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<pre>Array ( [var] => cut_url ) </pre> Resume for Khaled M. for Other / Banking in Cairo, Egypt. Search More Resumes for Other on Resumark.com #I6HUYETRQ
 

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Resume for Khaled M. for Other / Banking in Cairo, Egypt




Occupation: Other Industry: Banking
Country: Egypt City: Cairo
State: Al Qahirah ZIP: 12345



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KHALED M. Rushdi Street, Apt. , Safir Square, Heliopolis, Cairo, Egypt Mobile: + Email Address: I. KEY STRENGTHS * years of banking experience in different countries, Egypt, UAE, Saudi & Bahrain with financial institutions, mainly in credit analysis & risk management, corporate banking, syndications & financial institutions yet with solid background and considerable exposure to related BU primarily, capital markets deciding on investment proposals for bank&;s own book and leading/participating in debt & equity origination transactions, structured finance, structured credit products, projects finance, legal, compliance & operations. My years&; + work experience in UAE has been with both a prime international bank as well as a reputed local bank in various capacities while my years experience in Bahrain was with the largest Bahraini bank. Fluent in languages Arabic mother tongue, English and French. * Indepth knowledge of the Egyptian /UAE / GCC markets with a solid credit background being in charge of these countries for the last years at AUB H.O. & ABN AMRO Dubai, sound analytical skills & demonstrated decision taking capabilities. Key team player in large ticket syndications & structured / Islamic / acquisition finance deals in well diversified industries aviation, ship finance, real estate development, retail, power, ports & infrastructure, oil & gas, petrochemical, etc. * Proven track record of sensible credit decisions. Was acting as a representative of Arab Bank plc, Egypt to in local & international syndications involving mainly complex nonperforming loans. From to , was engaged as creditor&;s representative in the restructuring & recovery of the Egyptian Banks&; debts during the economic crisis. Between and , handled the largest commercial portfolio in MashreqBank USD bln+. During the years to , was one of two senior officials who took the ownership of establishing the new Credit Portfolio Management team and was subsequently promoted to become the Country Risk Officer of ABN AMRO Bank in Dubai covering the UAE & the entire Middle East. Since June , heading the Group Credit Risk Department at Ahli United Bank covering the entire Group assets worth USD bln before moving to Arab Investment Bank as the Chief General Manager. II. SUMMARY OF SELECTIVE KEY ACHIEVEMENTS * Restructured the Country Risk Office of ABN AMRO, UAE by segregating the various risk functions, namely credit risk, operational risk and market risk. Developed considerably the operational risk activities across all business units in the country and achieved perfect alignment between credit risk and various stakeholders from other units bankwide inside and outside UAE. Achieved sound recovery results from nonperforming loan portfolio with reversal of provisions that contributed % of the wholesale bank bottom line in . Since the take over of CRO responsibilities, there were nil provisions taken at wholesale bank and credit limits tripled since then to exceed USD bln. Local credit approving authorities were doubled by the Regional Risk Office in Asia for UAE in recognition of the sound risk management of the wholesale portfolio, thus reflecting consistently enhanced management confidence. * Established with the Country Head of Loan Products UAE, the Credit Portfolio Management Department CPM at ABN AMRO Bank Dubai in , identified numerous weak & value destroying credits, formalised and implemented various exit plans that resulted in major recoveries and minimum provisions. Recruited and trained many CPM RMs and posted three identified talents from them in challenging positions within ABN AMRO network in Europe & Asia. * Established the corporate banking department & booked borrowing relationships team members only in ½ years in Apr Dec at Arab Bank plc new branch in Mohandesseen Cairo from scratch, far exceeded financial targets breakeven in months & net profit at yearend after months of operations with zero provisions and good audit rating. III. PROFESSIONAL EXPERIENCE ARAB INVESTMENT BANK, CAIRO, July till April Chief General Manager Reporting to the bank&;s Managing Director, responsible for the overall restructure of the bank to position it as one of the strong medium size local banks in Egypt. Started by creating a new Risk Management Department incorporating Credit, Operations & Market Risk along with centralization of Corporate Banking to Head Office and remote branches instead of having its activities spread across branches, in order to improve the overall efficiency of the lending business. The following task would be the centralization of Payment & Trade Finance operations from the branches to the Head Office. At present, also engaged in a new project to upgrade and enhance the IT infrastructure of the bank in order to improve the efficiency of MIS, operations, customer