Experience

Medaf Investments

• Egypt
• Investment Management
• 1 - 100 Employee

• Team Leader, Credit Risk

  • Nov 2019 - Present

   At group level:  Prepare Credit Proposals including Industry analysis, business opportunities, financial statement analysis, risks and mitigates, ROI & ROC, valuations and recommendation. This enables the management to assess the investment opportunities.  At Leasing level “under establishment”:  Prepare the Credit Policy Manual.  Prepare credit proposals to be presented to credit committee for final credit approval.  At group level:  Prepare Credit Proposals including Industry analysis, business opportunities, financial statement analysis, risks and mitigates, ROI & ROC, valuations and recommendation. This enables the management to assess the investment opportunities.  At Leasing level “under establishment”:  Prepare the Credit Policy Manual.  Prepare credit proposals to be presented to credit committee for final credit approval.



Ayaan Leasing Co.

• Senior Financial Analyst

  • Apr 2013 - Aug 2015



Bank Audi, Head office

• Relationship Manger - Syndication & Project finance

  • Dec 2009 - Nov 2012

  Preparing Credit Proposal Memorandum (CPM) to be presented to the Head Office Credit Committee (HOCC) for final credit approval. The CPM includes:The proposed facility structure, Financial Statement Analysis (FSA), Obligor Risk Rating (ORR), the risk mitigates, market and industry analysis, client's business cycle, expected account profitability, the strengths, weaknesses, opportunities, and threats associated with the relation (SWOT Analysis) and finally recommendations based on the write-up.Coordinating with the Credit Risk Department to insure safe corporate relationship and to reach the proper quality credit risk decision. Following-up with other departments to insure smooth relationship with the new and existing clients.Conduct regular accounts follow up assisted by periodical reports and portfolio reviews. Develop new business; follow informal market survey, and cross-selling of all banks products .Managed with my team a portfolio of EGP 2.2Billion consisting of 18 clients. "Syndication and Project Finance Clients"Bank Audi, Head office in Egypt. Corporate Credit Department "Syndication Unit"



Delta - Rasmala Securities

• Relationship Manger

  • Apr 2009 - Dec 2009

  Traded for the International Desk. Traded for global Investment Banks (mainly ABN AMRO & RBS) executed their buy and sell orders. Traded for Egyptian Asset Management Funds.Traded for high net worth clients and provided daily buy/sell recommendations.

• Equity Analyst

  • Aug 2007 - Apr 2009

  Prepared Research reports on companies listed on the stock exchange.Reports include fundamental analysis including projections, cash flow and valuation and industry analysis.Prepared quarterly Flash Notes, including comments on company's interim financials. Prepared Daily Morning notes including analysis of main financial news and their impact on the stock market and equities. Prepared daily market wrap up, including a brief comment on the market performance. Conducted regular meetings with companies under my coverage list.Main Sectors covered were Oil & Gas, Fertilizers, Pharmaceuticals, Textiles and Steel.



Arab African International Bank

• Egypt
• Banking
• 700 & Above Employee

• Customer Service Officer

  • Nov 2006 - Jun 2007

  Assisted Customers with their various requirements.Marketed the Bank's productsConducted required admin. work for opening new accounts. Assisted Customers with their various requirements.Marketed the Bank's productsConducted required admin. work for opening new accounts.