Amr El-Sayed
Senior Credit Analyst
Nasr City
Summary
Experienced with credit risk assessment, financial statement analysis, and risk management. Utilizes analytical skills to evaluate creditworthiness and develop risk mitigation strategies. Strong understanding of regulatory compliance and financial modeling.
Overview
10
10
years of professional experience
5
5
years of post-secondary education
2
2
Certifications
2
2
Languages
Work History
Senior Credit Analyst, Risk Management
The Central Bank of Egypt
01.2021 - Current
- Conducting sovereign risk analysis, encompassing political and macroeconomic factors, and the banking sector health to assess risk factors associated with operating environment of the Bank’s bank counterparties.
- Conducting comprehensive quantitative and qualitative analysis for the Bank’s bank and non-bank counterparties to recommend credit limits for money market placements and FX deals, managed by the Bank’s Reserve Management Unit, and trade finance transactions and Nostro accounts.
- Observing and analyzing the credit ratings reports (Moody’s, Fitch, and S&P’s) for the Bank’s counterparties, staying well-informed of any downgrades, affirmations, legal disputes, mergers or acquisition that could affect the counterpart.
- Analyzing and assessing the financial statements of the counterparties, and provide recommendations tied to analysis and assessment of credit risk.
- Computing the expected credit losses and contributing in the preparation of the credit risk disclosures in the Bank’s financial statements to ensure accuracy and compliance with the IFRS 9.
- Collaborating with cross functional teams to implement credit risk strategies and policies.
- Monitoring the CBE counterparties (bank and non-bank financial institutions), identifying potential risks, and participating in their mitigation.
- Collaborated with senior management to draft credit policy changes, leading to process improvements that optimized the risk controls.
- Maintaining up-to-date knowledge of Basel requirements and industry best practices to ensure alignment with the international standards and guidelines.
- Participating in coordinating and facilitating meetings with International Monetary Fund (IMF) team and the Accountability State Authorities of Egypt, ensuring efficient communication and collaboration.
- Facilitating European Commission Operational Assessment Mission for the Macro-financial assistance to Egypt, with all of concerned stakeholders in the CBE.
Credit Analyst, Corporate Banking Division
Egyptian Gulf Bank (EG Bank)
01.2016 - 01.2021
- Managed a portfolio of firms in the construction industry in addition to Pharmaceuticals, Steel, and Oil & Gas industries.
- Analyzed the companies’ financial statements through spreading and projections to ascertain company’s ability to refinance its debt.
- Conducted credit memorandum report including company structure, company vs. industry, sensitivity analysis, aggregate position, proposed facilities, and debt structure for the company.
- Consolidated an outstanding position to manage corporates utilization limits and documentation.
- Conducted a market analysis about the construction industry in Egypt.
- Analyzed and consulted with clients to assess their credit worthiness, investment needs and priorities and accordingly prepare the application for limit as well as assessing the lending rational.
- Participated in call reports to discuss the credit facility needed and initiated cross selling techniques.
- Executed daily foreign currencies SWIFT transactions.
Education
Candidate Level 1 -
CFA
USA 11.2025 - Current
BBA - Finance
The American University in Cairo
Cairo, Egypt 09.2010 - 06.2015
Skills
Loan structuring
Cash flow analysis
Relationship management
Financial statement analysis
Credit analysis
Credit scoring models
Data interpretation
Lending regulations
Economic forecasting
Debt restructuring
Investment analysis
Certification
Certified Credit Analyst, Euromoney Learning Solutions Institute
Professional Courses
- Regulation and supervision of non-financial risk, Bundesbank, 2022
- Credit Reasoning & Writing, Moody’s Analytics, 2022
- Corporate credit risk assessment in a central bank, Banque De France, 2022
- Analysis of Sovereign & Country Risk, Moody’s Analytics, 2022
- Management of credit risk connected with FX reserves investments, Narodawy Bank Polski, 2022
- Financial soundness indicators, AMF & CEF, 2022
- Treasury & Capital Markets Program, Advanced Bank Credit Risk, Moody’s Analytics, 2021
- Safeguards Assessments of Central Banks, IMF, 2021
Extra Curricular Activities
· AIESEC AUC: Kiev -Ukraine, Winter 2015
· Peer Leader and Coordinator (FYE), First Year Experience, AUC, Cairo, Egypt, Fall 2012
Timeline
Candidate Level 1 -
CFA
11.2025 - Current
Senior Credit Analyst, Risk Management
The Central Bank of Egypt
01.2021 - Current
Certified Credit Analyst, Euromoney Learning Solutions Institute
03-2017
Frontier Banker for Credit Analysts, Egyptian Banking Institution
11-2016
Credit Analyst, Corporate Banking Division
Egyptian Gulf Bank (EG Bank)
01.2016 - 01.2021
BBA - Finance
The American University in Cairo
09.2010 - 06.2015
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