Highly experienced commercial banker and consultant with over 25 years’ experience primarily in SME Banking, Corporate Credit and Risk Management with several years at General Manager level for major international banks.Core professional strengths: -SME Banking, Risk Management, Corporate Finance, Training and Business development. -Work experience also covers Trade Finance, Financial Institutions, Investment Banking, and Islamic Finance.Extra professional activities include-An Accredited Instructor at the Egyptian Banking Institute for several training programs in SME Banking, Corporate banking and Risk Management.-Accredited Professor at ESLSCA Business School for Credit & Retail Risk Management-Regional Director - Egypt of the “The Professional Risk Managers’ International Association”. PRMIA. www.prmia.org-Head of SME Banking Division at the Egyptian Credit & Risk Association. ECRAInternational experience:I. Three International On-the-job Training programs:-Societe Generale Head office - Paris in 1995,-National Bank of Abu Dhabi’s London Branch in 2001 and -Abu Dhabi Islamic Bank’ Head Office in Abu Dhabi in 2008. And,II. Four MSME study tours with the Egyptian Banking Institute to India, Italy, Turkey, and Kenya:III. A Microfinance study tour to China with the Syrian Chinese Business Association in 2007.IV. Delivered several International Training Programs in Risk Management and SME Banking in Turkey, Tanzania, UAE, Libya, KSA, Kuwait and Qatar.V. Attended several world-class training programs in Risk Management, Corporate Finance, MSME Banking and Islamic Finance, arranged by world class financial institutions and universities such as the World Bank Institute, IFC, Euro Money, HAY, Scotia Bank, Societe Generale Banque, Islamic Dev. Bank, Ernst & Young, Ashredge School of Management, EBRD, Maastricht School of Management, DC Gardner, USAID, Boston Consulting Group BCG, FSVC, Marcus Evans, ESLSCA Business School, Pearson, Edexcel.