Mohamed Adel Abdelrahman Hussein

• Trained and supported new team members, maintaining culture of collaboration.
• Collaborated with cross-functional teams to drive successful completion of complex projects within deadlines.
• Mentored junior associates, fostering professional growth and helping them reach their full potential.
• Consistently maintained strong relationships with clients, ensuring clear communication and timely updates on project progress.

Business Growth

1.Work on managing and maximizing the Business Banking company’s financial needs through maintaining strong relationship with the existing borrowing companies in addition to approaching NTB companies

2.Attract new Business Banking companies to maximize Bank’s assets, trade finance, liabilities and profitability as well as cross-selling CIB’s other products. Conduct simplified financial analysis and simplified executive summary for new cases or solicited directly to identify the customer needs and offer them the suitable product program matching the credit products’ policy

3.Conduct daily follow-ups for the company’s business transactions & the new approved customer’s as well as the required exceptions in order to maintain an updated and healthy portfolio

4.Ensure enhancing the industry knowledge-base and assist in market analysis and support in innovating new programs and potential business industries / areas in order to increase the portfolio with NTB companies.

5.Ensure efficient sales management (i.e. new unsecured facilities approvals / Utilization / Deposits / Aggregate / Payroll & GTS customers Growth contribution) I order to achieve the planned targets

6.Ensure handle of the annual reviews, Insurance policies & documentations in the assigned portfolio

7.Understand the clients’ business model & need and provide them with advices in order to offer to the customer the suitable facility in terms of products or services and increase the customer experience

8.Handle customers at any assigned geographical destination to ensure a better coverage and diversity.

9.Ensure efficient management & collaboration among all stakeholders and adopt smooth work flow to deliver best quality of service

10.Achieve a high approval ratio from the presented cases in addition to generate new referrals in order to achieve enlarge the portfolio and achieve the NTB set target

11.Maintain healthy portfolio in terms of expirations /delinquency / abiding to credit approval conditions in order to mitigate any risk

12.Conduct meetings with new clients & regular meetings with existing manners to increase and maintain the portfolio

13.Facilitate the borrowing customer experience through-out customer journey.

14.Prompt response to all dealing departments in daily reports, inquiries, needed documents on the agreed SLA to ensure a smooth workflow.

15.Cooperate with Risk team to undertake proper credit assessment for borrowing clients in order to ensure high portfolio quality

16.Handle customers’ complaints properly, and recommends solutions to evade re-occurrence and ensure they are closed within the set TAT

17.Negotiate with the clients and settle on pricing, facilities, terms & Conditions with clients before handling the case to the Business Banking Risk for final recommendation

Follow up

18.Monitor customers’ information are always updated to maintain valid documentation

19.Monitor the facility utilization to ensure that it is within approved limit and structure and ensure prompt settlement of dues

20.Prepare Call Memos for current business banking customers to report their market situation frequently through site visits, phone calls and checking the suppliers and buyers’ lists

21.Respond to risk enquiries within the defined T.A.T to maintain portfolio quality monitoring

Policies, Processes and Procedures

22.Follows all relevant department policies, processes, standard operating procedures and instructions so that work is carried out in a controlled and consistent manner

Day-to-day management

23.Follows the day-to-day operations related to own jobs in the Business Banking Borrowing Customers’ department to ensure continuity of work

Compliance

24.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

Service / Operations

1. Review credit files submitted by the Senior / Credit Customer RMs to ensure completion of documentation list & liaise communication between risk and Senior / Credit Customer RMs in all aspects

2. Support Senior / Credit Customer RMs in communication with clients, through phone calls in order to complete/update missing/expired documents

3. Develop follow up reports for the Team Head; past dues, expired cases, documentation …etc to support Team Head in managing Senior / Credit Customer RMs performance and ensuring the sales target plan is met

4. Review the approval rate of the cases submitted to the Risk department and ensure they comply with the agreed upon rates and TAT in order to maintain high quality of analysis

5. Track the expiry of documentation, renewals of granted facilities and ensure customers’ information are always updated to maintain clear portfolio

6. Maintain daily updated cases to be reflected on pipeline to facilitate the tracking by all the team. .

7. Prepare, review and update the contracts between the bank and the Business Banking customers in order to maintain clear portfolio

Policies, Processes and Procedures

8. Follows all relevant department policies, processes, standard operating procedures and instructions so that work is carried out in a controlled and consistent manner

Day-to-day Operations

9. Follows the day-to-day operations related to own jobs in the Business Banking department to ensure continuity of work

Compliance

10. 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

Operational Functions

• Perform all the ATM functions including preparing daily proof sheet , handling captured cards , filling along with the replenishment of onsite ATM machines and reports any malfunctions for repairs and maintenance.

• Introduce alternative channels to customers to reduce traffic in branches according to bank SOP’s.

• Process all the cash counter transactions accurately in accordance with the set objectives.

• Manage the branch daily cash needs with Head Teller for better coordination of cash shipments between the branch and central vault.

• Investigate thoroughly any differences in balancing and reconciliation of cash and other security items by following the standard process of checking / scrutiny / investigation as outlined in Branch standard operating procedure manual.

• Cross sell products based on customer potential and needs without affecting their primary work and service standards contributing in the achievement of the branches KPIs.

• Adhere to the bank standards related to the average waiting & serving time in addition to the productivity reports.

• Maintain zero cash shortages and excesses at counter to ensure maximum control on cash balance.

• Maintain accurate checking on all end of day reports and rectifying of highlighted discrepancies to ensure all controls and procedures are adhered to.

• Check counterfeit currencies, checks and identities.

Reporting

• Handle customer requests efficiently and raise any problems to the Head Teller/Operation Supervisor in order to meet customer satisfaction & to reach customer delight

• Be attentive to any possible frauds and risks and provide customer feedback to direct supervision.

• Deviations and exceptions reporting in branch monthly exception report in a timely manner

Policies, Processes and Procedures

• Follows all relevant department policies, processes, standard operating procedures and instructions so that work is carried out in a controlled and consistent manner.

• Maintain regular consistent and professional attendance, punctuality, personal appearance, and adherence to relevant health & safety procedures

• Adhere to the bank clean desk policy

Day- to-day operations

• Follows the day-to-day operations related to own jobs in the concerned department to ensure continuity of work

Compliance:

• 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."