Mohamed Abdou Esmail

Seeking a challenging position whereby my technical knowledge, managerial, analytical and interpersonal skills can be applied and developed. I am sure of my success in achieving company objectives and also sharing the fun in achieving these goals. Current job position Credit Areas Manager “ Small and Medium Enterprises Sector “Banque Misr” Current job title Deputy general manager “Banque Misr” Years of Experience Date of hiring 18/4/2006 17 years of Experience in Banque Misr (especially in the SME Sector) as follows: 3 years as Credit executive " Abd Elkhalek Tharwat branch” 14 years in SME Sector as follow:- 3 years as a Credit Analyst 4 years as Supervisor credit Analysts 7 years Credit areas manager Till Now Job requirement 1. Well awareness of market and business conditions 2. Excellent command of Credit tools (Analysis Income statement and Cash flow Projection) 3. Full awareness of central Bank of Egypt regulations 4. Full awareness of bank Regulations 5. well aware of local & Commercial Law 6. Ability to train credit finance structure Job accountabilities 1. Responsible for preparing and discussing the credit policy For Small Businesses Sector. 2. Manage, handle and be responsible for the team portfolio, targets, and related operation. 3. Member of Credit Committee up to 10 Million Pound limit allowance. 4. Monitoring my team To hedge their portfolio’s default rate under 3%.

• 5. Review and sign in the Credit Memo through depth analysis as Follow: New cases annual review Top-up Facilities for existing customers 6. Improve the quality of the credit portfolio by suggesting well-structured credit facilities and additional support whenever required. 7. Ensure that turnaround time is maintained at a satisfactory level and that service quality is extended to business partners and end customers at all times. 8. Participate in preparing the standard and performance measures (KPIs) of the team aligned with the top management strategies. 9. Making monthly action plan to achieve the new target to solve any deviation. 10. Facilitate and solve any obstacles in any stage of work flow. Page2of3 Technical Courses 1. Full Credit course in 2010 Accredited by (Jailan Shindy & Associates, Inc.) 2. Digital Transformation Strategist 3. Banking Simulation
• Moody's Risk Rating System
• Accredited by (Moody's company) 6. Credit Risk managing 7. Financial analysis 8. Introduction to Sustainable Finance 9. Supply chain finance 10. Renewable energy finance
• Top Things I have achieved 1. Indian Study Tours sponsored with EBI (Visited top 10 Indian Banks - Feb 2017) 2. I was nominated to be an internal trainer of SME Credit Finance as follows: Credit Proposal Memo” Finance all types of SME Facilities (L/C – L/G – Concessions – Overdraft – Exporting Overdraft – Medium Term Loan – Supply Chain Finance) 3. Preparing Credit policy’s amendment for Small Businesses that was Launched in 08/2021 4. I have achieved maintained my annual Appraisal grade as “Excellent” For 5 years Respectively. 5. After I have promoted to credit areas manager in 2016 I succeeded in participating in rising Small Enterprises’ overall portfolio from 850 Million in 6/2017 to 22.5 Billion by ending of 12/2022 including my outstanding Portfolio reached 5 Billion Pounds approximately 21% of Total Portfolio. 6. I manage a group of R.Ms (Approx. 41 RMs - 6 supervisors – 3 Subordinators)

1. I was nominated to be an internal trainer of SME Credit Finance as follows:

· Credit Proposal Memo”

· Finance all types of SME Facilities (L/C – L/G – Concessions – Overdraft – Exporting Overdraft – Medium Term Loan – Supply Chain Finance)

2. Preparing Credit policy’s amendment for Small Businesses that was Launched in 08/2021

3. I have achieved maintained my annual appraisal grade as “Excellent” For 5 years respectively.

4. After I have promoted to credit areas manager in 2016 I succeeded in participating in rising Small Enterprises’ overall portfolio from 850 Million in 6/2017 to 22.5 Billion by ending of 12/2022 including my outstanding Portfolio reached 5 Billion Pounds approximately 21% of Total Portfolio.

1. Lead and Collaborate with team of (Approx. 41 RMs - 6 supervisors – 3 Subordinators)

• Professional Convention Management Association