Menna Talla Fahmy Email & Phone Number

Cairo, Cairo Governorate, EG

Cairo

• Perform underwriting of new and existing loans to assess company’s financial capacity, business profile, industry position, repayment capability, and collateral adequacy.
• Credit assessment through analyzing financial statements, bank statements, sales Invoices, business activities of credit customers to evaluate the degree of risk involved in order to be controlled and mitigated.
• Ensure credit facilities have been properly structured, pricing and collaterals are adequate and there are no violations in any internal or external regulations or policies.
• Prepare Credit Appraisal Memorandum with appropriate recommendations for approval, rejection or amendments based on credit analysis to the senior management.
• Credit assessment on new credit proposals and review existing accounts through periodic visits to company’s head office when needed.
• Perform credit scoring based on the financial and non-financial information and ensure credit application meet all product terms & conditions and eligibility criteria.

Cairo, Egypt

• Managing classified credits risk rated Substandard, Doubtful and Loss accounts and certain special accounts under watch list category which allocated upon prior approval.
• Negotiating repayment, restructuring or rescheduling of debt, or refinance wherever required for the purpose of setting the outstanding exposure either by cash settlements and/or assets swap according to credit.
• Periodic visit to customers with no legal actions to be conducted at least every three months.
• Preparing documentation under settlement agreements and work-out arrangements in consultation with the bank’s Legal department or external legal consultants.
• Following up and stressing on borrowers for recovery, settlement of outstanding liability and previously written off exposures.
• Assessing provision requirements on SARD portfolio and submit it to the Provision & Credit Rating Committee on quarterly basis to comply with the bank’s internal policies and CBE regulations.

• Review original documents after customer’s signature to ensure that these documents are fully complied with the approval terms and conditions & CBE regulations to activate the facilities.
• Review the drawdown approval & related documents to ensure that these documents are fully complied with the approval terms and conditions before client’s disbursement.
• Activate new buyers & suppliers for the purpose of facility disbursement.
• Prepare all required documents for the issuance of credit guaranteed insurance policy.
• Review corporate account opening forms & all related documents to ensure that these documents are fully complied with the SOP to open company’s account for the purpose of facility activation.
• Update approved credit application/ memorandum including needed & expired documents on documentation system to ensure easy retrieval when needed.

Cairo Governorate, Egypt

• Manage problematic accounts for Small & Medium enterprises (SMEs) under various types of loans and respond to all customers’ inquiries to maintain a stable relationship and ensure smooth flow of work.
• Prepare diagnoses of the reasons for criticism & bad debts for each Nonperforming Customer and propose proper Turnaround Plans.
• Attending meetings with Customers in order to achieve proper settlement plans.
• Follow up on Nonperforming customers to increase monthly collections and control all delinquency factors in order to minimize credit loss & provisions according to the set target.
• Prepare all required reports or memos on daily basis covering past due activities and detecting any operational procedures irregularities.
• Comply with all relevant CIB regulations, banking laws, AML regulations and internal CIB policies and code of conduct in order to maintain CIB’s sound legal position and mitigate any potential risks.

Hamburg, Germany

• Researcher in “The Refugee Project” carried out by Hamburg University through conducting experiments with Syrians & Jordanians in the field to see whether civil war experience affects voluntary cooperation & it’s.
• Designing research tools including questionnaires and discussion guidelines according to the research approach.
• Collecting data from the surveys in refugees’ camps in addition to translating & improving the interface of the experiment in different languages.
• Arranging classes & providing support to refugees to continue their studies in Germany in addition to language courses and sports programs.

Cairo

• Provide customers with basic information on all bank’s products/services to increase customer awareness and high quality of level service.
• Deliverables Custodian, Handle balance enquiries of walk-in customers and operations related to the job.
• Handle all customer’s queries and complaints to reach customer satisfaction.

Cairo

• Enlightening all walk-in customers on how to access and use digital banking channels and explaining the benefits of using these channels, which include Mobile Banking, Internet Banking, and ATMs.

6th Of October

Billing Advisor – Assisting British customers with their billing enquiries.

Master’S Degree, Masters Of Law And Economics, Very Good

M.Sc. in Law and Economics, Double Degree from Faculty of Economics and Political Science, Cairo University and Institute of Law and.

Bachelor’S Degree, Economics, Good

Activities and Societies: MAC Finance Delegate'13 • English section • Major – Economics • Minor – Management • Cumulative Grade: Good •.

High School, Literature Section, 96.5%