Karim Youssef
Risk Management & Credit Risk Expert
Maadi
Summary
More than 19 years banking experience diversified between Corporate Banking Division & Corporate Risk Management Division, and seeking the challenging and rewarding position in financial field as a Credit Risk or Corporate or financial analysis and modelling with a major financial service provider.
Overview
19
19
years of professional experience
2006
2006
years of post-secondary education
Work History
Assistant General Manager - Head of Portfolio Risk Management
National Bank of Kuwait Egypt
06.2017 - Current
- Designing and implementing an overall risk management process for the organization, which includes an analysis of the financial impact on the company when risks occur
- Performing a risk assessment: Analyzing current risks and identifying potential risks that are affecting the company
- Conducting policy and compliance audits, which will include liaising with internal and external auditors
- Manage and review the implementation of IFRS 9
- Manage the development/ review/ refinement of methodologies for : Stress Testing, Provisions, Basel II Requirements, ICAAP, Recovery Plan, Risk Appetite, Obligor Thresholds for credit Approval, and Industry lending thresholds, Calibration of Probabilities of Default (PD) linked to the Bank’s rating scale, Portfolio-specific Credit Rating Models
- Handling all reports related to Basel II to present to board and regulator including the capital adequacy ratio - CAR
- Developed and implemented new operational procedures, streamlining daily tasks and improving overall efficiency.
- Managed financial aspects of the business from risk point of view.
Corporate Credit Risk Manager
Emirates NBD Bank Egypt
09.2014 - 05.2017
- Perform activities within the assigned Credit Risk Strategy that reflects the Bank’s tolerance for risk and the level of profitability the Bank expects to achieve for incurring various credit risks
- Use standardized process for evaluating credit proposals ensuring that all approved credits are within the bank policy and regulator instructions
- Assist in the assessments on credit proposals by preparing a report which analyses the various credit risk facets to measure a final credit risk rating including an assessment of the requested facility and guarantees provided, client management and background, industry analysis, country analysis, external agency credit rating (if applicable), financial and cash flow analysis and the risk rating from the credit risk rating tool
- Support the Head of Credit Review in preparing a recommendation to extend, decline, or request further structuring/ guarantees/ collaterals to the deal to minimize credit risk
- Production of quality Financial Risk Memorandum in respect of accounts assigned addressing all critical risk issues
Credit Risk Management Senior Officer
Union National Bank – Egypt
01.2014 - 09.2014
Corporate Credit Risk Section Head – Risk Management
Banque Misr
10.2010 - 12.2013
Corporate Relationship Supervisor – Corporate Banking
Barclays Bank Egypt
05.2007 - 10.2010
- To manage the development of prudently priced assets, cost effective long term liability with reputable companies and organizations in order to ensure Bank’s maximum profitability
- To identify and develop a target pipeline and aggressively market for new profitable status customers from the identified target sectors
- Manage key customer relationships through regular contacts and visits by ensuring the effective call program is maintained on all assigned and prospect customers
- Maintain high professional standards and strive to provide quality services and competitive pricing to clients
- Cultivate good rapport with corporate clients and ensure, the bank becomes the choice for their Investment and banking
- Continuously identify and exploit cross selling opportunities that embed the bank and its products with customer needs
- Establish quality profit earning customer relationship within the target market
Insurance Specialist in Bank assurance - Arab Bank
Allianze Egypt Insurance Company
08.2006 - 05.2007
Education
Bachelor degree - Commerce, accounting section
Cairo University
Skills
- Making decisions and interact effectively and positively with all levels
- Strong analytical, quantitative and problem-solving skills
- Able to exercise sound credit judgment
- Strong negotiating skills
- Strong written and oral communications skills
- Good interpersonal skills
- Good work ethic
- Extremely inspired and committed person with proven analyzing and analytical skill sets
- Well organized individual with excellent time management and presentation skill sets
- Complete attention to detail
- Always ready to work hard in order to meet tight deadlines
- Very good knowledge of the prevailing Banking Laws and Regulations
- Excellent in using Microsoft Office and its applications
- Work under pressure
- A presentation skill is very good
- Positive attitude forward change & team spirit
- Team management and Time management
- Leading Skills and Creative
Achievements Awards
- Top Performance award from Barclays Egypt – 2009.
- Assist to implement successfully the Moody’s Risk Rating system in Banque Misr.
- GEM award - Staff of the Month in Emirates NBD Egypt Aug 2015.
- Finalized the implementation of IFRS 9 in NBK Egypt to be one of the leading banks can successfully finalized the IFRS 9 implementation with a validation certificate from EY Consultant Firm.
Military Status
Exempt
Personal Information
- Date of Birth: 05/05/85
- Nationality: Egyptian
- Marital Status: Married
Education Courses Training
- Bachelor degree in Commerce, Accounting, Cairo University, 2006
- Sales skills and cross selling, Allianz Egypt
- Full Insurance Course, Allianz Egypt
- Compliance training, Barclays Bank Egypt
- KYC training, Barclays Bank Egypt
- Fraud training, Barclays Bank Egypt
- Trade finance, cash collection, check collection, corporate products, Barclays Bank Egypt
- Money Laundry Course, Egyptian Banking Institution
- Credit Course, American University in Cairo (AUC), 2009
- On the Road from Basel II to Basel III, GARP
- The New standards and the components of the Capital Adequacy, Liquidity Risk Management and Operation Risk according to Basel III, Union of Arab Banks
- Certified from Moody's Risk Analyst in Developing Internal Rating Models, Cyprus, 04/01/13
- Certified “ICAAP Stress Testing & Economic Capital Masterclass”, BIZENIUS
- IFRS 9, E&Y
- Certified “Advanced Corporate Banking Credit”, American University in Cairo – AUC
- Future Leader program, EBI the training arm of Central Bank of Egypt
- FRM, GARP, On Going
Timeline
Assistant General Manager - Head of Portfolio Risk Management
National Bank of Kuwait Egypt
06.2017 - Current
Corporate Credit Risk Manager
Emirates NBD Bank Egypt
09.2014 - 05.2017
Credit Risk Management Senior Officer
Union National Bank – Egypt
01.2014 - 09.2014
Corporate Credit Risk Section Head – Risk Management
Banque Misr
10.2010 - 12.2013
Corporate Relationship Supervisor – Corporate Banking
Barclays Bank Egypt
05.2007 - 10.2010
Insurance Specialist in Bank assurance - Arab Bank
Allianze Egypt Insurance Company
08.2006 - 05.2007
Bachelor degree - Commerce, accounting section
Cairo University
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