Mohamed Atef Email and Phone Number

• Creating an effective business partnership, manages competing priorities, and provides guidance based on data analysis during unexpected events.• Contributing to the achievement of the Group's strategic objectives in terms of NOP / RWA, Cost of Credit, through applying the corporate credit strategy for ISBD foreign banks to address new origination towards portfolio clusters with the best risk-return characteristics, and value creation.• Oversee the levels and trends of loan… Show more • Creating an effective business partnership, manages competing priorities, and provides guidance based on data analysis during unexpected events.• Contributing to the achievement of the Group's strategic objectives in terms of NOP / RWA, Cost of Credit, through applying the corporate credit strategy for ISBD foreign banks to address new origination towards portfolio clusters with the best risk-return characteristics, and value creation.• Oversee the levels and trends of loan impairments, cost of credit, non-performing loans, and repossessed assets in the ISBD foreign banks;• Analyze the evolution of the cost of credit of subsidiaries within the perimeter of the Division as part of the Division's Planning and Control processes and with the support of the Planning and Control and Risk management functions of the individual Banks.• Liaise with relevant functions in ISP Group (CLO, CRO, CFO Area) about monitoring of credit quality and main risk/credit indicators and the management of credit risk initiatives.• Leading the analysis of the industries concentration across ISBD foreign banks, including both the concentration of each sector and aggregate concentration. Show less

• Advise the business on corporate risk, governance, and compliance matters as required.• In control of the bank's portfolio concentration analysis, in addition, assessing the associated risks to define a benchmark for each sector and recommend the best actions.• Improving the existing risk identification processes and activities to ensure a comprehensive risk management framework, including emerging risks and changes in risk exposures.• Drive Business and credit origination process… Show more • Advise the business on corporate risk, governance, and compliance matters as required.• In control of the bank's portfolio concentration analysis, in addition, assessing the associated risks to define a benchmark for each sector and recommend the best actions.• Improving the existing risk identification processes and activities to ensure a comprehensive risk management framework, including emerging risks and changes in risk exposures.• Drive Business and credit origination process toward the target credit portfolio through developing the corporate credit strategy to identify the potential industries to grow and the most profitable for the bank• Responsible for the bank Portfolio Quality Report.• Definition of an optimized portfolio structure in compliance with risk appetite framework constraints, and strategic and managerial views• Perform Sectorial Analysis to the assessment of the economic and financial conditions and prospects of bank sectors. Show less

• Enhance the Risk Management framework to support the bank’s objective of having a holistic and integrated assessment of opportunities and threats affecting the achievement of the set objectives to drive continuous improvements to the applied risk strategy.• Perform the Internal Capital Adequacy Assessment Process (ICAAP) to assess risks and capital adequacy maintenance to enhance efficiency and minimize risk. & ensure the proper calculation of Pillar II capital requirement.• Develop &… Show more • Enhance the Risk Management framework to support the bank’s objective of having a holistic and integrated assessment of opportunities and threats affecting the achievement of the set objectives to drive continuous improvements to the applied risk strategy.• Perform the Internal Capital Adequacy Assessment Process (ICAAP) to assess risks and capital adequacy maintenance to enhance efficiency and minimize risk. & ensure the proper calculation of Pillar II capital requirement.• Develop & implement processes to assess and monitor the effectiveness of risk governance frameworks.• Develops & enhances the bank’s risk appetite framework, in addition to risk tolerance.• Ensure that Alexbank always has adequate Capital to cover the risks related to its operations and growth.• Constantly evaluate the bank's capital requirement and capital adequacy.• Supports and develops the methodological issues, by providing training at all relevant levels of the bank.• Provide guidance and advise to Senior Management, Board of directors and Risk Committees through the periodical capital & risk reports.• Keeps contact with the relevant unit of the Parent Company to harmonize the applied approaches and methodologies at the Intesa-Sanpaolo group level;• Identifies the action plans which can reduce the probability, severity, or eliminate the occurrence of the material risks.• Assist in the implementation of ERM initiatives within the bank.• Promote bank risk awareness culture through communications, workshops, training sessions, informal/formal engagements.• Managing IFRS9 development, monitoring, and revising the Expected credit loss (ECL) framework.• Developing credit risk IRB, IFRS 9, Pillar 2, and Stress Testing models for the effective measurement of PD, EAD and LGD.• In charge of the preparation and development of the bank’s recovery plan as a strategic key management tool to facilitate the Bank’s resilience in front of stressful events and scenarios. Show less

