Mohamed Zakaria
Deputy Credit-Risk Manager at BM Lease- Claim this Profile
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Arabic Native or bilingual proficiency
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English Full professional proficiency
Topline Score
Bio
Credentials
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Credit Certificate
Egyptian Banking InstituteJan, 2017- Sep, 2024
Experience
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BM Lease
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Egypt
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Banking
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1 - 100 Employee
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Deputy Credit-Risk Manager
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Jan 2022 - Present
* Prepare credit packages and financial analysis for new commitment to grant either a factoring facility or leasing facility.* Conducting detailed review for existing clients in the annual update to ensure the accuracy of the numerical figures, financials and related analysis in terms of historical performance analysis, industry over view, business risk and mitigates.* Presenting credit packages and memos with clear opinion either through supporting or declining the presented cases. * Reviewing buyers and suppliers addition memos from factoring perspective.* Reviewing the credit packages for the prospect clients & the annual updates presented from the Credit Risk officer.* Assist the Marketing Team to build new portfolio by referring new clients.
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Assistant Credit-Risk Manager
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Nov 2020 - Jan 2022
-Prepare credit pacakge and financial analysis for the new committments to grant factoring facilties and /or leasing facility.-Conducting detailed review for existing clients in the annual update to ensure the accuracy of the numerical figuers, financials and related analysis in terms of historical performance analysis, industry overview, business risks and mitigates.• Presenting credit packages and memos with clear opinion either through supporting or declining the presented cases.-Presenting the credit pacakges and memos to the credit committee.
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Egypt Factors
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Egypt
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Financial Services
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1 - 100 Employee
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Assistant Credit Manager
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Oct 2019 - Nov 2020
-Prepare credit pacakge and financial analysis for the new committments as per group polices and factoring perspective.-Conducting detailed review for existing clients in the annual update to ensure the accuracy of the numerical figuers, financials and related analysis in terms of historical performance analysis, industry overview, business risks and mitigates.-Presenting the credit pacakges and memos to the credit committee after risk review.
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Assistant Risk Manager
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Oct 2018 - Oct 2019
- Reviewing packages for new commitments and annual updates for existing clients.- Reviewing presented memos.- Reviewing buyers and supplier additions memos from factoring perspective.- After reviewing presented packages or memos give a clear opinion to be discussed in the credit committee.- Review counterparty due diligence information.- Identify the ultimate beneficial owner for shareholder and management.- Screening their names along with company’s name in sanction lists , world compliance portal , Egyptian general prosecutors banning lists.- Approve on boarding counter party
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Credit Agricole Egypt
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Banking
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700 & Above Employee
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Relationship Officer - Business banking
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May 2016 - Oct 2018
- Handling daily operations for borrowing companies (+200M EGP sales).- Handling and finalizing borrowing documents for clients.- Assist RM in preparing credit packages.- Refer new business and potential clients(+200M EGP Sales) to RM.
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Relationship Assistant
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Jun 2012 - May 2016
- Handling Affluent & VIP Customers requests.- Promoting / Cross Selling retail products.- Assist in other duties as assigned.- Attracting and retaining customers
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Education
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2015 - 2017
Arab Academy for Science, Technology and Maritime Transport
Master of Business Administration - MBA, Banking & Finance -
El Sadat Academy for Management Science (Canadian Program –University of New Brunswick).
Bachelor's degree, Business Administration -
St. Fatima Language School
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