Summary

Accomplished Senior Credit Analyst with a robust history at Abu Dhabi Islamic Bank ADIB-Egypt, adept in financial statement analysis and risk assessment. Expert in credit risk mitigation, utilizes problem-solving and relationship management skills to enhance credit processes and mitigate risks. Proven track record in improving loan profitability and maintaining compliance with economic trends and regulatory changes.

Age

15/6/1987

Marital status

Married

Nationality

Egyptian

Work Experience

Zilla Finance

Senior - Credit Analyst

May 2022 - Now

  • Conduct a comprehensive analysis of financial statements to assess corporate client creditworthiness and risk exposure.
  • Prepare and present detailed credit reports to management, facilitating informed decision-making.
  • Monitor existing credit exposures to ensure alignment with lending policies and risk limits.
  • Develop robust financial models for forecasting performance and identifying potential risks.
  • Collaborate with cross-functional teams to enhance the accuracy of credit assessments.
  • Perform industry research to evaluate market conditions and their influence on client credit profiles.
  • Recommend strategic credit limits and terms based on thorough risk assessments.
  • Contribute to the development of credit policies to effectively mitigate risks.
  • Stay informed on economic trends and regulatory changes impacting corporate lending strategies.
  • Analyze financial indicators, including income growth and market share, to predict loan profitability.
  • Review customer files to identify delinquent accounts for strategic collection efforts.
  • Engage with credit associations and business representatives to exchange valuable credit insights.
  • Prepared and presented credit reports, influencing key management decisions.

Abu Dhabi Islamic Bank ADIB–Egypt

Corporate communication

November 2019 - April 2022

Abu Dhabi Islamic Bank ADIB–Egypt

Credit initiation

October 2017 - November 2019

· Expertise in client information gathering and financial analysis to assess creditworthiness and inform effective lending decisions.

· Proficient in risk analysis through the development of statistical models, ensuring credit exposures remain within established risk-bearing limits.

· Skilled in completing loan application forms and presenting them to committees for timely approval.

· Committed to maintaining up-to-date knowledge of legal, market risk, and compliance issues to enhance the integrity of credit applications.

· Adept at evaluating clients' credit data and financial statements to accurately determine lending risk.

· Streamlined credit application processes increasing approval rates significantly.

· Developed statistical models to assess risk and enhance lending decisions.

Abu Dhabi Islamic Bank ADIB–Egypt

Pre-screening Analyst

November 2014 - October 2017

  • Supervised and coordinated team operations across night and morning shifts, implementing effective strategies to streamline application processing.
  • Conducted comprehensive analysis of cases to ensure thorough preparation for the analyst team.
  • Managed four key retail products: car loans, cash loans, credit cards, and business banking solutions.
  • Evaluated customer profiles—including self-employed, employed, and non-income proof categories—based on attached securities and documentation.
  • Leveraged appropriate credit programs to align customer needs with policy requirements, ensuring satisfaction and compliance.
  • Oversaw and facilitated external verifications in collaboration with agencies, enhancing reliability and accuracy.
  • Managed coding company processes to ensure efficiency and compliance with industry standards.
  • Supervised team shifts to ensure optimal workflow and efficiency.
  • Analyzed cases for quick and accurate processing by the analyst team.
  • Effectively managed four key retail products to drive sales growth.

Vodafone–Egypt

Retail Agent

September 2012 - October 2013

  • Resolved customer issues related to services and billing with efficiency and professionalism.
  • Recommended optimal service bundles tailored to customer usage, maximizing satisfaction.
  • Facilitated sales of handsets and Vodafone products, driving revenue growth.
  • Managed cash drawer operations accurately, ensuring financial integrity.
  • Tailored service bundles to maximize customer value and usage.
  • Managed cash drawer operations, ensuring accuracy and accountability.

Abu Mahdi Maintenance (Bahrain)

Administrative Manager

October 2008 - August 2010

• Coordinated effectively with Bahrain labor market regulatory authority and GOSI to ensure compliance with labor regulations.

• Led all administrative functions through strategic planning, organization, and oversight, optimizing office management.

• Collaborated with management teams to strategize and plan for new projects, driving organizational growth.

• Assisted in the maintenance of work order systems and ensured adherence to purchase order procedures for streamlined operations.

• Efficiently assigned labor resources for site work, enhancing productivity and project execution.

• Managed financial transactions by preparing cash/cheque deposit slips and navigating all bank formalities seamlessly.

• Developed structured time cards and work schedules for staff, promoting efficient workforce management.

• Executed various additional administrative tasks as required by management, demonstrating flexibility and responsiveness.

• Streamlined work order systems and enhanced procurement processes for smooth operations.

Skills

  • Business Qualifications:

    • Credit Scoring & Financial Analysis: Expert in developing and utilizing financial models to assess creditworthiness and optimize loan portfolios. • Risk Management: Skilled in identifying and miti

Education

,

2008 - 2012

Languages

Language

English

Native