kareem mousa mohamed

SMEs credit managerFull Time

• Job Details:As a Credit Manager in the SMEs sector at Industrial Development Bank, I have been responsible for overseeing a diverse portfolio of small and medium-sized enterprises (SMEs). My key responsibilities include: Portfolio Management: Successfully managed a portfolio of SMEs, comprising small corporates with credit requirements ranging from 1 million to 50 million EGP, and medium corporates with credit requirements from 50 million to 200 million EGP. I ensured the optimization of portfolio performance and profitability through effective monitoring and strategic decision-making. Credit Analysis: Conducted thorough and detailed reviews of credit applications and financial statements. My analysis focused on assessing the creditworthiness and risk associated with each application, providing a solid basis for informed lending decisions. Relationship Management: Stepped in as a surrogate for the Relationship Manager, effectively managing daily transactions, addressing past dues, and maintaining robust interactions with customers. My role involved ensuring a seamless client experience and fostering strong relationships. Regulatory Compliance: Ensured that all transactions and credit proposals adhered strictly to regulatory standards and internal policies. My commitment to compliance has helped in maintaining the bank’s reputation and mitigating potential risks. Financial Negotiation: Played a pivotal role in negotiating credit terms with the risk department and lending committees. My negotiations aimed at securing necessary approvals while balancing the bank’s risk exposure and the clients' financial needs. In this role, I have demonstrated strong analytical skills, a deep understanding of financial regulations, and the ability to build and maintain valuable client relationships, all of which contribute to the bank's success in the SME sector.

Senior relationship manager at SMES DepartmentsFull Time

• Job Details:The Main duties:- •Reviewing all cases’ documents of SMEs team to know the ability to work with or not before starting working on it. •Reviewing all cases' Memos of SMEs team before sending to Risk sector. •Managing a portfolio of enterprises working in various economic sectors economic sectors With : - 1M - 50M EGP small Corporates portfolio. 50M - 200M EGP Medium Corporates portfolio. •Analyzing Credit data and Financial Statements to determine the degree of risk involved in extending credit and customers'financial status. •Preparing whole credit proposals to determine the degree of risk involved in extending credit with all related activities including spreads and FSA, industry analysis, SWOT analysis and recommending the facility structure to be granted to the customer based on the study. •Acting as a surrogate for the RM on a constant basis including daily transactions, past dues management and general management of account. •Managing customer's daily transactions, past dues management, following up for utilization of limits and negotiation with risk department and lending committees to obtain required approvals and facilitate ongoing transactions. •Using e-spreading Moody's system to generate financial ratios used in preparing credit memo. •Negotiating and discussing with risk officers in order to reach to the best credit package for both the bank and the client. •Preparing response reports to both bank's inspection notification as well as the CBE's notifications regarding my portfolio •Doing calls to potential customers to discuss their needs and negotiate the ideal facility structure. •Preparing whole credit proposals to renew all packages of financing for current enterprises

Senior Credit Analyst–relationship manager at Syndicated loans DepartmentsFull Time

• Job Details:1. Spreading financial statements (Income Statement, Balance Sheet and Cash flow) under Spreading System "Moody's Risk Analyst 2. Analyzing and interprets Financial Statements Analysis. 3. Projection studies for Medium & Long term Loans. 4. Preparing the credit memorandums for new customers and renewal / amendments memorandums for the existing customers, the Credit memorandum includes - Gathering company profile data and Information. 5-Negotiating and discussing with risk officers in order to reach to the best credit package for both the bank and the client. 6-Preparing response reports to both bank's inspection notification as well as the CBE's notifications regarding my portfolio 7-Doing calls to potential customers to discuss their needs and negotiate the ideal facility structure.