Karim Ashraf Karam Abdel Hameed
Cairo,Egypt
Summary
Dynamic Relationship Manager with extensive experience for more than 9 years in the banking sector, adept at analyzing credit data and fostering client relationships. Proven ability to manage diverse corporate portfolios while ensuring compliance with legal requirements. Skilled in MS Office and T24, with a strong commitment to client satisfaction and operational excellence.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Relationship Manager
Export Development Bank of Egypt
Cairo, Egypt
10.2024 - Current
- Analyzing credit data and financial statements on periodical basis to determine the degree of risk involved.
- Maintain and develop the relationships with new clients.
- Follow up on obtaining and updating all legal documentations and obtaining required legal approvals.
- Monitoring of accounts and disbursement pattern, along with reviewing covenants to ensure fulfilment and keeping credit files including all related company's documentation.
- Daily operational account developments follow up and monitoring to ensure smooth implementation of client requests.
- Managing a portfolio for a large corporate clients in diversified sectors.
Medium Enterprise Relationship Manager
Arab African International Bank
Cairo, Egypt
01.2022 - 10.2024
- Analyzing credit data and financial statements on periodical basis to determine the degree of risk involved.
- Maintain and develop the relationships with new clients.
- Follow up on obtaining and updating all legal documentations and obtaining required legal approvals.
- Monitoring of accounts and disbursement pattern, along with reviewing covenants to ensure fulfilment and keeping credit files including all related company's documentation.
Corporate Banking Assistant Credit Analyst
Arab African International Bank
Cairo, Egypt
03.2019 - 12.2021
- Analyzing credit data and financial statements on periodical basis to determine the degree of risk involved.
- Maintain and develop the relationships with our existing corporate clients.
- Managing a portfolio of 15 large corporate clients in diversified sectors.
- Monitoring of accounts and disbursement pattern, along with reviewing covenants to ensure fulfilment and keeping credit files including all related company's documentation.
- Daily operational account developments follow up and monitoring to ensure smooth implementation of client requests.
- Carry out required reports and statistics related the group work.
Mortgage CAD Officer
Arab African International Bank
Cairo, Egypt
01.2018 - 02.2019
- Reviewing mortgage loan files under mortgage finance policy that meeting mortgage initiatives.
- Preparing I-score, Negative list and CBE.
- Calculating the DBR for the customers taking into considerations all his facilities.
- Preparing received files.
- Checking the data that is provided in the applications of the customers are matching with the investigations and policy.
Retail Risk Assessment Analyst
Emirates NBD
Cairo, Egypt
08.2017 - 12.2017
- Maintain files and documents in an efficient and timely manner.
- Understand to all credit policy and CBE regulations.
- Preparing the legal action, I-score and negative list.
- Preparing a daily report for the department.
- Checking the data that is provided in the applications of the customers are matching with the investigations and policy.
Front Office Agent
Fairmont Heliopolis and Towers Hotels
Cairo, Egypt
04.2017 - 08.2017
- Greeting and welcoming guests.
- Answering questions and handling complaints.
- Registering guests, assigns rooms and handle the special requests whenever possible.
- Reserving rooms for the walk-in guests.
Education
Bachelor's Degree - accounting
Helwan university
Cairo, EgyptSkills
- MS Office
- Internet skills
- T24 program
- Finacle
Certification
- Credit Course, Egyptian Banking Institute (EBI)
- Frankfurt School Of Finance and Management, Egyptian Banking Institute (EBI)
Extracurricular Activities
Project Committee Member, ENACTUS Helwan University, Participated in all sessions that helped me to develop the kind of talent and perspective that are essential to leadership. Youth Team Member, Nassya Social Organization, Heliopolis Committee, It's a unique experience that brings real neighborhoods to life in the online world. Explored new things in the neighborhood. Water Polo Team Member, El Shams Club, Participated for 6 months with the youth team. Football Player Member, El Shams Club U14, Played for 2 years with the team.
Personal Information
- Date of Birth: 11/11/92
- Nationality: Egyptian
- Marital Status: Married
Languages
- English
- French
- Arabic
Languages
English
Advanced
C1
Timeline
Relationship Manager
Export Development Bank of Egypt
10.2024 - Current
Medium Enterprise Relationship Manager
Arab African International Bank
01.2022 - 10.2024
Corporate Banking Assistant Credit Analyst
Arab African International Bank
03.2019 - 12.2021
Mortgage CAD Officer
Arab African International Bank
01.2018 - 02.2019
Retail Risk Assessment Analyst
Emirates NBD
08.2017 - 12.2017
Front Office Agent
Fairmont Heliopolis and Towers Hotels
04.2017 - 08.2017
Bachelor's Degree - accounting
Helwan university