Youssef Dawaba

Experience

• 

  First Abu Dhabi Bank (FAB)

  Jan 2019 - Jan 2022

  Centralized sanding instructions and Internal transfers Exective Officer - Operation department

  • Execute all transfers, payments and disbursements with the accepted time frame.• Handling all Incoming Transfers and review them according to the internal policy and compliance procedures. • Handling all errors regarding branches and departments that are concerned with the transfers departments while maintain the internal control. • Handling all customer requests originated in the branches and sent to the department. • Handling all the NPO accounts and their transfers. • Handling the settlement of any transfer related to bank GLs (General ledgers). • Handling the archive section and making sure everything is up to standard. • Responsible for training, developing and providing business awareness for a team of trainees. • Improve the operation efficiency, effectiveness and manage the operational risk involved. • Ensuring that the daily report is equivalent to the transactions made and nothing is missing. • Identify, control and report for any potential or existing risks and assist in the formulation of corrective measures. عرض أقل

• 

  National Bank of Egypt (NBE)

  Feb 2022 - now

  •Reviewing the signed protocols and/or being signed between our bank and the guarantee/insurance companies against various non-payment risks in coordination with the small and medium Enterprises financing sector and other relevant sectors and verifying their compatibility with the instructions of the Central Bank of Egypt and the credit policy of our bank, especially those related to the mechanisms of disbursing compensation and/ Or contributions in case of non-performing clients and/or settlement of troubled debts...etc. and other conditions and controls the conditions contained in the protocols that have an impact on guarantees and work to unify the terms of those protocols.•Notifying the guarantee companies of the new non-performing clients immediately after notifying the risk groups and the credit admin follow-up and the investigation group of the new non-performing clients on a regular basis.•Coordination among the sectors and units for recovering the non-performing loan’s debts in the regions, the main center, and the guarantee company’s insurance against the risks of non-payment regarding the follow-up of the guarantee documents issued by these companies in order to collect the compensation due to our bank and to verify the completion of all necessary documents in accordance with the protocols and contracts signed in this regard with the companies. various guarantees in order to quickly recover the bank dues.•Negotiating with guarantee/insurance companies against the risk of non-payment regarding any disputed guarantee documents and the meetings, visits, etc. that this requires, in coordination with the marketing sector for small and medium enterprises.•Evaluating the performance of guarantee/insurance companies in terms of commitment to disbursing compensation due according to standard timings and adhering to the terms of protocols and signed contracts, and including this in the reports presented to the bank’s senior management if necessary. عرض أقل •Recovering the non-performing loans for large companies whose dept balances exceed 50 million EGP, managing their portfolio through (scheduling - settlement - payment in kind - capitalization - etc.), and participating in presenting periodic analytical reports regarding them to the bank’s senior management. •Developing a framework and strategy for managing the non-performing account’s transactions (for large companies) and defining work controls and procedures, how to manage the non-performing accounts, the principles that must be considered, and the models used in the study, analysis, and reports that must be prepared periodically.•In the event that it becomes clear that there are no real requirements for the continuation of the debtor company or the financed project, and there is no hope of resolving it, and there are no guarantees or any assets that can be referred to (after obtaining a recent inquiry report), and/or if legal measures are taken without achieving positive results to recover any dues. and the ineffectiveness of the legal measures taken regarding it (after obtaining the opinion of the legal sector), so these debts are written off.• Evaluating the risk rate for the non-performing loan’s accounts according to the (IFRS9) standard on a regular basis, who are classified as risk rate levels 8, 9, and 10 according to the digital risk rate evaluation models, with the aim of determining the appropriate classification for each of them.•Coordination with the relevant sector to take and intensify legal measures against customers in the event of proven fraud on their part, in accordance with the instructions of the Central Bank of Egypt in this regard, and to discuss the most appropriate ways to ensure the payment of the bank’s dues as quickly as possible in order to avoid worsening the debt situation in a negative manner or wasting the corresponding guarantees or Decrease in value عرض أقل

  • Credit guarantees follow up and collection sector, Dept recovery and restructure group officer

    Sept 2022 - now

  • Large corporate, Dept recovery and restructure group officer

    Feb 2022 - Sept 2022