Rehab Kamal

Experience

• 

  Credit Agricole Egypt

  Jul 2008 - Jun 2009

  Retail Sales Specialist
• 

  The United Bank of Egypt

  Jul 2009 - Jun 2021

  - Manage existing clients accounts with a total portfolio around LE 1,200MM Mid- Cap corporate short/medium term loans (22 Clients).- Achieve the assigned annual Budget.- Conduct marketing calls for new and/or existing Clients to establish new and enhance existing relationship with the client. - Assist in managing a credit portfolio (Risk and Revenue responsibility), solicit & close opportunities so as to meet budgeted revenue within acceptable risk parameters.- Assisting to prepare relationship strategy for each relationship and involve cross functional / line management as and when required to ensure that risk / reward target is met.- Back up other Relationship Manager(s) during absence- Review spread sheets and analysis of financial statements, cash flows and projections as required.- Review and update on issues related - Review and finalize: Credit Reports (Specific task of formalizing business Strategy), Internal memos and external correspondence, Current bank reports, RB reports, Documentation (Source and Security as per bank’s policy)- Follow up to ensure ongoing compliance as per approved terms and conditions- Review and reroute pending transactions with required information.- Review credit maturity profiles so as to ensure due date settlement.- Review client files and ensure they are constantly updated in line with the bank’s internal audit standards.- Preparing reports that include the degree of risk involved in extending credit.- Preparing utilization reports , Pipeline Reports & CBE reports . - Provide assistance to new employees (Credit Analyst(s)/Relationship Officer(s) as required Show less - Lead and manage the Documentation Team, providing credit documentation support to corporate clients.- Provide guidance to the team members to prepare, negotiate, review, approve and supervise the execution of credit facility and security documentation in relation to corporate customers.- Work closely with relationship managers, internal and external legal counsel to draft facility letters/agreements and security documents.- Ensure documentation is executed in compliance with local regulatory requirement and internal policies.- Manage resources to ensure timely and effective processing of credit documentation to meet customer’s requirements without compromising controls.- Ensure day-to-day processing is achieved within Service Level Agreement and KPIs.- Participate in projects to automate system processes and procedures while ensuring accuracy and improve the turnaround time.- Other ad-hoc duties as assigned. Show less 1. Timely vetting of executed documents received from Business Units including security / source documents, relating to approved credit facilities to ensure the following:1. All required documents as per the terms and conditions stipulated in the approval have been obtained.2. Accuracy and completeness of all required legal documents.3. Existing security, charge and source documents are valid.2. Examine all constitutive source documents and mandates in depth relating to Corporate Borrower in order to ensure the following:4. Proper borrowing powers are available and supporting documents are in place.5. To ensure that no change in the Legal status / constitution of the Borrowers / Guarantors has taken place without Bank's prior approval and that in the event of such change appropriate documents are obtained / prepared in order to protect Bank's rights / assets.3. Review the validity and status of documentation/time bound documents relating to term loans approved under existing terms & conditions.4. Ensure that no clearance is issued to CAD in case of discrepant documents, unless there is specific approval for waiver / deferral from the approving authority.5. Ensure that complete sets of documents against respective facilities are delivered to the 'Safe Custody Officer' for lodgment in the Electronic Document Lodgment Register (EDLR), for scanning in the Electronic Document Management System (EDMS) and then for proper filing/safe keeping.6. Advise documentation deficiencies to Business Units and assist them to rectify the same. 7. Provide clearance to CAD, for limit input or disbursement of facility into the system, after completion of documentation requirement or on deferral basis wherever situation warranted.8. Provide inputs necessary for generating different reports to be sent to various stakeholders in the bank9. Liaise with Legal & Remedial Risk Departments for solutions and legal advice/opinion on documentation perfection. Show less Prepare loan documents for all different types of loans, ensuring that all the procedures are carried out effectively and within the given deadline.- To work in coordination with various officers, attorneys and other third-party personnel and ensure that the loan transactions are carried out within the assigned parameters of the organization- To obtain, order, and analyze all the pertinent documentation and to carry out the verification of moderate to complex loan transactions- To provide valuable assistance in reviewing, preparing, and maintaining various credit files and to follow up immediately on some exceptional cases- To process advances and disbursements as well as to be involved in preparation of the payoff letters- Reviewing the closing documentation to ensure that the term and structure of the loans are in conformance with the policies of the bank.- involved in transmitting the loan documentation to the loan officers for further functioning and provides the much-needed back-end support as well.- Handle a multitude of responsibilities.- involved in periodic audits and works with external as well as internal parties to ensure the receipt of the vital loan documents and its final disposition. Show less - Responsible for Product Development, understanding business Objectives and Design Surveys and looking for Prospective Customers Preference.- Provide Competitive Analysis on various Companies, Market Offerings, Identify Market Trends, Pricing / Business Models, sales and methods of operation.- Responsible for analysis of any new project processing in the bank.- Responsible for analysis of branches profitability, overdrafts, credit feasibility and any other problem.- Also responsible for analysis of call center reports (inbound calls & outbound calls) . Show less

  • Relationship Manager, SME’s- Corporate Banking

    Dec 2016 - Jun 2021

  • Team Leader - Credit Documentation

    Jan 2012 - Nov 2016

  • Credit Control Officer - Credit Administration

    Jan 2012 - Dec 2013

  • Senior Credit Officer - Credit Documentation

    Jan 2012 - Dec 2013

  • MIS – Retail Department

    Jul 2009 - Dec 2011
• 

  Credit Agricole Egypt

  Aug 2021 - now

  Relationship Manager, SMEs

  - Achieve the assigned annual Budget.- Conduct marketing calls for new and/or existing Clients to establish new and enhance existing relationship with the client. - Assist in managing a credit portfolio (Risk and Revenue responsibility), solicit & close opportunities so as to meet budgeted revenue within acceptable risk parameters.- Assisting to prepare relationship strategy for each relationship and involve cross functional / line management as and when required to ensure that risk / reward target is met.- Back up other Relationship Manager(s) during absence- Review spread sheets and analysis of financial statements, cash flows and projections as required.- Review and update on issues related - Review and finalize: Credit Reports (Specific task of formalizing business Strategy), Internal memos and external correspondence, Current bank reports, RB reports, Documentation (Source and Security as per bank’s policy)- Follow up to ensure ongoing compliance as per approved terms and conditions- Review and reroute pending transactions with required information.- Review credit maturity profiles so as to ensure due date settlement.- Review client files and ensure they are constantly updated in line with the bank’s internal audit standards.- Preparing reports that include the degree of risk involved in extending credit.- Preparing utilization reports , Pipeline Reports & CBE reports . - Provide assistance to new employees (Credit Analyst(s)/Relationship Officer(s) as required Show less