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- 1. 戞 Mahmoud Tarek El Nahal (Credit Certificate) Address 1, Yusuf Othman st; El Haram, Giza, Egypt Telephone (02)35869827 Mobile 01003737734 Email mahmoud.elnahal@hotmail.com ______________________________________________________________ Profile An English speaking certified corporate credit analyst with more than 4 years' experience in corporate finance and risk managing a portfolio of diversified multinational and local corporations. Work Experience Banque Du Caire/ Head Office (July 2015 to present) - Corporate Credit analyst (Enterprises banking division Multinational Corporations & Mid Caps) Job responsibilities Manages a portfolio of corporations with limits of 240 MN EGP working in different economic sectors such IT, textile, Plastic, Whole sellers, Medicine and auto finance with medium to large scale as well as local and multinational scope. Preparing whole credit proposals to determine the degree of risk involved in extending credit with all related activities including spreads and FSA, industry analysis, SWOT analysis and recommending the facility structure to be granted to the customer based on the study Using e-spreading Moody's system to generate financial ratios used in preparing credit memo. As well as generating Obligor risk rating Negotiating and discussing with risk department and lending committees in order to obtain required approvals Managing customers daily transactions, past dues management, following up for utilization of limits and negotiation with risk department and lending committees to obtain required approvals and facilitate ongoing transactions Doing calls to potential customers to discuss their needs and negotiate the ideal facility structure Contacting clients for collection of needed documents and information Preparing response reports to both bank's inspection notification as well as the CBE's notifications regarding my portfolio. (Jun 2012-June 2015) - Corporate Credit analyst / (Enterprises banking division - Mid Caps) Job responsibilities Analyzing credit data and financial statements to determine the degree of risk involved in extending credit and customers' financial status.
- 2. 戡 Preparing credit proposals and all related activities including spreads, contacting clients for collection of documents and information. Acting as a surrogate for the RM on a constant basis including daily transactions, past dues management and general management of account Managing the portfolio by ensuring execution of documentations and follow up for utilization of limits. Using e-spreading Moody's system to generate financial ratios used in preparing credit memo. Negotiating and discussing with risk officers in order to reach to the best credit package for both the bank and the client. Preparing response reports to both bank's inspection notification as well as the CBE's notifications regarding my portfolio Managed a portfolio of about 150 M L.E. with enterprises working in different economic sectors . (Mar 2011-Jun 2012) - Retail collection and remedial officer Job responsibilities Making reminding calls for delinquent customers differing according to their buckets and products Recommending whether to reactivate credit cards or not based on the client's commitment history Linking customers' accounts with their credit cards to allow the direct debit to clear installments Has worked in Auto loans and credit card products Summer training (Jun 2006 - Jul 2006) Technical analyst /NAEEM HOLDING - Cairo Doing technical analysis for stocks in the Egyptian Stock Exchange, Using technical tools and reports to maximize profits and minimize Losses of our clients depending on market conditions and their financial positions Certificates At The Egyptian Banking Institute (EBI) Banking Credit & Credit Risk Management (credit certificate) - Accredited by ACCET USA Financing SMEs Banking courses At The Egyptian Banking Institute (EBI) Analyses of credit risk including balance sheet analyses, financial ratios and cash flow formation. Effect of accounting for financial tools on the decisions of bank's board Basel 3 course Banking compliance
- 3. 截 Counterfeiting and forgery discovery course Operational risk course Anti-money laundering course (advanced) Banking law course Customer service course Education *BSc Economics Faculty of economics and political science, Cairo University 2006 -2010 * Grade is (very good with honor) *Courses included a deep study of current national and international economic system, microeconomics, macroeconomics, finance, trade And firms' law, feasibility studies, international trade, economic development. And graduation project was "The causes of the international food crisis (2007- 2008) focusing on the cause of increased demand on Biofuel" - From primary to secondary in (Orouba language school)/Dokki - Grade of general secondary certificate is 99.1% - Rank: 32 on the state level Courses Succeeded in the first level of technical analysis program at (Trend). Rank: 17th over 700 scholars. Grade: excellent Qualified to the professional level of the Technical analysis training program at (ESTA) Attended at Beltone forum " A technical view for the Egyptian and Arab capital markets" at which Mr. Ayman Waked and Mr. Omar Shams have lectured Workshop on intercultural understanding sponsored by: The center of European studies and the Austrian cultural forum Completed Excel course at New Horizons Centre Key Skills English is fluent French is fair Excellent computing skills Excellent telephone manner and customer care skills High level of literacy and numeracy Technical Technology Last Used Experience Macro and microeconomics courses Current Feasibility studies course within the last year Firms and NGOs Management courses within the last year Banking and credit courses Less than 3 years Additional Skills Analytical skills Patience Good listener Communication skills Fast learner Having deep understanding of economics and finance Sense of leadership with clear view.
- 4. 戮 Personal info Date of Birth: 21 January 1989 Marital Status: Married Military status: exempted Dependents: one Nationality: Egyptian Driving License: Yes References Available on request