Karim Magdy Moussa

Operation Section HeadFull Time

• Job Details:• Managing daily activities of the Mortgage Operations Department • Performing all lending functions, including sales, funding, processing, and closing • Developing and implementing policies and procedures • Identifying key factors in team members’ turnover and making improvements • Establishing clear measurable goals to determine individual and team results • Encouraging team members on their accomplishments • Driving team to continuously improve in key operational metrics • Reviewing the entire legal, finance, and credit files • Providing departments with customer’s balances and financial positions • Reviewing reports to Financial Regulatory Authority (FRA), fire insurance, life insurance, Real Estate Finance Fund, amortization schedules for a new loan, full and partial repayment calculations, interest rate ratio tables and other reports issued by the Operation Department

Senior Operation SupervisorFull Time

• Job Details:• Coordinating with all departments to follow up on loan origination, ending with finishing the deal with clients such as retail or portfolio. • Revising and classifying all documents from Sales, Business Development, and Customer Service Departments to ensure their clarity and authenticity, in conjunction with the archive officer • Monitoring workflow processes once documents are received, by sending e-mail to relevant departments for follow-up • Ensuring the Investigation Department’s approval of clients’, I-score • Communicating with the Legal Department to issue legal memo and provide us with requirements • Monitoring the Insurance Department’s performance with insurance companies regarding approval for clients life and property insurances • Ensuring that the Credit Department has preliminary approval • Following up approval memo issuance • Sending any other requirements to the Customer Services Department to provide from clients • Ensuring that legal, credit, and engineering requirements are complete before disbursement • Revising contracts and other appendices for portfolio acquisition or retail • Finishing deals with clients & ensuring customer satisfaction • Preparing FRA reports (Financial Regulatory Authority) • Create and generate-customers’ follow-up reports (retail/portfolio) for missing or required documents from all departments not yet received • Preparing credit line reports (protocol between AAIB and AAIMF for lending money) • Following up monthly reports with departments (Insurance (issuance or renewal policy), Investigation (I-Score, Central Bank) & Finance (Customer’s correspondence)) • Organizing all processes for new projects (CBE Initiative, low-income clients, Real Estate Finance Fund, and State-subsidized housing project)

Credit risk department - Credit OfficerFull Time

• Job Details:• Verification of all applications to ensure policy conformity and company’s credit during the preparation of credit notes, confirming accuracy, comprehensiveness and clarity before presentation to the competent authority, in addition to the preparation of all periodic reports with respect to financial risks for decision-makers • Preparing, following up and controlling all daily credit movements, transactions and entries in the debit customers’ accounts • Examining documents submitted by customers (documents of income, query, evaluation and legal documents and requirements) • Evaluating financial performance of new and/or existing debit customers in accordance with financial statement analysis trends • Evaluating and scoring customers’ credit rating to decide on the range of their creditworthiness through checking their I-score report • Studying project rational method of lending (asset conversion cycles, projected cash flow, and asset protection) • Examining all documents to prove income from analysis of financial statements and budgets, in addition to bank account statements • Full responsibility to approve or decline any credit applications and loans for customers (Credit memos must be submitted to the Credit Committee and in case of approval, the Operation department with a credit commercial decision, takes the necessary procedures for the agreement and providing the finance) • Checking credit rating as well as reports of credit for customers • Estimating and checking income status • Preparing credit notes and periodic reports to clients applying for funding through the company.