Ahmed Heiba

• Responsible for formulation and execution of business strategies and driving performance towards maximizing required sustainable growth of company's profitability and values by delivering innovative and sustainable solutions that meet clients and stakeholders needs and expectations.
• Exercised leadership capabilities by successfully motivating and inspiring business teams, through continuous development, coaching and transformation to achieve strong results in challenging environments.
• Direct and follow up all teams to achieve annual budget through selected and potential creditworthy clients after discussing their line of business, position in market, opportunities for growth and financial position to create healthy solid portfolio.
• Monitoring overall business performance through regular weekly meetings with all teams to ensure that we are on designed road map to be aligned with stakeholders strategic direction.

• Leading, originating and executing teams across a wide spectrum of transactions including Risk Free, Risk Sharing, Factoring, Structured Lease including (Project Finance, Start-Ups) and Valuation Advisory.
• Tailoring and structuring Financial Solutions for new transactions to attain required sustainable growth of the company's business volumes and values, bottom-line profit and targeted market share.
• Put up and review all team transaction proposals including all relevant technical and financial information, analysis and assessments.
• Oversee and monitor the enterprise-wide risks (strategic, market, credit, liquidity and operational risks) and contributing ideas to the company's investment strategy.
• Identify opportunities both locally and regionally to initiate and develop products/services with the aim to develop new business relations, improve profitability and handle all disciplinary measures ensuring they are compliant with the company's policies, procedures and requirements.
• Present submitted cases to Credit Committee and Coordinate with the Credit Committee to cover the raised concerns.
• Recommend, implement and follow up action plans for existing customers after obtaining the required approvals
• Maintain close contact with customers to ensure full utilization of credit facilities and to provide responses to their queries and problems.
• Ensure the continuing sufficiency of collateral cover in coordination with the designated divisions, through periodic examinations and evaluations.
• Coach the designated Corporate Team to achieve annual budget through enlarging customer base and by conducting research to identify new customers and maintain a database of potential customers.
• Monitoring the team performance through regular meetings to ensure that the team is fully aware of relevant policies, procedures and regulations in addition to executing weekly business review meetings with the CBO and all stakeholders.

• Heading specific industry sectors & leading team(s) in managing customer relationships for profitability and growth and assist the Head of Large Corporate Banking in building and implementing business strategies for industries under his jurisdiction that fit into the overall bank's strategy.
• Review & provide recommendations on structuring of facility, support package, conditions precedent to financial close and first draw-down, covenants, representations and warranties, shareholder recourse amounts and nature of recourse to protect EGBankʼs asset base and ensure salability to bank.
• Prepare budgets & marketing plans covering credit facilities, follow-up on the performance of the team and compare it to the approved budget and recommend appropriate action to meet targets.
• Set relationship strategies and implementing action plans for existing customers, and marketing plans for the development of prospective customers in the pertinent industry(s).
• Manage a team(s) SRMs, RMs, ARM, Credit Analysts and Corporate Service Analyst and act as a Deputy to the head of Large corporate Banking.
• Authority to approve credit facilities within prescribed limitations, as assigned.
• Ensure that in-depth understanding for the pertinent industry (ies) is well developed and demonstrated among all staff levels.
• Coach, direct and develop team(s) to ensure proper management and service of the portfolio allocated to the team(s) members.
• Conduct constant & periodic business calls to ensure being on the top of the relationship, review clients' financial needs & opportunities for marketing bank services.
• Establish credit limits of the customer & authorize granting facility.
• Recommend staff training in accordance to the needed industry expertise to perform effectively on the job.
• Create and implement strategies that lead to the creation of capable second line of management.

