Walaa Karam Saber
Wadi Hof
Summary
Dedicated and enthusiastic with over 12 years of experience in finance Sector.
Strong aptitude for organization and juggling multiple priorities.
Eager to contribute to Sector goals and support organizational objectives through ongoing education to enhance performance.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Relationship Manager
Central Bank Of Egypt
10.2022 - Current
- Supervising one of the Private Group Banks.
- Communicate regularly with the bank,and ensure reports are delivered correctly and on time.
- Ensure that bank comply with CBE Regulations.
- Prepare and submit required reports to Top management.
- Prepare memos about the bank performance in general to top management, and also in case of any unusual issue with proper recommendation.
- Communicate and collaborate with other Supervision and Control Departments.
Team Leader
BDC
10.2019 - 09.2022
- Identify the key risk factors associated with clients, transactions, and industry across the assigned portfolio.
- Analyze and negotiate financing terms and conditions with Business Teams.
- Ensure risk ratings are accurate and reflect a current forward-looking view of the client.
- Ensure all credit risk policies are followed, and present and recommend appropriate credit structures relative to risk assessment and policy considerations for approval at the appropriate level.
- Analyze, prepare, and present for approval all required waivers, amendments, and extensions.
- Work closely with Credit Support Departments to ensure accuracy of credit system data and daily operation.
- Prepare and present quarterly portfolio review material to senior management.
- Work with internal and external Auditors to validate credit quality and integrity of the credit process, and comply with regulatory and policy requirements.
- Assist in training and developing junior and senior credit risk officers.
Senior Credit Risk Officer
BDC
06.2017 - 10.2019
- Assist in training new comers and assisting different departments in order to have the most efficient result for the benefit of the clients and bank.
- Review periodically reports generated by Credit Administration Dept. in order to perform pro-active on-going credit monitoring and risk management on the client as well as portfolio level.
- Help to prepare various credit reports to be presented to Senior Management.
- Undertake other tasks as requested by The Head of large Corporate/ CRO.
- Prepare the portfolio Stress Test report quarterly till the end of 2017.
Credit Risk Officer
BDC
09.2014 - 06.2017
- Review and assess the credit proposals submitted; exercise credit judgment; and make sound credit recommendations.
- Approve the obligor risk rating according to Moody's Risk Analyst.
- Review Credit Approval before submission to the Credit Senior Committee.
- Ensure all internal credit policies and procedures are adhered to and help to develop or enhance such policies and procedures.
- Ensure on-going compliance with regulatory requirements.
- Review and recommend for some of the daily transactions to proceed with and follow up other departments remarks.
Credit Officer
BDC
09.2013 - 09.2014
- Compile and complete the preparation of Credit Applications and Facility Offer Letters.
- Complete the financial statement spreading for various statement types in line with the laid down lending and spreading guidelines.
- Manage and maintain current corporate partners, safeguarding relationships, ensuring highest level of customer service and delivery of benefits and work to maximize and increase levels of support.
Junior Auditor
Arab Consultants & Accountants
09.2012 - 08.2013
- Examine financial and accounting records, other documents, and tangible items such as plant and equipment and watching certain processes or procedures being performed.
- Assist in the selection of audit procedures and performing audit program.
- Prepare working papers summarizing evidently data obtained and conclusions researched.
- Discuss results of work with Manager/Supervisor auditor, including deficiencies found and recommends corrective action.
- Participate in writing findings developed during the audit.
- Assist in preparing financial statements, accounting policies and disclosures in accordance with International Financial Reporting Standards.
- Prepare analysis, reports, and other audit tasks as necessary.
Intern
Gulf Suez Petroleum Company
08.2012 - 08.2012
Intern
Gastec
08.2011 - 09.2011
Education
MBA -
Arab Academy For Science Technology & Maritime Transport (AASTMT)
B.A. - commerce- English section
Helwan University
05.2012
High School - undefined
Zahraa Helwan Secondary School for Girls
06.2008
Skills
- Dedicated work ethic
- Clear and concise report drafting
- Advanced MS Word, Excel, PowerPoint skills
- Effective communication
- Collaborative teamwork skills
- Self-directed work capability
- Detail-oriented approach
- Effective task management
Certification
- Corporate Finance & Credit Certification, Financial Edge, JP Morgan and Moody's Analytics
February 2019 -April 2019
- The new methodology of provisioning according to (IFRS9) and its impact on regulatory capital, Union Arab Banks
May 2017
- Credit Certificate, Egyptian Banking Institute
September 2017- March 2014
- ICDL
- Berlitz English
Personal Information
- Date of Birth: 02/01/91
- Gender: Female
Timeline
Relationship Manager
Central Bank Of Egypt
10.2022 - Current
Team Leader
BDC
10.2019 - 09.2022
Senior Credit Risk Officer
BDC
06.2017 - 10.2019
Credit Risk Officer
BDC
09.2014 - 06.2017
Credit Officer
BDC
09.2013 - 09.2014
Junior Auditor
Arab Consultants & Accountants
09.2012 - 08.2013
Intern
Gulf Suez Petroleum Company
08.2012 - 08.2012
Intern
Gastec
08.2011 - 09.2011
B.A. - commerce- English section
Helwan University
High School - undefined
Zahraa Helwan Secondary School for Girls
MBA -
Arab Academy For Science Technology & Maritime Transport (AASTMT)
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