Michael Samy Sobhy Mikhael

- Ensure that all documents covering approved facilities are in place & validate date of activation of facilities to safeguard bank's rights & documents.

- Review & authorize the activation of unsecured facilities after ensuring validity of all documents.

- Review customer position & collaterals to ensure that any potential risks are effectively communicated for relevant stakeholders in order to protect bank's interests.

- Review & authorize the activation of unsecured facilities after ensuring validity of all documents.

- Review & authorize the update of documentation report with all approved Business Banking packages & memorandums within agreed turnaround time.

- Review the process of recording and releasing of security & support documentation.

- Highlight & define any type of risks or fraud to the concerned parties are involved in operation functions leading to service quality & efficiencies.

- Highlight to the concerned parties any deficiency in the collaterals, security & support packages to safeguard the CIB Position.

- Monitor the follow-up process on the validity of collaterals, while generating warning alerts reports to be concerned Accountable Officer, Committee Members & Senior Management.

- Support the development and maintenance of effective techniques and BRD's to facilitate activation and follow up process.

- Contribute in the process of developing the Bank's Credit Policy Guide & procedures SOP, Approval Authorities.

- Follow up the day-to-day operations related to own job continuity of works.

- Follow up the day-to-day with team members related to own job continuity of works.

- Ensure that all Approved Credit Memos are matching with CBE regulations & guidelines.

- Ensure reporting all Approved Facilities and related documents (Related parties, Personal &/or Corporate guarantee, etc..) to CBE.

- Reporting all Approved limits Vs Utilized amounts along with reporting all approved facilities under CBE &/or MOF initiatives (5% & 15%) on monthly basis.

• Assess customers’ asset products requests of cards and loans and ensure its alignment with the established policies and procedures set for minimum checking criteria in order to mitigate bank’s risk and filter applications for credit assessment process.
• Process all the incoming applications in order to meet productivity targets within products with effective turnaround time.
• Upload all the incoming applications on T24 system to ensure efficient data base for CAFU(credit account fulfillment unit) applications.
• Follows all relevant department policies, processes, standard operating procedures and instructions so that work is carried out in a controlled and consistent manner.
• Follows the day-to-day operations related to own jobs in the CAFU(credit account fulfillment unit) department to ensure continuity of work.
• Complies with all relevant CBE regulations, banking laws, AML regulations and internal CIB policies and code of conduct in order to maintain CIB’s sound legal position and mitigate any potential risks.

• Manage a portfolio of customers achieving revenue goals, sales/service and portfolio growth targets across a range of products and services for a specific pre-defined set of customers to create a profitable durable relationship
• Provide the assigned portfolio of mass customers with personalized service so as to develop close relationships, achieve maximum profitable contribution for the bank and retain their loyalty
• Maintain a superior customer service experience including pre-empting issues and proactive servicing
• Ensure delivery of customer promise and practice brand values, continue to maintain and improve the quality of service offered
• Up-sell and cross-sell other bank products and services to existing customers
• Minimize customer attrition
• Maintain customer contact
• Orient and educate the walk-in customers on the use of the self-service zone
• Follow up with others, departments, pipeline credit/ operations dept
• On pending cases
• Ensures handling and covering all customer requests / inquiries to deliver services excellence
• Efficiently handles customers complaints, escalating as appropriate.

• Managing education events that were made by British Council with the Ministry of Education
• Managing setup of equipment, etc.

• Dealing with candidates by invigilating and supervising them in their IGCSE exams (Cambridge & Edexcel)
• Ensuring papers safety until delivered to UK to be marked
• Invigilating IELTS exams.

• Selling insurance plans to clients according to their needs
• Managing daily reports
• Making effective presentations to close the deal.

• Responsible for organizing events in Emaar Misr such as Uptown Stars, Christmas festival, Classic cars, Magda elRoumy Concert in Uptown Cairo also in Marassi (The Park)
• Samsung Events
• Philip Moris Events.