Osama Abdul Rahman Shalaby
Head Of SMEs & Mid-Cap Risk
El-Sheikh Zayed City
Summary
Dynamic individual with hands-on experience in Risk Platform in Multinational/Regional Bank and talent for navigating challenges. Brings strong problem-solving skills and proactive approach to new tasks. Known for adaptability, creativity, and results-oriented mindset. Committed to making meaningful contributions and advancing organizational goals.
Overview
18
18
years of professional experience
2008
2008
years of post-secondary education
Work History
Head of SMEs and Mid-Cap Risk
Attijariwafa Bank Egypt
Giza
09.2021 - Current
- Ensure the highest standards of credit quality through the structure, sanctioning, monitoring and control of credit applications
- Maintenance of these standards both and as part of Risk Team
- Exercise Sole Lending discretion (Individual discretion up to EGP 35MM)
- Exercise judgment and discretion in evaluation and approval/ decline of higher risk classification credit proposals
- Enhanced team performance by delivering support and guidance in collaborative settings.
- Collaborated effectively with team members to facilitate daily operational tasks.
- Provide feeds into business and credit policy, development where appropriate
- Implementation and ongoing delivery of business and credit policies and processes
Risk Segment Head Mid Cap and SME Risk
Attijariwafa Bank Egypt
Giza, Giza
08.2018 - 08.2021
- A credit professional responsible for credit risk structuring of transactions and sanctioning covering multiple industries sectors for Business Banking & SME customers
- Ensure that as a Team Leader and a Sanctioner with discretion Individual Limit for EGP 15m; the agreed asset quality of portfolio is maintained regarding risk decisions; supporting the origination of new, interim & annual reviews, along with monitoring (along with direct reports) the assigned portfolio of accounts
- Managing a team of 8-10 members of the BB & SMEs Credit Team, at different levels of knowledge and expertise
- Provide ongoing coaching to team members to enhance & upscale their skills & capabilities in terms of productivity, TAT, quality & proactive management of portfolio to achieve satisfactory performance level
- Design and execute suitable training and development plans to ensure appropriate credit knowledge & skills for Coverage Team newly recruited members of Credit Team
- Provide insights for new initiatives as well as structured proposals by the Business
- Besides, partnering with relevant colleagues in Credit Team to develop Mandate & Scale, credit papers and guidelines pertaining to new schemes and business initiatives
- Assist the Head of BB & SMEs (as a team leader & sanctioner) in managing a portfolio of customers within specified segments (in terms of business volume) thus supporting the Business to maximize opportunities, generate solid growth and sustainable returns, whilst managing impairment and costs for the function
- Ownership of various tasks delegated by Head of BB & SMEs Credit, based on strategic priorities
- Invaluable contribution as credit expert on strategic risk management aspects, business challenges & dynamic changes in the work environment and market
- Play an active role in meeting regulatory, Internal Audit and Group policies and guidelines/practices and embed same culture within subordinates within the BB & SMEs Credit Team
- Proactively lead discussions in the event of debates arising between Risk & Corporate Teams (other stakeholders where applicable), regarding the new or existing cases in their assigned portfolio of accounts
Business Banking & SME Senior Credit Manager
Barclays Bank Egypt
Giza, Giza
04.2014 - 01.2018
- Assess a customers’ business through the analysis of Business and Credit risks associated with the provision of the Bank’s products and services to the customer
- Develop high quality credit solutions with the view of obtaining fast credit approvals from relative Approval Authorities
- Be the joint contact for credit management purposes for Auditors, solicitors and other professionals/regulatory authorities
- Preparation of credit applications with paper attachments for recommendations to the Sanctioner by the Relationship Manager as well as extensive coaching for other team members on preparation of credit applications
