Mohamed Akef Fahmy
Cairo
Summary
SME’s Zone Head with nearly 12 years of experience in the banking industry; Possess hands on experience in credit systems, financial collections, debt management, reporting and all related credit-based system operations.
Skilled subject matter expert with broad experience in delivering impactful results. Strong focus on team collaboration and adaptability to meet changing needs, ensuring reliability and effectiveness. Proven ability in problem-solving, strategic planning, and industry-specific knowledge to drive success. Recognized for clear communication, leadership, and commitment to achieving organizational goals.
Experienced with in-depth knowledge of industry standards and best practices. Utilizes data-driven insights to inform strategic decisions and improve operational outcomes. Track record of effectively managing cross-functional teams and fostering collaborative environments.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Zone Head – SME Credit Department
Arab African International Bank
05.2022 - Current
- Starting to be acting as Zone Head from May 22 then officially promoted to be zone head in Jan.23
- Set clear team goals after setting the department and whole bank goals (targets – Quality…etc)
- Participates in the development and implementation of the credit and marketing plan and credit programs for the business segment.
- Manages, handles and responsible of the team portfolio, targets and its related operations and risks.
- Develops existing client relationships if potential exists and customer satisfaction.
- Prepares quarterly reports reflecting performance, forecast and activity, both personal targets and team performance, and submits to the Credit Department Manager.
- Monitoring the portfolio daily activity and enhance the performance through suggestion and ideas to improve any operation to facilitate the daily operation.
- Set standards and performance measures (KPIs) of the team in line with the top management’s strategic direction, submits to the Credit Department Manager.
- Ensure that the team properly coached, trained, supported, and guided to achieve targets, enhance profits and deliver first class service to clients.
Senior relationship Manager – SME Credit Department
Arab African International Bank
10.2021 - 05.2022
- Participates in the development and implementation of the credit and marketing plan and credit programs for the business segment.
- Generate new profitable deals and Identifies areas of improvement assisting in creating and implementing solutions to provide better services.
- Preparation of full credit package (new /annual reviews /limit increase proposals for existing deals as well as preparing for the new cases execution after the credit committee / board approval.
- Coordinates with the Risk department in conducting initial evaluation of cases and proposing a deal structure.
- Identify and mitigate various risks involved in both pre & post stages of credit approvals
- Coordinates with the Risk department in conducting initial evaluation of cases and proposing a deal structure.
- Prepares quarterly reports reflecting performance, forecast and activity, both personal targets and team performance, and submits to the Credit Department Manager.
Relationship Manager – SME Credit Department
Alex bank
12.2020 - 10.2021
- Participates in the development and implementation of the credit and marketing plan and credit programs for the business segment.
- Generate new profitable deals and Identifies areas of improvement assisting in creating and implementing solutions to provide better services.
- Preparation of full credit package (new /annual reviews /limit increase proposals for existing deals as well as preparing for the new cases execution after the credit committee / board approval.
- Coordinates with the Risk department in conducting initial evaluation of cases and proposing a deal structure.
- Identify and mitigate various risks involved in both pre & post stages of credit approvals
- Coordinates with the Risk department in conducting initial evaluation of cases and proposing a deal structure.
- Prepares quarterly reports reflecting performance, forecast and activity, both personal targets and team performance, and submits to the Credit Department Manager.
Relationship Manager – SME Credit Department
Misr Bank
01.2017 - 12.2020
- Participates in the development and implementation of the credit and marketing plan and credit programs for the business segment.
- Manages, handles and responsible of the team portfolio, targets and its related operations and risks.
- Generate new profitable deals and Identifies areas of improvement assisting in creating and implementing solutions to provide better services.
- Identify and mitigate various risks involved in both pre & post stages of credit approvals
- Supervise preparation of full credit package (new /annual reviews /limit increase proposals for existing deals as well as preparing for the new cases execution after the credit committee / board approval.
- Coordinates with the Risk department in conducting initial evaluation of cases and proposing a deal structure.
- Develops existing client relationships if potential exists and customer satisfaction.
- Prepares quarterly reports reflecting performance, forecast and activity, both personal targets and team performance, and submits to the Credit Department Manager.
- Set standards and performance measures (KPIs) of the team in line with the top management’s strategic direction, submits to the Credit Department Manager.
- Ensure that the team properly coached, trained, supported, and guided to achieve targets, enhance profits and deliver first class service to clients.
