & minutes' preparations. Show less

Research Analyst, Research Department

• Sep 2008 - Jun 2010

-Making daily and monthly news report for Egypt, UAE, Oman and Saudi Arabia covering major sectors’ news and stock performances. • Assisting in making industry coverage reports for major industries with a concentration on the petrochemical and banking sector including; spreading worksheets, pre-modeling, fundamental analysis, industry coverage, and projections. • Attending general assembly meetings, conference calls and interacting with clients -Making daily and monthly news report for Egypt, UAE, Oman and Saudi Arabia covering major sectors’ news and stock performances. • Assisting in making industry coverage reports for major industries with a concentration on the petrochemical and banking sector including; spreading worksheets, pre-modeling, fundamental analysis, industry coverage, and projections. • Attending general assembly meetings, conference calls and interacting with clients

Assistant Admin to the Chairman

• 2009 - 2009

-Participated in preparing the second reform paper plan for the financial sector following the former reform plan in 2004. -Role: attending committee meetings, writing meetings’ findings, accumulate & summarize private committees’ plans and piling up an outcome draft paper with recommendations for each segment. -Participated in preparing the second reform paper plan for the financial sector following the former reform plan in 2004. -Role: attending committee meetings, writing meetings’ findings, accumulate & summarize private committees’ plans and piling up an outcome draft paper with recommendations for each segment.