• Implementing the Enterprise Risk Management (ERM) set framework to support the bank’s objective of having a holistic and integrated assessment of opportunities and threats affecting the achievement of the set objectives to drive continuous improvements to the applied risk strategy.• Execute the Internal Capital Adequacy Assessment Process (ICAAP) to assess risk and capital adequacy maintenance to enhance efficiency and minimize risk.• Implement the integrated data stress testing of… Show more • Implementing the Enterprise Risk Management (ERM) set framework to support the bank’s objective of having a holistic and integrated assessment of opportunities and threats affecting the achievement of the set objectives to drive continuous improvements to the applied risk strategy.• Execute the Internal Capital Adequacy Assessment Process (ICAAP) to assess risk and capital adequacy maintenance to enhance efficiency and minimize risk.• Implement the integrated data stress testing of the ERM framework to ensure effective setting of risk appetite and assist in defining business & strategic objectives.• Develop enough knowledge of Basel II and Basel III regarding credit risk and risk management accord and regularly communicate updates and amendments to subordinates to ensure their compliance with Basel II requirements as outlined by the Central Bank of Egypt. Show less

• Support the Bank’s ERM Road Map and specifically enhance the quantitative modeling capabilities and validation.• Assist in preparing and validating the stress testing model needed for the CBE ICAAP reporting, efficient capital allocation, and management• Assist in Consolidated / Integrated Stress Testing exercise.• Review & Enhance Risk Appetite & tolerance in accordance with ICAAP.• Review the periodical conducted reality checks, validation, and reviews outcomes on credit… Show more • Support the Bank’s ERM Road Map and specifically enhance the quantitative modeling capabilities and validation.• Assist in preparing and validating the stress testing model needed for the CBE ICAAP reporting, efficient capital allocation, and management• Assist in Consolidated / Integrated Stress Testing exercise.• Review & Enhance Risk Appetite & tolerance in accordance with ICAAP.• Review the periodical conducted reality checks, validation, and reviews outcomes on credit risk reports, including CBE or Internal reports assessing cross border, capital adequacy ratio, and stress testing to ensure the accuracy and reliability of reportsAchievement:Commercial International Bank of Egypt (CIB) has been named the winner of the Achievement in Enterprise Risk Management (ERM) award 2015 during The Asian Banker Risk Management Awards Program for the Middle East & Africa. Show less

• Analyze & following up on all Non-Performing Loans, In addition to preparing annual Impairments budget.• Cooperating closely with the various departments in the preparation of CIB’s quarterly financial disclosures according to The International Reporting System, specifically regarding the level of Non-Performing Loans, the needed Impairments & the KRIs• Following up with the responsible team handling criticized accounts concerning upgrading and /or downgrading of accounts &… Show more • Analyze & following up on all Non-Performing Loans, In addition to preparing annual Impairments budget.• Cooperating closely with the various departments in the preparation of CIB’s quarterly financial disclosures according to The International Reporting System, specifically regarding the level of Non-Performing Loans, the needed Impairments & the KRIs• Following up with the responsible team handling criticized accounts concerning upgrading and /or downgrading of accounts & accordingly, assessing the adequacy of allocated Impairments• Preparing all data concerning inquiries about Non-Performing Loans & the adequacy of Impairments for Central Bank of Egypt, the External Auditors, Rating Agencies & the Internal Audit Group.• Preparing past-due follow-up reports as well as being fully responsible for monitoring past dues and reporting results to Department’s head.• Prepare the departments’ presentation & a full analysis of the Impairments during the quarter to the Board Audit & Risk CommitteesAchievements:- Develop Loan Loss Provisions Automation System- Enhancing & accelerate the process of reporting LLP reports by a maximum of 1 working day after receiving all data.- Build a new Excel model used in preparing 5 years budget.- Creating a new LLP model (Impairments with the same debt of currency).- Involved in preparing CBE quarter report & ensure that the data sent by Risk Management are complying with the Financial Statement which resulted in a senior management appreciation of the way we efficiently handled the report. Show less

• Monitoring the Process of reporting accruals expenses & ensure that the accruals being made are within the budget.• Develop a monthly report comparing actual against planned expenses for COO& Support Area and ensure the accuracy of figures.• Responsible for cost-saving validation report & ensure the accuracy & reliability of the report.• Analyzing financial data, spot trends, preparing breakdown income & expense analysis reports, Preparing forecasts and feasibility studies for new… Show more • Monitoring the Process of reporting accruals expenses & ensure that the accruals being made are within the budget.• Develop a monthly report comparing actual against planned expenses for COO& Support Area and ensure the accuracy of figures.• Responsible for cost-saving validation report & ensure the accuracy & reliability of the report.• Analyzing financial data, spot trends, preparing breakdown income & expense analysis reports, Preparing forecasts and feasibility studies for new products and branches.Achievements:- Develop a new approach for forecasting profitability to all the bank's products using the OFSA (Oracle financial services application).- Creating & enhance banks comparison analysis report about market competitors.- Build a new template used in profit plan & budget preparation for the years 2007 & 2008. Show less