Credit Analyst – SME Credit Department
Misr Bank
08.2014 - 01.2017
- Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
- Analyze the financial statements of the companies using Moody's Rating module.
- Generate financial ratios, using Moody's Rating module, to evaluate customers' financial status.
- Assess credit risk and client viability by reviewing the whole provided documents to mitigate any risks could threat loan’s approval.
- Issue, review and modify written credit Memos according to Misr Bank standards.
- Negotiate credit facility terms and conditions with customer for a win-win deal.
- Facilitate customers’ inquiries between related stakeholders.
- Consult customers for best financial practices according to polices for a healthy relationship between customers and the bank.
Corporate customer service – Fifth Residential Branch
Misr Bank
09.2013 - 08.2014
- Promote bank products and services using 4Ps technique to attract new corporate customers.
- Operate and implement all customers’ facilities according to approved terms and bank standards.
- Issue cash covered facilities Memos according to bank standards.
Retail customer service and sales officer – Fifth Residential Branch
Misr Bank
09.2012 - 09.2013
- Sell different bank products/services to existing & potential customers using up and cross selling techniques.
- Increase bank’s client base by opening accounts for both individuals and companies complying with the CBE and compliance department rules.
- Receive, process and assure the accurate execution of customers’ different requests & instructions.
- Provide adequate retention offers for customers according to bank standards and matrix that maintain customer experience and achieve revenue growth.
- Respond to client’s banking Inquiries & Complaints and provide exceptional offers for potential customers.
Accountant
Gohar Group
09.2011 - 09.2012
- Manage vendor accounts, generating weekly on demand cheques.
- Create budgets and forecasts for the management group and ensure compliance with accounting deadlines.
- Deals with bankers, insurers and solicitors regarding financial transactions.
Education
MBA - Accounting And Finance
Eslsca
CairoBachelor of Commerce - Accounting Major, Arabic Section
Cairo University
06.2011
Skills
- Comprehensive knowledge of SMEs' banking industry
- Ability to work under pressure
- Solid analytical and negotiation skills
- Strong leadership skills
- Able to handle multi tasks
- Work with people from different cultures and backgrounds
- A remarkable team player
- High communications skills
- Proficient user of Microsoft Office and Internet
- Very good command of English Language
- Strong analytical skills
- Customer focus
- Expertise in subject matter
- Training and mentoring
- Strategic thinking
Certification
- MBA (Eslsca) – from Jan 2022 till now
- CTP – AFP (beacon Egypt) from 1-2025 till now
- SME Bankers Certification (Frankfurt School) – from Oct 2019 till Nov 2019
- Credit Course (SHENDY Associate) – from Aug 2015 till Jan 2016.
- Credit Course (Egyptian Bank Institute) - from Jul-2014 till Sept-2014.
- Bank Operation training program (Arab Academy for Banking and Financial Sciences/ Institute of Banking and Financial Training).
- Delivering Customer Focused Service program.
- International Computer Driving License (ICDL) Information Systems Institute (ISI).
Accomplishments
- 2016:
- Participate in the preparation of ready-made facilities (working capital facilities-transportation MTL - product lines MTL – school’s facilities).
- 2017:
- Build up my portfolio of 300 M approved facilities and MTL for 20 clients in different sectors.
- Get the first approval in bank Misr to finance the public transportation sector (MWASALAT MISR).
- 2018:
- Increase my portfolio to become 900 M approved facilities.
- Become the first supervisor assistant in the last quarter with largest portfolio in bank Misr SME's sector with 500 M utilization.
- 2019:
- Increase in the portfolio from 900 M to 1400 M approved facilities with 900 M utilization.
Timeline
Zone Head – SME Credit Department
Arab African International Bank
05.2022 - Current
Senior relationship Manager – SME Credit Department
Arab African International Bank
10.2021 - 05.2022
Relationship Manager – SME Credit Department
Alex bank
12.2020 - 10.2021
Relationship Manager – SME Credit Department
Misr Bank
01.2017 - 12.2020
Credit Analyst – SME Credit Department
Misr Bank
08.2014 - 01.2017
Corporate customer service – Fifth Residential Branch
Misr Bank
09.2013 - 08.2014
Retail customer service and sales officer – Fifth Residential Branch
Misr Bank
09.2012 - 09.2013
Accountant
Gohar Group
09.2011 - 09.2012
Bachelor of Commerce - Accounting Major, Arabic Section
Cairo University
MBA - Accounting And Finance
Eslsca