Mahmoud Zayed

Experience

• 

  بنك التعمير والإسكان HD Bank

  Jul 2019 - Sept 2019

  Cards operations Officer
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  Banque du Caire

  Oct 2019 - Jul 2024

  o Analyze SME credit Memos by reviewing financial and cash flow analysis and financial capacity, business profile, industry position, industry concentration, repayment capability, collateral adequacy, Account conduct in addition to the projections for long term loans. o Evaluate credit applications/ borrower ratings and make recommendations to management. o Ensure credit facilities have been properly structured, pricing and collateral is adequate and there is no any violation of internal or external regulations / policies. o Prepare Credit Risk recommendation with appropriate recommendations for approval, rejection or amendments based on credit analysis. o Credit assessment on new credit proposals and review existing accounts - the creditworthiness of counter parties and managing credit risks. o Review credit analyses, ORR and evaluate proposed limits which are to be discussed in the Risk Committee. o Conduct credit review to existing and prospect portfolio to ensure quality of credit package that includes but is not limited to analyzing clients' market position, business model, financial statements and key risks and mitigates. o Communicate with SME Business team to discuss cases and coordinate with them. o Permeant updates over the market news and governmental regulations. o Build professional relationship with work partners; Investigation, Enterprise Risk Management, Portfolio Management, Credit Admin, Documentation and Business teams. o Pass the daily transactions in respect of the credit approval, CBE regulations and BDC policy. Show less o Run campaigns based on customer behavior to increase the ENR of the credit cards portfolio and active cards.o Follow up on activation and retention, sales performance, spending, acquisitions, ENR, and planned revenues, comparing them with the budget.o Generate all reports on active and inactive cards, balance building of ENR, revolvers, and transactors.o Extract necessary data from the database for segment and portfolio analysis.o Create daily, monthly, quarterly, semiannual, and annual reports required by the business cards team and CBE.o Monitor running campaigns and ad-hoc task achievements.o Generate daily MIS reports that track acquisitions and portfolio performance.o Produce all performance reports related to the card’s portfolio.o Create, modify, store, and retrieve data to produce a variety of reports.o Generate a monthly Credit, Debit, and Prepaid Cards Dashboard for presentation Show less

  • SME's Credit Risk Analyst

    Sept 2022 - Jul 2024

  • Cards portfolio MIS & Analyst Officer

    Oct 2019 - Aug 2022
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  NBK Egypt

  Aug 2024 - now

  SME's Credit Risk-Corporate Risk Officer

  o Assess all types of risk (related to the obligor and the facilities / transactions) in the financing requests present by the Business line -Ensure that the proposed facilities / transactions are in accordance with credit policy & CBE Directives o Ensure that risk indicators / parameters (rating, account conduct, RAROC....etc) are properly & objectively determined / assigned to each counter party. o Ensure credit facilities have been properly structured, pricing and collateral is adequate and there is no any violation of internal or external regulations / policies. o Prepare Credit Risk recommendation with appropriate recommendations for approval, rejection or amendments based on credit analysiso Credit assessment on new credit proposals and review existing accounts - the creditworthiness of counter parties and managing credit risks. o Process d00aily transactions in respect of the credit approval, CBE regulations and BDC policy. o Collect global market / economic information required for proper assessment of counterparties within the assigned portfolio of business sectors. o Train & coach the risk analysts within risk divisions. o Follow up with business units to complete missing information required for the decision-making process.o Assess credit risk for Small & medium corporate customers. Show less