El Sheikh Zaid, Al Jizah, Egypt
Banking professional with over 4 years of experience in credit risk assessment, loan administration, and corporate credit investigations across leading financial institutions. Skilled in evaluating borrower creditworthiness, preparing comprehensive credit reports, and ensuring full compliance with regulatory frameworks and internal policies. Specialized in handling SMEs and large corporate clients, conducting in-depth financial analysis, verifying documentation, and assessing repayment capacity to support sound lending decisions. Experienced in preparing detailed risk assessment reports that contributed to reducing non-performing loans (NPLs) and supporting loan approvals exceeding $50M. Recognized for strong expertise in portfolio management, fraud detection, and risk mitigation strategies, while collaborating effectively with cross-functional teams to optimize credit processes and safeguard portfolio quality. Passionate about driving sustainable growth in the banking sector by aligning risk management practices with business objectives and building long-term, trusted client relationships.
◉ Review credit files submitted by direct sales officers and branches to ensure accuracy and completeness. ◉Verify client signatures, commercial records, and overall file conformity with banking specifications. ◉ Examine I-Score reports and negative lists, including verification of judicial procedures, marginal returns, and fraud alerts. ◉ Calculate net income and Debt Service Ratio (DSR) to assess repayment capacity. Assess the total facilities obtained by clients across all banks to identify overall exposure. ◉Ensure customer compliance with the requirements of the banking program requested. Analyze risks and make decisions regarding the acceptance or rejection of loan