Experience

NSGB

• Manager



QNB Alahli

• SME Credit Manager

  • Jan 2014 - Present

  • Work on developing strategies & policies for the SMEs department to attract potential clients & ensure the suitability of the existing portfolios.• Follow up on SMEs Credit files in coordination with Risk Assessment department.• Identify SMEs business opportunities through market studies.• Suggest means to manage risks & implement best banking practices & highest standards of quality & integrity in order to raise the bank’s profitability.• Follow-up on the achievement of SMEs targeted sales & profit levels for SME business in coordination with SMEs Marketing Manager.• Participate in setting, modifying & reviewing the SMEs Credit Policies, coping with the developments took place in the market.• Monitor & review the presented CPM, ensuring that the presented files are in conformity with QNBAA, CBE & SMEs policies.• Review & follow-up on achieved credit approvals in order to improve product offerings continuously.• Study & analyze product/credit offers features to assure their compliance with customers & market needs.• Coordinate with HR Team in planning, organizing & delivering the required training courses related to SMEs business & acting as technical advisor in credit aspects.• Adhere to policies & procedures in order to guarantee that QNBAA business in conducted in compliance with local laws, internal rules & regulations, as well as, international standards. Show less

• SME Credit Follow-Up Manager.

  • Oct 2009 - Dec 2013

  • Follow-up on SMEs executives in preparing & presenting the various reports required by the management and/or other departments.• Work on confronting risks & implementing best banking practice, highest standards of quality & integrity in order to raise the bank’s profitability.• Review & follow-up the watch list & sensitive SMEs clients’ reports/portfolios, follow-up the implementation of the recommendations/decisions monitored with the concerned branch/group.• Analyze & overview the internal & external audit reports, CBE reports & bank reports on SMEs activities.• Assess & monitor the reports of the expiry date of facilities, dormant accounts, past dues, overrun, abnormal…etc., & push the groups to achieve progress in these cases as well as ensure that the branches are taking the proper actions for regularization.• Maintain cooperation & coordination between internal & external SMEs stakeholders to ensure harmony & efficiency.• Follow-up on the achievement of SME targeted sales & profit levels for SMEs business.• Adhere to NSGB’ policies & procedures in order to guarantee that SME business is conducted in compliance with local laws, internal rules & regulations, as well as, International standards. Show less



National Societe Generale Bank - Cairo branch.

• Cairo

• Deputy Branch Manager & Head of Trade finance.

  • May 2003 - Sep 2009

  Control and plan various activities of trade finance within established policies & procedures. • Organize and maintain the quality, systems and structure of the operations & services agreements. • Contribute to the branch profitability through effective operations management and excellent service response to both current & prospective customers. • Represent point-of-contact for complex and large corporate accounts, solve unusual problems arising from customers that required good judgment and on-the-spot decisions. • Authorize issuance and amendment of trade finance instruments; LCs, LGs, documentary collections and so forth. • Review and /or examine documents presented under different instruments. • Review internal controls regarding segregation of duties, authorization of entries, reconciliation and assignment of work. • Recommend new services and procedures, plan for business unit needs. • Prepare action plans and monthly reports in cooperation with the branch manager. • Exercise daily supervision of account personnel to ensure timely and complete services. • Develop and train personnel to assume varied responsibilities in the area of trade finance unit. • Keep knowledge of international trade practices and domestic bank operations to be able to relate needs of domestic customers & foreign correspondent banks. • Ensure the correct functioning and implementation of permanent supervision system, compliance money laundry and KYC rules at the branch. Show less



National Societe Generale Bank - Cairo branch

• Cairo

• Assistant Manager & Head of Trade finance.

  • Jun 2000 - Apr 2003

  • Direct and coordinate the branch activities of trade finance within established policies and procedures. • Handle large and important accounts and develop new business and counsel customers on trade finance operations. • Check issuing procedures, authorize various shipping documents, endorsements and collections. • Review work flow and monitor operations, develop plans to cope with changing volumes and services. • Solve problems of non-routine nature. Handle customers’ reconciliation problems and their request for different information and documents. • Contact correspondents, local banks and related institutions in cooperation with the head office trade finance center. • Authorize and verify different LCs SWIFT messages. • Sign letters of guarantees issued and its amendments. • Assist account officers with problems that involve changes or special handling transactions. • Coordinate with other areas in the bank to secure efficient internal and external trade finance. • Supervise, train and develop staff to ensure functions are performed effectively. • Keep knowledge of CBE regulations, accounting procedures, as well as international developments and practices in the trade finance field. • Coordinate and cooperate with the head office trade finance center in completing the tasks of trade finance operations whenever applied. • Prepare and review periodic reports and statistics. • Ensure the correct functioning and implementation of permanent supervision system, compliance, money laundry and KYC rules at the branch. Show less



National Societe Generale Bank - Cairo branch.

• Cairo

• Section Head, Letters of credits & Letter of guarantees

  • Jan 1999 - May 2000

  Direct & coordinate the branch activities of trade finance within established policies and procedures. • Handle large & important accounts. Develop new business and counsel customers on trade finance operations. • Check issuing procedures. Authorize various shipping documents, endorsements and collections. • Review work flow and monitor operations. Develop plans to cope with changing volumes and services. • Solve problems of non-routine nature. Handle customer’s reconciliations problems and their requests for different information and documents. • Contact correspondents, local banks and related institutions in cooperation with the head office trade finance center. • Authorize and verify different LC SWIFT messages. Sign letters of guarantees issued or amended. • Give authorization to computer transactions above preset limits. • Assist account officers with problems that involve changes or special handling instructions. • Coordinate with other areas in the bank to secure efficient internal and external trade finance. • Supervise, train and develop staff to ensure functions are performed effectively. • Keep knowledge of CBE regulations, accounting procedures as well as international developments and practices in the trade finance field. • Coordinate and cooperate with the head office trade finance center in completing the tasks of trade finance operations whenever applied. • Prepare and review periodic reports and statistics. • Ensure the correct functioning and implementation of permanent supervision system, compliance, money laundry and KYC rules of the branch. Show less



​National Societe Generale Bank - Head Office department.

• Cairo

• Section Head, Letters of Credit dept

  • Sep 1996 - Dec 1998

  Responsibilities include: • Supervise the processing of daily work and ensure all activities are made according to established policies and procedures. • Establish objectives and action plans of the department and follow-up on the progress. • Authorize the issuance, amendments or canceling of letters of credits, conduct negotiations and issuance of import bills and issuance of settlement of export bills collections. • Review and examine documents, implement internal control procedures and manage the assignment of work among staff. • Oversee the preparation of the management control and regulatory reports. • Responsible for evaluating the performance of the personnel in the department, has the duty to keep the staff as the highest level of skill necessary to meet needs and objectives and may recommend that personnel be promoted or removed form the department. Show less