Khaled Abdel Wahab

Experience

• 

  Abu Dhabi Company

  Jun 2008 - Oct 2008

  Research & Development Intern

  - Ensured new projects meets the consumer's demands & preferences.

• 

  Arab Bank

  Aug 2009 - Sept 2009

  Credit Intern

  - Analyzed Portfolios.- Performed Case studies on existing and potential clients.

• 

  CORPLEASE

  Nov 2010 - Sept 2013

  Senior Credit Analyst

  CorpLease (Corporate Leasing Company Egypt) is a subsidiary of CIB - the largest private sector Bank in Egypt. CorpLease is a broad-based financial services company operating in Egypt and the UAE offering a full range of leasing products and services specializing in Direct Leasing, Vendor Financing, and Structured Financing.Duties & Responsibilities: Responsibility involves assessing the credit worthiness of existing and new companies, and making lending decisions. The process involves preparing credit approval memos (CAMs) assessing:• Analyzing the company’s financial statements, in addition to generating financial ratios, using excel, to evaluate customers' liquidity, asset efficiency, cash flows and profitability.• Projecting company’s future position in terms of operations and profitability, in addition to sensitivity analysis and debt capacity measures.• Determining the degree of risks involved in extending credit facility.• Identify macroeconomic factors trends such as GDP growth, FDI and employment levels to evaluate the potential opportunities for growth and investments.• Presenting the credit proposals to the Credit Committee and Managing Director.• Preparing quarterly full industry analysis reports, highlighting recent market updates. Show less

• 

  Al Ahly Leasing Company

  Sept 2013 - Mar 2015

  Start up Company. A subsidiary of the National Bank of Egypt, Al Ahly Leasing Company has infinite funds that would allow it to penetrate the market and become a market leader in the Leasing industry in Egypt in the next few years. Duties & Responsibilities: Being part of a team for the purpose of an accelerated development of the Company.Responsibility involves introducing new mechanisms in assessing the credit worthiness of existing and potential new clients, and making lending decisions. The process involves preparing credit approval memos (CAMs) assessing: • Prepare large ticket transactions covering full analysis of the clients’ including company background, asset conversion cycle, industry and company risk analysis, financial statement analysis, projection and sensitivity analysis. • Evaluating the company’s operations, quality of management, and market position. •Analyzing the company’s financial statements, in addition to generating financial ratios, using excel, to evaluate customers' liquidity, asset efficiency, cash flows and profitability. • Projecting the client’s future position in terms of operations and profitability, in addition to sensitivity analysis and debt capacity measures. • Determining the degree of risks involved in extending credit facility. • Identify macroeconomic factors trends such as GDP growth, FDI and employment levels to evaluate the potential opportunities for growth and investments (Industry Analysis). • Targeting potential clients and maintaining relationship with existing ones. • Reviewing credit packages prepared by subordinates. • Presenting the credit proposals to the Management Committee and Board of Directors. Show less

  • Deputy Business Development Manager

    Sept 2013 - Mar 2015

  • Senior Business Development Analyst

    Sept 2013 - Dec 2014
• 

  EFG Holding

  Apr 2015 - now

  - Senior Head of Credit & Risk at EFG Corp Solutions, responsible of Leasing and Factoring business lines. - Executive Committee Member. - Responsible of Asset Quality/ Management Unit. - Manages a team of 12 Members. Development and building of the team; people management within annual performance cycle.- Responsible for presenting monthly risk reports to the BOD.- Setting the company’s yearly strategies with management. - Responsible for the securitization of the portfolio in collaboration with MERIS- Responsible for calculating and reporting provisions on monthly basis.- Setting risk ratings for clients and developing the risk rating matrix. - Analyzing the client’s financial statements, generating financial ratios to evaluate profitability, liquidity, asset efficiency, cash flows. Evaluating operations, quality of management, and market position.- Projecting the client’s future position in terms of operations and profitability, in addition to sensitivity analysis and debt capacity measures.- Managing Non performing Clients (NPL) and setting strategy. - In compliance to ESG lending policies. Show less - Head of Credit & Risk at EFG Corp Solutions. - Executive Committee Member having approval authorities of up to EGP 50 million per transaction- Responsible for a portfolio exceeding EGP 8Bn. - Managing a team of 9 Members.- Leasing and Factoring certificates. - In compliance to ESG lending policies.- Responsible for the securitization of the portfolio in collaboration with MERIS.- Presenting the credit proposals to the Board of Directors & conducting monthly reports to top management.- Reporting provisions. Show less Credit & Risk Department Duties & Responsibilities: Responsibility involves introducing new mechanisms in assessing the credit worthiness of potential client and making lending decisions. The process involves preparing credit approval studies assessing:• Development and building of the team; people management within annual performance cycle, team leader for the SME and Vendor program.• Being part of vendor cooperation programs across all sectors, i.e. Healthcare ‘Philips’, Automotive ‘MCV’, and Energy ‘Karm Solar’, etc. • Preparing large corporate credit studies, handling a portfolio exceeding EGP 900MM in less than 2 years.• Analyzing the company’s financial statements, generating financial ratios, to evaluate profitability, liquidity, asset efficiency, cash flows. Evaluating operations, quality of management, and market position. • Projecting the client’s future position in terms of operations and profitability, in addition to sensitivity analysis and debt capacity measures. • Determining the degree of risks involved in extending credit facility.• Identify macroeconomic factors trends such as GDP growth, FDI and employment levels to evaluate the potential opportunities for growth and investments.• Presenting the credit proposals to the Board of Directors & conducting monthly reports to top management. Show less

  • Director, Senior Head of Credit & Risk Department, Executive Committee Member

    Mar 2024 - now

  • Senior Head of Credit & Risk, Executive Committee Member

    Jul 2023 - Mar 2024

  • Head of Credit & Risk, Associate Director & Executive Committee Member

    Jan 2021 - Jul 2023

  • Senior Manager, Vice President

    May 2019 - Jan 2021

  • Vice President - Credit & Risk

    Apr 2018 - May 2019

  • Associated Vice President

    Apr 2015 - Apr 2018