Heba Elrify, MBA

Experience

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  Credit Lyonnais

  Mar 1996 - Dec 2004

  Assistant Manager - Financial & Administrative Dept.

  Project-based assignmentsScrutinize branches daily transactions

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  Credit Agricole

  Mar 2006 - Nov 2011

  Corporate Credit Application Analysis and Appraisal Borrower Portfolio Administrative Management

  • Manager - Enterprises Banking - Portfolio Quality

    Nov 2009 - Nov 2011

  • Assistant Manager - Corporate Credit Control

    Mar 2006 - Nov 2009
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  National Bank of Abu Dhabi

  Feb 2012 - Jun 2012

  Credit Manager

  o Increase quality of credit requests according to set policies & procedureso Improve credit Requests workflow, reducing time gaps and help progress the streamlining and process re-engineeringo Receive, review and recommend amendments to Enterprises Banking credit requests (renewal, new relationships, memo reviews, limits amendments...)o Appraise credit requests to heads and committees with technical briefing, pinpointing substantial necessary adjustmentso Liaise with relationship managers to create a comprehensive and coherent credit request package (renewal, new relationships, memo reviews, limits amendments...)o Extend necessary aid and advise to relationship managers on structure of facilities, policies & procedures based on related technical aspectso Provide focal point for risk-related items (credit packages, approvals, memos, waivers,…), ensuring proper adherence to policy & procedures o Present up-to-date information and presentations on Assets Portfolio quality (risk rating, new approvals, matrices of limits /utilization pertaining to risk rating categories, etc.)o Revise and monitor special transactions (referrals, past dues, facilities extension, one-off transactions, etc.)o Participate in meetings that tackle related tasks (Process Automation, streamlining credit process, etc.)o Monitor and supervise progress of log and the tracking of above related issues (requests in pipeline, pending AFLs, pending documentation, etc.)o Guide, mentor and supervise assistants and subordinates towards achievements in above related taskso Related tasks Show less

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  Business & Management Institutions

  Mar 2013 - now

  Consultant - Finance and Banking

  Provide advisory on finance and banking aspects to companies with financial expansion & re-structure needs. Advise on financing alternatives for business projects and expansions.

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  Business & Financial Institues

  Apr 2013 - now

  Trainer, Lecturer & Instructor in Banking & Finance

  - Created, designed & delivered hundreds of successful training courses both to academic and executive audience - Design, implement and lead executive training & courses in addition to capacity building programs- Train, instruct & lecture on diversified technical aspects in Banking & Finance domain- Define course goals according to audience objectives & educational needs- Conduct informative in-class discussions to facilitate knowledge among attendees- Present up-to-date and conventional trends in Banking & Finance- Provide insights into state-of-the-art financing and fund-raising alternatives for Entrepreneurship and small business start-ups- Present via diversified media to ensure covering essential rubrics- Prepare quizzes & assignments to ensure student's understanding of presented topics- Evaluate students and audience for their participation and assignments Show less

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  The American University in Cairo

  Jan 2014 - now

  Faculty Member

  Bank management and operations instructor.

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  Sarwa Capital Holding

  May 2015 - Dec 2021

  http://sarwa.capital/ CONTACT provides a bundle of financial services to Corporate & Retail clients. Financial services offered to Corporate customers include Insurance services, Brokerage, Factoring, Financial Leasing and Securitization. While Retail customers are offered Insurance services, mortgage, consumer finance and vehicles' finance.

  • Member of The Senior Credit Committee

    Apr 2019 - Dec 2021

  • Corporate Credit Director

    May 2015 - Dec 2021
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  Plus Leasing Company

  May 2015 - Dec 2021

  Head of Credit Department

  ▪ Member of the Credit Approval Committee, Board of Managers and Executive Management Board. Delegated co-approval authority▪ Manage, monitor and analyse Lease Portfolio in economic sectors and other concentrations▪ Design, update and maintain credit and leasing policies and procedures▪ Design, update and maintain services products and financing programs▪ Ensure the company's policies & procedures are followed according to established guidelines and make recommendations for improvement▪ Plan, organize, direct, control and evaluate the credit department operations , credit process▪ Responsible for the process of administering leasing facilities and related activities▪ Design and develop business process and supervise implementation of the internal credit approval system installation▪ Interview corporate customers and discuss leasing facilities structure and conditions▪ Analyse, review and approve or reject loan and credit applications in accordance with authorized delegations▪ Monitor processing of loan applications and credit investigations▪ Oversee preparation of periodical progress reports of the department and senior management reports▪ Recruit, mentor personnel and identify their training needs. Show less

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  Egylease (IDB Group)

  Dec 2021 - Aug 2024

  GM - Chief Risk Officer