Mostafa Esmael,CIPA

Experience

• 

  Square company for engineering firm.

  Jun 2007 - Aug 2008

  Accountant

  • Accountant at Square company for engineering firm.

• 

  EBI

  Jan 2010 - Jan 2010

  MY TRAINER
• 

  Banquemisr

  Aug 2014 - now

  Senior Relationship Officer - Islamic sector

  1.search and marketing to increase credit portfolio 12.Verify all the necessary documents required by the CBE and to implement the credit review and assessment3.Prepares full credit package (new /annual reviews /limit increase proposals for existing lessees).24.Check the financial data on spread sheets.5.Make the necessary spreading to generate the key ratios to be used to evaluate the customers’ financial status.6.Obtains Investigation, CBE and I-Score reports for clients to ensure credibility.7.Check the companies’ financial performance such as liquidity, profitability, credit history and cash, in addition to other factors as income growth, quality of management, market share, and potential risks of industry8.Referred by marketing and proposing a deal structure or rejecting unsuitable cases.9. Coordinates with the Risk department in conducting the Initial evaluation of cases and proposing a deal structure .10. Ensures compliance of (CAs) to credit program policies, Target Market Risk Acceptance Criteria, and Customer Selection Criteria.11. Manage a credit portfolio and manages its performance.12.Re evaluate feasibility study which introduced from client to finance start up project 13.Identify and mitigate various risks involved in both pre & post stages of credit approvals. 14.Monitor existing credit lines while giving emphasis on irregularities in operation of the advances15.Achieves credit quality goals by maintaining level of credit policy exceptions within prescribed ratios.16.Assists on the preparation of new credit programs related to new asset classes.17.Develop practical and appropriate credit solutions (lending structures) through understanding customers’ needs, delivering the credit risk analysis in line with agreed business needs.18.Prepares monthly reports to monitor accounts movements such as portfolio review report and MIS report to be reviewed by the risk head. Show less

• 

  Banque Misr

  Aug 2014 - now

  • search and marketing to increase credit portfolio • Obtains Investigation, CBE and I-Score reports for clients to ensure credibility.• prepare credit facilities memo • Ensures compliance of (CAs) to credit program policies, Target Market Risk Acceptance Criteria, and Customer Selection Criteria.• Coordinates with the Risk department in conducting the Initial evaluation of cases and proposing a deal structure .• Monitor existing credit lines • Manage a credit portfolio and manages its performance.• Re evaluate feasibility study which introduced from client to finance start up project Show less

  • Corporate Relationship Manager

    Mar 2022 - now

  • Edit headlineSenior, corporate Banking Dep Islamic Finance

    Aug 2014 - now