Ahmed Mohamed Abdelsalam

Manage Credit Risk Analyst / Senior Analyst on all job duties
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Receive and review high risk Credit Proposal Memos (CAs) from different Business Lines either for new credit relationship, renewal, overrun, or special transactions.
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Ensure the availability of the essential elements in the Credit Applications, such as: Clear Customer’s Request, Status of supports & collaterals, Business profile with selling and purchasing policies… and mark the relevant checklist accordingly.
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Perform a thorough and complete analysis of risks related to the counterparty, transaction/facilities and recommend corrective actions.
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Ensure that the proposed CPM adheres to the risk assessment approval terms & conditions is in compliance with the bank’s credit authorities and CBE regulations
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Review Credit Risk Ratings for clients & suggest amendments in the proposed limits, support and security package, ratings regarding clients’ financial stand as well as their position in the market & stability of the industry.
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Ensure the correct functioning and implementation of the Permanent Supervision, Compliance and Money Laundering, Operational Risk, and Workplace Success Guidelines whenever and wherever possible.
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Ensure the correct adoption of policies and procedures in order to guarantee that the bank business is conducted in compliance with Local Laws, Internal Rules and Regulations, as well as, International Standards.

Evaluating clients’ credit data and financial statements in order to determine the degree of risk involved in lending money to them.
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Analyzing client records and using the data to recommend payment plans
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Conferring with credit associations and references to exchange credit information on clients
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Evaluating the financial status of clients by producing financial ratios
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Filling out loan applications and including the credit analysis and loan request summaries, then submitting these loan applications to loan committees for their approval.
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assessing creditworthiness of existing or prospective clients
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Examining financial transactions and credit history case by case
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Completing ratio, trend and cash flows analyses and creating projections.
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Approving the supplier list of borrowers companies
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Understanding of business, economic, and industry risk.

assessing creditworthiness of existing or prospective clients
•
Examining financial transactions and credit history case by case
•
Completing ratio, trend and cash flows analyses and creating projections.
•
Approving the supplier list of borrowers companies
•
Understanding of business, economic, and industry risk.
•
Evaluating clients’ credit data and financial statements in order to determine the degree of risk involved in lending money to them.
•
Analyzing client records and using the data to recommend payment plans
•
Conferring with credit associations and references to exchange credit information on clients
•
Evaluating the financial status of clients by producing financial ratios
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Filling out loan applications and including the credit analysis and loan request summaries, then submitting these loan applications to loan committees for their approval.
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Reporting with forborne borrowers by taking the collected approvals of postposed or rescheduling clients and send the updated payment terms to the considered party.
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Coordinating with Audit team for CBE requirements of bank`s performing borrowers

Analyze the company financial statements and purpose the suitable credit product to be matching with its profile and cash flow
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Manage and grow a client portfolio that focuses mainly on Loans, FX, Derivatives, Cash Management, Trade
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Approve lending within assigned limits, manages facilities and portfolio credit quality, sources prospects and develops new customer relationships.
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Help the client to solve their operation issues in order to facilitate use their credit facility with highest utilization
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Guide the clients how to prepare the credit facility documents to be matched with CBE requirements & Bank policy.
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Trying to attract fully secured companies to get credit facility with collateral of their Assets.