Karim Desouky
Senior Credit Analyst
Muharram Bak,
Summary
Senior Banking Professional | 11+ Years of Experience in Credit, Financial Analysis & Risk Assessment | Certified Internal Trainer
Highly experienced banking professional with over 11 years at the National Bank of Egypt, working across diverse sectors and economic conditions. Specialized in credit assessment and financial analysis, with a proven ability to make sound credit decisions and manage risk effectively. Certified internal trainer with a passion for knowledge sharing and team development. Known for strong accountability, adaptability, and a continuous drive for professional growth within high-performance environments.
Overview
13
13
years of professional experience
2
2
Languages
Work History
Senior Credit Analyst
National Bank Of Egypt
10.2014 - Current
- Selected among the Top 300 Employees across the National Bank of Egypt nationwide in recognition of outstanding performance and contribution.
- Successfully strive to achieve annual credit and portfolio growth targets in alignment with the bank's strategic objectives.
- Identify, attract, and onboard new creditworthy clients to expand the bank's corporate and SME client base.
- Ensure the continued validity and compliance of all granted credit facilities through regular reviews and updates.
- Manage the full credit cycle, including credit file preparation, analysis, structuring, and presentation to the credit committee.
- Oversee disbursement processes and closely monitor facility utilization, cash flow performance, and client repayment capacity.
- Maintain the quality of the credit portfolio by proactively identifying early warning signs and mitigating risks.
Certified Internal Trainer
National Bank Of Egypt
06.2023 - Current
- Streamlined onboarding process for new hires with the creation of a detailed orientation program mostly credit related programs.
- Enhanced employee skills by developing and implementing comprehensive training programs.
- Improved team performance by identifying skill gaps and providing targeted coaching sessions.
Head of Accounting Department
Dawac Co.
07.2013 - 09.2014
- Oversaw annual budgeting process, collaborating with department heads to develop accurate forecasts.
- Led cross-functional teams in developing strategies for revenue growth, operational efficiency improvements, or cost reduction initiatives.
Financial Accountant
Cairo Timber Co.
06.2012 - 07.2013
- Improved cash flow management with timely invoicing and efficient collections practices.
- Managed relationships with external auditors effectively ensuring positive outcomes during annual audits.
- Tracked business revenue and expenditures and reconciled accounts to maintain high accuracy.
Education
Top 300 Supervisory Track - Finance
National Bank of Egypt
Alexandria 04.2024
Credit Course - Finance
Central Bank of Egypt
Alexandria 11.2019
SME's Top Performers - Finance
National Bank of Egypt
Alexandria 05.2019
Numerous Courses in Financial Analysis
National Bank of Egypt
04.2001 -
Qualified Accountant Diploma - Accounting
EAAC
Alexandria 12.2012
Integrated Banker Certificate - Finance
Central Bank of Egypt
Alexandria 12.2010
Skills
- Using MS Excel Efficiently
- Teamwork
- Time management
- Adaptability
- Communication skills
- Accountability
Timeline
Certified Internal Trainer
National Bank Of Egypt
06.2023 - Current
Senior Credit Analyst
National Bank Of Egypt
10.2014 - Current
Head of Accounting Department
Dawac Co.
07.2013 - 09.2014
Financial Accountant
Cairo Timber Co.
06.2012 - 07.2013
Numerous Courses in Financial Analysis
National Bank of Egypt
04.2001 -
Top 300 Supervisory Track - Finance
National Bank of Egypt
Credit Course - Finance
Central Bank of Egypt
SME's Top Performers - Finance
National Bank of Egypt
Qualified Accountant Diploma - Accounting
EAAC
Integrated Banker Certificate - Finance
Central Bank of Egypt
Similar Profiles
Mohamed EldesoukyMohamed Eldesouky
Banker A at National Bank of EgyptBanker A at National Bank of Egypt
Nourhan Samy AbdelbaryNourhan Samy Abdelbary
Financial Operations Specialist at National Bank of EgyptFinancial Operations Specialist at National Bank of Egypt
Alhussien ElsherifAlhussien Elsherif
Trade Finance Officer at National Bank of EgyptTrade Finance Officer at National Bank of Egypt
Andrew MarkhamAndrew Markham
Senior Credit Analyst at First Westroads BankSenior Credit Analyst at First Westroads Bank
KEVIN JOSEPH JKEVIN JOSEPH J
Senior Credit Analyst at Natwest GroupSenior Credit Analyst at Natwest Group