Hazem Beshir Email & Phone Number

Cairo

- Evaluating team performance, guiding team members to help them improve, appreciating various efforts, and reporting performance to senior management.- Monitored credit performance and identified potential areas of risk.- Analyzed financial statements, credit reports, and customer profiles to assess creditworthiness and set credit limits for new and existing customers- Prepared detailed credit assessment reports and recommendations to senior management- Reviewed and approved credit applications and customer credit limits in a timely manner- Develop practical and appropriate credit solutions (lending structures) through understanding customers’ needs, and delivering the credit risk analysis in line with agreed business needs.- Ensure full adherence to the credit policy and governance regulations set by the CBE and ABK regarding different credit rules.

Cairo Governorate, Egypt

- Ensure full adherence to the credit policy and governance regulations set by the CBE and by AlexBank regarding different credit rules.- Verify all the necessary documents required by the CBE and to implement the credit review and assessment.- Deliver high quality and consistent credit applications.- Make the necessary spreading to generate the key ratios to be used to evaluate the customers’ financial status.- Check the companies’ financial performance such as liquidity, profitability, credit history and cash, in addition to other factors as income growth, quality of management, market share, and potential risks of industry.- Develop practical and appropriate credit solutions (lending structures) through understanding customers’ needs, delivering the credit risk analysis in line with agreed business needs.- Develop and maintain a close working relationship with relationship/account managers providing guidance and advice on structuring and risk mitigation.- Work in partnership with colleagues and proactively anticipate, respond to and seek to exceed the expectations of internal customers.- Participate in the electronic credit application system development and act as a focal point of the bank with the service provider.- Manage all necessary reports regarding the Mid Corporate portfolio (portfolio expiry, forborne report, KPIs, internal and external audit missions)

- Prepare monthly, quarterly and annually income statement performance internally (Trend Analysis for Revenues and Expenses) .- Prepare monthly, quarterly and annually market share for subsidiary companies.- Maintains database by entering, verifying, and backing up data.- Analyzing current and past financial data and performance.- Preparing reports and projections based on this analysis.- Exploring investment opportunities.- Establishing and evaluating profit plans.- Identifying trends in financial performance and providing recommendations for improvement.

- Assess and review credit proposals and their routine renewals including recommending proposed limits.- Make sure that credit applications are prepared in accordance with credit policy and that effective risk management practices are followed.- Assess and grade risk on corporate clients by using Risk Rating Classes.- Monitor credit exposures adherence to approval and analytical standards.- Enhance credit structure in order to mitigate perceived risk.

Level 2 Candidate, Accounting And Finance

Diploma, International Credit Diploma (Icd)

Bachelor Of Commerce (B.Com.) - English Section, Accounting, Very Good With Honor

Thanwaya 3Ma, 94%