Ahmed Yousry Shosha
Deputy Manager - Relationship Manager
New Cairo
Summary
Seeking a challenging leadership role in corporate banking where I can leverage my expertise in credit risk, financial analysis, and client relationship management to drive business growth and risk mitigation.
Highly accomplished banking professional with over 16 years of expertise in corporate banking, SME financing, and credit risk management at the National Bank of Egypt. Demonstrated success in strategic financial structuring, portfolio management, and risk mitigation to drive sustainable growth and profitability. Committed to driving financial excellence and operational efficiency, leveraging deep industry insights and innovative banking solutions to support national economic growth and institutional success.
Overview
16
16
years of professional experience
4
4
years of post-secondary education
6
6
Certifications
1
1
Language
Work History
Deputy Manager - Relationship Manager – MID Corporate Banking Group
National Bank of Egypt
01.2018 - 01.2022
- Company Overview: Head Office
- Managed and expanded relationships with mid-corporate clients, acquiring new business opportunities and strengthening the bank’s portfolio
- Structured and negotiated credit facilities tailored to client needs while ensuring alignment with the bank’s risk appetite
- Conducted financial statement analysis, deriving key financial ratios to assess creditworthiness and mitigate risk exposure
- Developed and presented term sheets and facility packages, optimizing financial solutions to enhance bank profitability
- Led financial projections and cash flow analysis to evaluate repayment capacity for medium- and long-term exposures
- Created Information Memorandums, covering market analysis, financial performance, and industry trends
- Monitored client accounts, ensuring compliance with approved credit terms and regulatory requirements
- Provided strategic advisory support on financial structuring, investment opportunities, and risk management solutions
- Conducted in-depth market and industry research to identify potential credit risks and emerging opportunities
- Ensured adherence to CBE regulations and Basel III compliance standards, reinforcing strong credit governance
- Head Office
Relationship Manager – SMEs (Business & Programs)
National Bank of Egypt
01.2006 - 01.2011
- Company Overview: Head Office
- Developed and maintained strong relationships with SME clients to support business growth
- Assessed client needs and recommended suitable financial products and credit facilities
- Conducted credit risk analysis and financial statement evaluations to ensure sound lending decisions
- Structured and presented customized financing solutions tailored to SMEs' business models
- Managed government and private sector SME programs, ensuring compliance and proper execution
- Monitored loan performance and provided advisory services to help clients optimize financial strategies
- Coordinated with internal departments to streamline SME lending operations and improve efficiency
- Head Office
Senior Credit Risk Officer – Large Corporate & SME Credit Risk
National Bank of Egypt
01.2006 - 01.2011
- Company Overview: Head Office
- Assessed and managed credit risk exposure for large corporate and SME clients, ensuring compliance with risk policies and regulatory guidelines
- Conducted detailed financial analysis, including cash flow projections and industry benchmarking, to support lending decisions
- Reviewed and structured credit proposals, optimizing financial solutions while mitigating potential risks
- Developed and enhanced internal credit risk rating models, improving the accuracy and efficiency of risk evaluations
- Monitored portfolio performance, identifying early warning signs and implementing corrective action plans
- Ensured adherence to Basel II & III regulations and CBE risk management frameworks, reinforcing sound credit governance
- Led stress testing and scenario analysis, evaluating portfolio resilience under various economic conditions
- Managed non-performing loans (NPLs) and implemented recovery strategies to minimize financial losses
- Collaborated with internal audit and compliance teams to enhance risk oversight and regulatory alignment
- Head Office
Education
Bachelor’s Degree - Accounting Specialization
Cairo University
01.2001 - 01.2005
Skills
- Credit Risk Assessment & Mitigation
- Financial Statement Analysis & Forecasting
- Corporate & SME Lending
- Portfolio & Risk Management
- Financial Modeling & Market Analysis
- Client Relationship Management
- Regulatory Compliance & Documentation
Certification
Professional Certificate in Corporate Banking Credit – Egyptian Banking Institute
Timeline
Deputy Manager - Relationship Manager – MID Corporate Banking Group
National Bank of Egypt
01.2018 - 01.2022
Relationship Manager – SMEs (Business & Programs)
National Bank of Egypt
01.2006 - 01.2011
Senior Credit Risk Officer – Large Corporate & SME Credit Risk
National Bank of Egypt
01.2006 - 01.2011
Bachelor’s Degree - Accounting Specialization
Cairo University
01.2001 - 01.2005
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