Moustafa Saeed

Experience

• 

  RSM Egypt - Consulting | FPO

  Jan 2014 - Jul 2014

  Junior Auditor

  -Prepare audit programs for each company to check all accounts.-Prepare financial statements and audit reports.-Help undertake the bookkeeping process for those clients who don't have the ability to perform it themselves, in these cases we help prepare all related book and accounting cycles.

• 

  Fathalla & Co.

  Aug 2014 - Jan 2015

  Semi Senior Auditor
• 

  Mazars

  Feb 2015 - Sept 2015

  Junior Auditor

  -Prepare audit programs for each company to check all accounts.-Prepare financial statements and audit reports.

• 

  Banque Misr

  Oct 2015 - Nov 2021

  -Reviewing credit proposal memos for Conventional and Islamic Sectors (SMEs, Mid Corporate and Large Corporate). -Preparing Independent Credit Risk Advices incorporating Risk management recommendations for credit line structuring, risk mitigation in advance of presentation to the relevant credit committee for final credit decision making. - Reviewing credit proposal memos for new credit originations, new transactions and annual review of Customers to ensure data integrity, accuracy of obligor / facility risk rating. -The relevant credit committee for final credit decision making recommendations for credit line structuring, risk mitigation in advance of presentation to the relevant credit committee for final credit decision making.- Committee member of readymade facilities product. - Prepare weekly and monthly reports. Show less Evaluating clients’ credit data and financial statements in order to determine the degree of risk involved in lending money to themPreparing reports about the degree of risk in lending money to clientsAnalyzing client records and using the data to recommend payment plansConferring with credit associations and references to exchange credit information on clientsEvaluating the financial status of clients by producing financial ratios through computer programsFilling out loan applications and including the credit analysis and loan request summaries, then submitting these loan applications to loan committees for their approvalHelping supply chain and sales and marketing departments in managing financial orders to help them control credit exposure, make payments on time, and reduce the risk of customer disputesConferring with clients to verify their financial/credit transactions and to resolve their complaints Show less

  • Corporate Credit Risk officer

    Oct 2017 - Nov 2021

  • SMEs Credit Analyst

    Oct 2015 - Sept 2017
• 

  EGBANK

  Dec 2021 - Nov 2022

  Senior Credit Risk Small & Medium Enterprises

  - Perform credit review function effectively according to policy and CBE guidelines for committee. Conduct credit review to existing and prospect clients to ensure quality of bookings withinAnalyze existing and potential risks inherent in credit proposal (normal assessment) / programs, ensure that same is properly mitigated and according to recommend ORR using the applied rating model . Maintain proper communication with all relevant departments to ensure completion of acceptable turnaround time, analyzing client’s market position, business model and applicable financials . SMES clients through conducting comprehensive evaluation for credit proposals and to daily tasks / transactions. assess obligors creditworthiness to provide credit decision / recommendations to respective .- Evaluate and provide recommendations to restructure irregular accounts wherever applicable.- Ongoing focus on market and regulatory changes that could affect credit decision. Show less

• 

  Banque du Caire

  Dec 2022 - Aug 2023

  SMEs Credit Risk Team Leader – Assistant Manager

  - Set Clear goals for the team and team members aligned with BDC strategy.- Motivate, drive and execute performance of the team guaranteeing the achievement of the goals.- Plan and prioritize the workload of the team to deliver tasks against agreed deadline.- Communicate with SME Business team to discuss cases and coordinate with them.- Committee member of ready-made facilities product and conventional up to 10 Million EGP .- Build professional relationship with work partners; Investigation, Enterprise Risk Management, Portfolio Management, Credit Admin, Documentation and Business teams.- Verify the accuracy of the on hand documents and financial figures double-checking in addition to the auditor credentials.- Identify the purpose of the proposed loan and the eligibility to the CBE initiatives.- Review on financial statements spread over the Moody’s system.- Financial analysis to cover the profitability trends, liquidity, solvency and cash flow analysis in addition to the projections for long term loans.- Analyze proposed credit applications against industry concentration and purpose of finance after calculating the financial need.- Permeant updates over the market news and governmental regulations.- Pass the daily transactions in respect of the credit approval, CBE regulations and BDC policy. Show less

• 

  NBK Egypt

  Aug 2023 - now

  - 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- Ensure that risk indicators / parameters ( rating , account conduct , RAROC....etc) are properly & objectively determined / assigned to each counter party.- Collect global market / economic information required for proper assessment of counterparties within the assigned portfolio of business sectors.-Train & coach the risk analysts within risk divisions.- Follow up with business units to complete missing information required for the decision making process.- Assess credit risk for Mid Cap & large corporate customers. Show less - Perform credit review function effectively according to policy and CBE guidelines for committee. - Conduct credit review to existing and prospect clients to ensure quality of bookings withinAnalyze existing and potential risks inherent in credit proposal (normal assessment) / programs, ensure that same is properly mitigated and according to recommend ORR using the applied rating model . - Maintain proper communication with all relevant departments to ensure completion of acceptable turnaround time, analyzing client’s market position, business model andapplicable financials . -SMES clients through conducting comprehensive evaluation for credit proposals and to daily tasks / transactions. assess obligors creditworthiness to provide credit decision / recommendations to respective .- Evaluate and provide recommendations to restructure irregular accounts wherever applicable.- Ongoing focus on market and regulatory changes that could affect credit decision. Show less

  • Corporate - MidCap Credit Risk Assistant Manager

    May 2024 - now

  • Small & Medium Enterprises Credit RiskAssistant Manager

    Aug 2023 - Aug 2024