Large Corporate Banking Group - NBFI

Industry: NBFI

Industry: Pharma , NBFI, Packing

- Managing a portfolio amounting 10 Billion EGP. - Preparing credit proposal memos that present the proposed facility package and the associated terms and conditions.- Perform in-depth analysis covering qualitative and quantitative aspects for new and existing corporate clients for the purpose of extending or renewal of credit facilities.- Performing green field project due diligence- Spreading the financial statements and assessing the financial ratios including profitability, efficiency, capital structure and coverage ratios.- Performing the financial projections.- Identifying the financing needs and facility structure.- Carrying out the industry analysis and determining market threats/opportunities.- Monitoring clients’ financial results through the annual and quarterly financial results.- Risk analysis/propose mitigates to cash conversion cycle risks and credit risk.- Participate in negotiating credit facility terms and conditions with clients.- Preparing/reviewing credit facilities' term sheets.- Follow up and review preparation of facility agreement by the internal legal counsel.- Supervise & follow up the signing of the Loan Agreement.- Coordinate between different departments such as legal, credit admin and branches regarding clients’ accounts, facilities and transactions.- Following up and closely monitoring accounts on a regular basis to ensure obligor compliance with approved limits and terms and conditions.- Preparing weekly/monthly credit reports including (payments, utilization & credit memos status and due diligence reports.- Deal with clients and internal counterparties, building working relations at all levels, and resolving any raised concerns.- Hand on experience in Leasing, Factoring, Pharmaceutical, Securitization with facilities such as:- Short Term and Contingent Facilities for financing Working Capital Needs;- Medium Term Loans and revolving facility for financing projects;- Long Term Loans ( with full Business Model ).

In charge of managing and supervising Large and Medium Corporate credit Facilities :- Reviewing the corporate credit approval procedures and condition, and the way of use. Responsible for the documentation cycle starting from getting the required reports for client investigation till signing the contract with the client in order to activate the credit facilities. Hold meetings with the clients in order to review and negotiate how to use the credit approval in addition to get the needed approval signatories. Reviewing and checking the corporate limit position, condition of the Credit Approval and availability of fund before processing any bank transaction like issuance of Letter of credits or Letter of Guarantee or check payment. Executing the money transfers of the shares of Participating banks of Interest and stamp duty in the due date regarding the Syndication loans. Periodically acquiring the balances confirmation and updated Customer documents. Responsible for Quarterly Profitability report for each corporate client. Daily Monitoring for corporate client’s accounts and limit position. Monthly Review and check the CBE statistical Report. Answering the day to day running corporate inquiries. Visits for Client’s project and monitoring the running business.

In charge of Evaluating Liquidity Gaps, Expense Analysis and checking the General Ledger Balances and cash forecast report :- Monthly preparing Cash Forecast Report and Liquidity Gap Report in order to determine when and how long to use our credit facility in the time of liquidity shortage. Responsible for analyzing the Account receivables problems and follow up the delayed Receivables. Expense Analysis for the Production process with an explanation for any abnormal trends appeared. Preparing Supplier’s payment Checks, money transfer, Cash Conversion and bank drafts. Monthly bank reconciliation report. Quarterly preparing withholding tax report (form 41). Responsible for Preparing the Monthly Provision report. Attending the monthly Meetings with the CEO, financial manager and finance team for negotiating the areas of problem regarding liquidity, notices of the expense and collection analysis reports and future planning for covering the liquidity gaps.

 Book keeping for all kind of Expenses, Revenues and Cash transactions. Verifying and checking the complete documentation cycle before recording the accounting transaction. Preparing the Payable and receivable report as a preparation step for the Profit & Loss Statement. Build up customer and Supplier Database ranked with a credit rating and maturities of collection. Preparing withholding tax report (form 41). Deliver supplier’s check and bank drafts.