Abby Adel Email & Phone Number

Adelaide, Australia

Doha, Qatar

• Conducting in-depth financial analysis and risk assessment in order to identify the degree of risk involved in extending credit.• Preparing a comprehensive credit due diligence reports for SMEs, and corporate clients in addition to private individuals.• Attending clients’ credit call/site visit to obtain required operational and financial clarifications.• Finalising the deal structure and proposing terms and conditions taking into consideration the prevailing risks and the credit policy.• Ensuring the Legal and Compliance responsibilities are adhered to in accordance with company policies.• Performing annual review for renewals of credit limits for customers. • Managing inbound and outbound calls and e-mails related to daily operations and needed support with the relationship managers, staff and customers.Main achievements included:• Suggested improvements to the private individual credit policy to cope with the market dynamics.• Created a database for the corporate customers to identify the related-parties and facilitate estimating the global exposure of customers to match with the set credit policy.• Developed a financial model to speed up and standardise the financial statement spreading and ratio analysis. • Completion of all assigned cases on SAP based system in a timely and coherent manner.• Participated within a team to develop and test the Corporate and SMEs credit policy .

Cairo Governorate, Egypt

• Preparing industry study of corporate clients to assess their market position and industry trends • Detailed financial analysis and projections; including trend and ratio analysis, financial modelling, scenario analysis and stress-testing, determination of internal risk rating, and regular monitoring of counter party performance to identify any emerging credit risk and test the client’s repayment ability.• Managing and attending clients’ credit calls to obtain all required information and finalise the deal structure. • Preparing detailed report reflecting the proposed facility package and the associated terms and conditions after structuring the deal according to prevailing risks, within the agreed turnaround time.• Periodic renewal of credit facilities of existing accounts based upon a combination of financial analysis and market investigation, to ensure that approved limits abide to terms and conditions.Main Achievements included:• Coverage of various manufacturing industries such as pharmaceutical, F&B, packaging and building material including the market study, credit calls and development of the credit report • Finalised reports and deliverables by 25% less time than the agreed turnaround time without affecting the quality, which helped in better service delivery to customers. • Built strong relationship with stakeholders resulting in smooth workflow and better working environment

Cairo Governorate, Egypt

• Performing economic and industry analysis following the top-down approach, to develop an understanding of the industry globally, regionally & locally.• Building and developing advanced financial modeling for companies under coverage in various fields. • Carrying out financial analysis, correlations and regressions to project 5-years financial statements for companies under coverage to reach the discounted fair value of stock.• Concluding investment recommendation based on calculated fair value to support investors decision and highlight potential investments channels to retail & institutions, through mails, calls in addition to regular presentations.• Updating/revising recommendations on quarterly basis, once the quarter results are announced.• Delegating department director during his absenceMain Achievements included:• Built an in-house excel financial models for equity valuations using both discounted cash flow (DCF) method and dividend distribution (DDM) method • Developed the reports material and their presentation to be more efficient and easier to read.• Participated within a team in preparing a yearly economic report that reflects the team agreed insight.• Proposed new sources of information to facilitate the daily work and save time, which enabled the expansion of team coverage.• Supported in the team hiring process; scanning resumes, performing interviews, mentoring and training the newly hired colleagues.

Cairo Governorate, Egypt

• Performing economic and industry analysis using the top-down approach, to develop an understanding of the industry globally, regionally & locally.• Building and developing advanced financial modeling for companies under coverage in the field of telecom.• Carrying out financial analysis• Concluding investment recommendation based on calculated fair value to support investors decision (retail & institution)• Updating/revising recommendations on quarterly basis.

Bachelor Of Business Administration (B.B.A.), Finance, Excellent With Honors - Gpa 3.69

Courses includes: Financial Analysis, Management, Accounting, Database, Marketing, Feasibility Studies

Credit Certificate, Credit Analysis, Final Desk Grade Is Excellent

Activities and Societies: Accounting, Credit, Financial Analysis, Risk Rating, BankingModule 1: Accounting (IFRS) Module 2: Core Credit.

Cfa Level 1, Finance, General, Passed Level 1

Passed level 1

High School, Mathematics

Studied all school levels since preschool till high school