Credit Manager

• Aug 2023 - Present

Credit Officer

• Jan 2022 - Jul 2023

Senior Credit Analyst, Commercial International Bank – Egypt "CIB", (Credit Department)

• Jan 2019 - Jan 2022

Overview:Current Industry: Sector covered Food Processing, Oil & CommoditiesWorking within a Food Processing team (specifically : confectionary, processing companies and retailers), handling a loan portfolio of EGP 1 bn, starting from November 2019 till date, previously handling a loan portfolio of EGP 1.4bn for Sugar processing and Rice Milling companies.Key Responsibilities:- Conducting analysis for existing and new exposures, which involves financial statement spreads & projections; cash flow; review of performance trends; and evaluation of client's business.- Tailoring finance options with their appropriate support packages for handled portfolio, incorporating financial assessment, risks associated with lending industry analysis and projected debt service.- Preparing cohesive market analysis in order to identify potential opportunities and inherent market risks.- Working with senior officials to enhance the bank’s “Share of wallet” and enhance utilization under the companies’ approved facilities.- Creating internal reports to ensure the accomplishment of senior management instructions. Key Achievement:- Increase managed loan portfolio to reach EGP 1.4 bn up from EGP 400m.- Presenting industry analysis to senior management to obtain their in-principle approval to increase specific sector loan portfolio by an average of EGP 1bn.- Maintaining high level of utilization to reach 94% under handled loan portfolio.- Applying financing mechanism appropriate with the companies’ financing needs to reduce indirect costs accordingly, increase the profitability generated from handled accounts. Show less

Credit Analyst, Commercial International Bank – Egypt "CIB", (Credit Department)

• Jan 2017 - Dec 2018

Sector Covered: Oil & Gas and Chemicals / Oils and CommoditiesOverview:- Created credit approval memos, which entails the analysis of credit customers with special emphasis on perceived, and current risks as can be highlighted through financial statements analysis including projections. As well as proposing the appropriate credit facilities structure and recommendations to the approving body.- Responsible for overseeing daily corporate customer operations.

Credit Trainee, Analyst Course - Commercial International Bank – Egypt "CIB", (Credit Department)

• Nov 2015 - May 2016

- Worked on Annual Updated and Memorandum from different industries as Building Materials, Cement and Textiles.- Assigned for three months in Textiles group during the credit analyst pool period to assist the group for finalizing the annual reviews and to conduct analysis for new exposures.- Follow up with customers and related bank directors Corporate Exposure Group, Corporate Risk Management, Credit Administration and Branches.

Senior Corporate Specialist, Commercial International Bank – Egypt "CIB", (Credit Department)

• Jun 2012 - Oct 2015

Sector Covered: Construction, Real Estate, Cement, Building Materials, Textiles and Food & BeverageOverview:Monitoring and handling the portfolio under management daily operations to ensure smooth workflow and customer satisfaction in line with the banks'& CBE regulations.

Sales & Services Representative, Commercial International Bank – Egypt "CIB", (Consumer Banking)

• Jun 2010 - May 2012

- In charge of all the sales-related activities at CIB. Products to be sold including: Certificates of Deposits, Time Deposits, Saving Accounts, Current Accounts, Overdrafts, Bancassurance, Loans (Personal, Mortgages and Automobiles) and Credit Cards.- Acting as financial advisor for a portfolio made of 1500 customer.- Contributing to maintain strategic relations between then bank and all its contracted companies.- Handling and processing all the different customers’ requests.

Teller

• Dec 2006 - May 2010

- Handle all cash transactions and customer requirements- Issue cheques and keep cash-flow overview- Control on cheque deposits, inter-account transfers in accordance with bank guidelines and procedures- ATM cash replenishment- Cash withdrawal/lodging with vault/main safe and end of day reconciliation of cash and valuables authorized on the vault, register and batches- Check tellers' transactions- Control, maintain and update bank database (petty cash, transactions, bank vouchers, suppliers' data)Receive cheques under collections and transfers Show less