Ibrahim Ismail Salah
Hadayk Al Ahram
Summary
Highly motivated and goal-driven Credit risk officer with demonstrated experience in reviewing financial documents, preparing loan packages , maintaining credit lines and credit requirements. Detail oriented with excellent judgment, good verbal and written communication skills and the Ability to handle multiple projects and tasks simultaneously.
Overview
5
5
years of professional experience
Work History
Credit Risk Analyst Officer
A.T.Lease (Dallah Al-Baraka Group "DBG")
2023.06 - Current
- Obtained and reviewed credit reports, credit references, insurances and financial statements to establish credit limits for new accounts.
- Adhered to banking standards and government lending guidelines for loan services.
- Conducted ongoing reviews to monitor portfolio performance and identify strong and weak areas.
- Identified proper exception codes, regulatory leverage designations and risk ratings to manage portfolio risk.
- Optimized disbursement files reviews, client activations and daily tasks, improving operational efficiencies by over 30%.
- Executed risk assessment programs to identify and quantify risks and associated controls.
- Reviewed contracts and agreements to identify potential risks and ideal mitigation strategies.
Credit Control Officer
A.T.Lease (Dallah Al-Baraka Group "DBG")
2020.09 - 2023.06
- Maintained friendly but firm attitude with full knowledge of contractual requirements and legal remedies.
- Accessed credit records to evaluate customer credit histories.
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Checked appraisals, title information and insurance documents for each property.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
Credit Portfolio Risk
Banque du Caire
2019.09 - 2020.09
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Responded to disputes calmly and applied logical, knowledgeable approaches to devise solutions.
- Established and maintained customer and staff policies.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Performed checks of customer creditworthiness and current situations.
Education
Credit Professional Certificate - Credit Analysis , Accounting And Valuation
Egyptian Banking Institute
Egypt03.2022
Passed Level 1 CFA Exam - Investment Tools, Valuing Assets, Portfolio Manage
CFA Institute
CFA Institute12.2019
Bachelor of Finance And Investment - 3.5 GPA , Finance And Investments
Georgia State University
Egypt09.2019
Skills
- Due diligence
- Financial statement review
- Collateral Risk Analysis and Mitigation
- Financial modeling
- Solid Problem Solving and Team Building
- Analytical and Critical Thinking
- Stress testing
- Risk Reporting
Languages
Arabic
Native language
English
Proficient
C2
German
Elementary
A2
Timeline
Credit Risk Analyst Officer
A.T.Lease (Dallah Al-Baraka Group "DBG")
2023.06 - Current
Credit Control Officer
A.T.Lease (Dallah Al-Baraka Group "DBG")
2020.09 - 2023.06
Credit Portfolio Risk
Banque du Caire
2019.09 - 2020.09
Credit Professional Certificate - Credit Analysis , Accounting And Valuation
Egyptian Banking Institute
Passed Level 1 CFA Exam - Investment Tools, Valuing Assets, Portfolio Manage
CFA Institute
Bachelor of Finance And Investment - 3.5 GPA , Finance And Investments
Georgia State University
Similar Profiles
Afaf SalehAfaf Saleh
Education and Training at Dallah Al-Baraka CompanyEducation and Training at Dallah Al-Baraka Company
Javed JonesJaved Jones
Package Handler at DBGPackage Handler at DBG
Vishal AnandVishal Anand
Senior Engineer at DBGSenior Engineer at DBG