• Assessed the financial viability for both short & Medium/Long Term corporate Lending Purposes, Structuring the facilities & king appropriate recommendations for granting the proposed Credit team.
• Revised budget assumptions & close Follow-up/monitoring for revenue, deal size & profitability achieved with corporate group head.
• Managed a team of two relationship Managers, three officers & two associates.
• Handled the marketing activities involving; Market Studies, Analyzing the Different Market Segments, selecting the appropriate Clients & approaching the potential ones to establish borrowing relationships.
• Ensured the marketability of all products including Loans/Contingent Business as well as retail products
• Identified financial risks through analysis of cash flows, financial ratios in addition to the assessment of performance in relation to peers.
• Coordinated with the Credit Committee and other concerned Divisions to inform them about adverse developments that occur on a regular basis in corporate accounts.
• Conducted regular interdepartmental meetings with other business lines, including trade finance and cash management to liaise and update each other on recent development, introduction of new products, services and/or solutions and the potentiality and viability of extending multiple products to existing and potential clients.
• Acted as a resource for junior staff members, preparing them for leadership roles in the future.
• Ensured that the Bank is well positioned with each client in terms of competitive facility structure and offering all range of services.
• Provided Feedback on projects and activities, which would be of interest to multinational clients of the other ABC Office.
• Ability to identify problems before it becomes major and to face problems that do exist.
• Tackled complex business problems independently and structure effective financial packages.

Acted as Head of Coverage SME's Department (01-2019 till 03-2020)

• Heading all SME's coverage team across Egypt (five teams, each team consists of four officers).
• Responsible for all budget (exceeded actual budget by 30%).

• Handled, evaluated and monitored a portfolio of middle and large corporate clients.
• Maintained a well-balanced portfolio by defining associate corporate risks, obtaining different collaterals and setting covenants mitigating all relevant risks, in-line with bank policies and procedures.
• Prepared credit proposals for customers & prospects in a proactive way to achieve maximum customer satisfaction in terms of speed accommodation of their financial needs within appropriate risk level.
• Kept abreast of developments in the local business environment to spot business opportunities to identify target customers.
• Contributed to several tasks necessary to implement global policy towards corporate clients.
• Assessed Accounts Officers requests & relationship strategy toward clients in line with the bank development strategy & compliance rules to ensure smooth flow of circuits & time saving.
• Cross-sold of Treasury, Cash Management and Capital Market.

• Built up an ongoing relationship with various size enterprises.
• Worked on meeting financial targets through acquiring new customers as well as increasing profit from existing ones.
• Ensured receipt of up to date client financial statements and carried out comprehensive financial and non-financial analysis for both new and existing credit requests and facilities.
• Presentation of new credit memos for prospects in a proactive way to ensure smooth flow of circuits and meeting clients needs in a proper timely manner.
• Monitored the utilization of granted credit facilities through direct contact with the clientsʼ daily operations.
• Cross-selling of other products and services to maximize bankʼs profitability.

• Managed portfolio of large corporate clients totaling EGP 2.3Mn top tier clients and maintaining a long‑term relationship and maximizing the business performance of the portfolio.
• Prepared accurate (both in terms of information presented and facilities requested), comprehensive and clearly structured credit applications for submission to relevant internal committees.
• Structured and executed an on‑going business plan for all clients in my portfolio and execute a comprehensive and on‑going marketing program for my client base, including the introduction of senior staff of the bank and product experts.
• Responsible for the maximization of revenue across portfolio with a primary focus on the appropriate selling of all products through a needs‑based assessment of client requirements.
• Structured project finance deals in line with bank credit policy and risk assessment to ensure the satisfactory settlement of the exposure with the conclusion of the project.
• Planned to achieve set budgetary targets for revenue generation and product sales.

• Identified, recommend and marketed well-reputed new corporate clients in line with the bankʼs developing strategy
• Prepared Credit Proposals.
• Assessed the credit worthiness of client and prepared spreadsheets and peer analysis.
• Prepared Financial Projections in order to assess the longer-term validity of customers cash flow.
• Provided Quality Service to Internal Customers through undertaking risk assessment analysis of various types of lending proposals, from the straightforward to the very complex.
• Provided consultancy services on credit issues and quality to other internal functions, or perhaps to clients.
• Liaised with other staff within the Bank.
• Identified opportunities for cross-selling a range of products, in order to maximize return from portfolio.

• Prepared Credit Facility Reports.
• Managed the Bank's Fully Secured Portfolio.
• Cross-sold and delivered of trade finance, import and export products and cash management solutions.
• Gathered & Analyzed Financial Information.
• Managed & Analyzed clients' Accounts.

• Delivered superior customer service to strengthen relationships and drive future business revenue.
• Managed customer relations on ongoing basis.
• Conduct calls and visits to achieve assigned budget and cross sell other Bank products.
• Served customers with knowledgeable, friendly support to maximize customer satisfaction.
• Increased sales with execution of full sales cycle processing from initial lead processing through conversion and closing.