- Sole Lending Discretion according the Lending Discretion Matrix approved by the Board (i.e. Approval Authority up to EGP 5MM)
- Responsible for managing financial information produced by customers
- Monitor and Control quality of portfolio using ‘terms and conditions of credit sanctions’ as well as internal triggers and in accordance with guidelines and policies – Discussing with Sanctioner trigger events if they give cause for concern, advising the Relationship Manager simultaneously
- Maintain the credit standards required by the Group and Regulatory Bodies and ensure their consistent application
- Provide technical input to the portfolio reporting and analysis
- Assist with development techniques and systems in accordance with the prevailing strategy
- Work in partnership with Corporate teams on new and existing credit applications, providing guidance on credit appetite and formulating strategies for new and existing customers
- Work in partnership with colleagues and proactively anticipate, respond to and seek to exceed the expectations of customers
- Attend customers meetings with the Relationship Managers, in case there are credit related issues are to be discussed/need to be resolved
- Proactively contribute to embedding agreed change management initiatives in support of process, quality improvements and cost reductions
- Support and contribute to specific industry focus as determined by the Corporate and Credit teams
- Introduce and drive through change, challenging ineffective processes and policies where appropriate
Credit Manager – SMEs Credit Risk
Barclays Bank Egypt
Giza, Giza
04.2010 - 04.2014
Senior Credit Officer– SMEs Credit Risk
Barclays Bank Egypt
04.2009 - 03.2011
Credit Analyst – SMEs Credit Risk
Barclays Bank Egypt
04.2008 - 03.2009
Corporate Specialist – Asset Protection Division-Credit Department
Commercial International Bank (CIB)
03.2007 - 03.2008
- Preparing/renewing various documents needed for each new or existing facility pertaining to corporate credit client per industry
- Ensuring all documents for each account are valid and enforceable at all times to protect bank's rights
Education
Bachelor of Business Administration - Canadian Department
Sadat Academy For Management Sciences
Secondary Stage -
El Horreya Language School
Credit Course -
Shindy & Associates Co.
04.2009 - 12.2009
Advanced Commercial Lending -
Risk Training & Coaching Team-BCB UK Risk, Barclays Bank Egypt - IFS School of Finance
03.2009 - 06.2009
Credit Course -
American University in Cairo (AUC)
Egypt 06.2008 - 12.2008
Advanced Commercial Credit Analysis - undefined
Fitch Training
Skills
- Perfect utilization of various Office Suite applications
- Perfect research and info gathering skills
- Perfect research and info gathering skills
Personal Information
- Place of Birth: Cairo, Egypt
- Date of Birth: 01/22/83
- Nationality: Egyptian
- Marital Status: Married
Training
- Study tour in various Financial Institutions in Malaysia, 11/01/16
- Advanced Commercial Credit Analysis, 07/01/15
- Credit Course by Jailan Shindy, 04/01/09 to 12/31/09
- Advanced Commercial Lending, 03/01/09 to 06/30/09
- Credit Course, American University in Cairo (AUC), 06/01/08 to 12/31/08
Timeline
Head of SMEs and Mid-Cap Risk
Attijariwafa Bank Egypt
09.2021 - Current
Risk Segment Head Mid Cap and SME Risk
Attijariwafa Bank Egypt
08.2018 - 08.2021
Business Banking & SME Senior Credit Manager
Barclays Bank Egypt
04.2014 - 01.2018
Credit Manager – SMEs Credit Risk
Barclays Bank Egypt
04.2010 - 04.2014
Senior Credit Officer– SMEs Credit Risk
Barclays Bank Egypt
04.2009 - 03.2011
Credit Course -
Shindy & Associates Co.
04.2009 - 12.2009
Advanced Commercial Lending -
Risk Training & Coaching Team-BCB UK Risk, Barclays Bank Egypt - IFS School of Finance
03.2009 - 06.2009
Credit Course -
American University in Cairo (AUC)
06.2008 - 12.2008
Credit Analyst – SMEs Credit Risk
Barclays Bank Egypt
04.2008 - 03.2009
Corporate Specialist – Asset Protection Division-Credit Department
Commercial International Bank (CIB)
03.2007 - 03.2008
Advanced Commercial Credit Analysis - undefined
Fitch Training
Bachelor of Business Administration - Canadian Department
Sadat Academy For Management Sciences
Secondary Stage -
El Horreya Language School
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