service and product offering. There is also a new project aiming at improving the HR function by changing the existing performance review, conducting an assessment of % of the staff to identify the good calibres and those who might become redundant. While primarily engaged now in support functions, yet heavily involved in Business through membership of Executive Committee, Credit & Investment Committee as well as Special Assets Committee. After many years of net losses, AIB is likely to achieve a net profit of EGP mln in representing ROC of % after covering the EGP mln provisions gap and payment of EGP mln tax claims. Resigned after th of Jan revolution due to growing anti sentiment from the majority lower paid employees towards the highly paid senior executives at public sector banks and costcutting measures taken by the ministry of finance, AIB ultimate parent. At present, working as a part time instructor at Egyptian Banking Institute where I am giving specialized credit risk training. AHLI UNITED BANK, HEAD OFFICE, BAHRAIN, June till May Group Head of Credit Risk * Reporting to the Deputy Group CEO Risk, Legal and Compliance, managing senior members team in Head Office and having line management functional responsibility for the Risk Heads of all the bank subsidiaries and managed affiliates in UK, Kuwait, Qatar, Egypt, Oman and Iraq; responsible for all credit risk matters groupwide with assets in excess of USD bln. * Main responsibilities include the approval / recommendation to higher authority of all credit applications beyond Level for corporate, financial institutions, countries, private banking, retail banking and treasury & investment departments with a view of minimizing credit risk and improve the Group assets quality. * Developed a standard credit application template for the use of the entire group and revised/enhanced the group credit policy & risk frameworks for Bahrain & other subsidiaries, apart from ongoing revision of retail program lending parameters & proposed enhancement to the existing risk rating tool & spread sheets for corporate clients. * Member & Deputy Chairman of both the Group Risk Committee and the Group Special Assets Committee. * Selected by the Group top management to join the Managing Board of Directors and the Executive Committee of Ahli United Bank & Bank of Kuwait & the Middle East subsidiary in Kuwait, namely Kuwait & Middle East Financial Investment Company KMEFIC in March following intensive month assignment. The objective is to ensure solid risk management in full alignment to that of AUB group and the application of low risk investment strategy along with the provision of long term stable funding and liquidity. ABN AMRO BANK N.V., DUBAI, May till May Country Risk Officer CRO, United Arab Emirates & Middle East, February till May * Reporting to the Chief Risk Officer for Asia, managing senior members VP team and supervising consumer credit + members team, has Countrywide responsibility for Credit, Market, Operational & Country/CrossBorder Risks, including Financial Restructuring & Recovery FRR and provisioning across all business units, e.g. wholesale, consumer banking, treasury, financial institutions & public sector, working capital group, Private Banking and Diamond Desk. * Within delegated approval powers from Group Risk Management, Head Office, approves or rejects credit proposals submitted from Credit Portfolio Management team and Private Clients UAE. Said powers are individually/ eye principal exercised no Credit Committee. For relationships with exposures beyond local powers, CRO provides higher credit authority with his independent advice. * Monitor all control reports excess reports, exceptions, discrepant documents, overdue reviews, FX violations. * Contact official with the bank auditors, external lawyers & Central Bank officials. * Member of Country Management Committee, Assets/Liabilities Committee, Local Audit Committee, Liquidity Crisis Management Committee & Services Functions Platform. Deputy Chairman of Basle II steering committee, responsible for BII implementation in UAE across the bank in close coordination with Chief Financial Officer. Vice President, Credit Portfolio Management, UAE & Egypt, January January * Managing a team of member, had overall responsibility for the Industrials & Automotive portfolio of AA, UAE contributing % of the Wholesale Portfolio in terms of limits & outstanding obligations. * Responsible for all counterparty risks for the assigned portfolio, including credit & documentation risks. * Achieved CPM financial & nonfinancials targets and supported the achievement of Client BU financial objectives through joint origination of new borrowing relationships, restructuring existing relationship facilities, or soliciting new deals from existing clients. Responsible with the team members for timely preparation & submission of credit reviews, and deciding on relationship strategy, size of exposure and perfection of security documents. * Maintained / improved the credit portfolio quality and safeguarded the bank against credit losses by closely monitoring the development in industry & borrowers&; conditions, accounts conduct and proposing appropriate action plans. Assistant Vice President / Team Leader, Corporate Banking, May December * