Hi, I’m
Khaled Kassem
SME CREDIT MANAGER
Elbehira,البحيرة
Summary
Dynamic SME Credit Manager at National Bank of Egypt with a proven track record in mentoring teams and enhancing performance. Expert in financial analysis and risk management, I drive portfolio growth through strategic client relationships and innovative solutions, ensuring compliance and minimizing non-performing loans while fostering a culture of continuous improvement.
Overview
9
years of professional experience
Work History
National Bank Of Egypt
SME Credit Manager
12.2016 - Current
Job overview
- Mentored junior team members, contributing to their professional growth and development.
- Enhanced team performance by providing expert guidance on critical projects and strategic initiatives.
- Established best practices for knowledge sharing, fostering a culture of continuous learning and improvement.
- Developed effective training materials for diverse audiences, resulting in improved skillsets and increased job satisfaction.
- Manage and develop a portfolio of Small and Medium Enterprise (SME) clients in line with the bank’s credit policies and risk framework.
- Conduct credit analysis and financial assessment for SME clients, including financial statements, cash flow analysis, and repayment capacity evaluation.
- Prepare and review credit proposals, memos, and recommendations for approval by relevant credit committees.
- Lead marketing and business development activities to acquire new SME clients and expand the existing portfolio.
- Build and maintain strong relationships with clients to ensure portfolio growth, retention, and customer satisfaction.
- Monitor and follow up on portfolio quality, early warning signals, and credit risk indicators to minimize non-performing loans (NPLs).
- Ensure compliance with internal credit policies, CBE regulations, and risk management standards.
- Follow up on overdue facilities and participate in credit restructuring and recovery actions when required.
- Ensure compliance with internal credit policies, CBE regulations, and risk management standards.
- Prepare periodic portfolio performance reports and analysis for senior management.
Education
Frankfurt School of Finance & Management _ EBI
No Degree from Certified SME Professional Level 2
Frankfurt School of Finance & Management _ EBI
No Degree from Certified Expert in SME Finance Level 1
Sadat City UniversityMenofia
Bachelor of Accounting And Investment from Accounting And Finance
07.2013
Skills
Training and mentoring
Strategic thinking
Creative solutions
Strong analytical skills
Customer focus
Problem-solving abilities
Teamwork and collaboration
Adaptability and flexibility
Analytical skills
Decision-making
Multitasking Abilities
Data analysis
Team building
Self motivation
Professionalism
Goal setting
Team leadership
Performance management
Sales strategies
Financial analysis
Risk management
Key performance indicators
Forecasting
Business ethics
Timeline
SME Credit Manager
National Bank Of Egypt
12.2016 - Current
Frankfurt School of Finance & Management _ EBI
No Degree from Certified SME Professional Level 2
Frankfurt School of Finance & Management _ EBI
No Degree from Certified Expert in SME Finance Level 1
Sadat City University
Bachelor of Accounting And Investment from Accounting And Finance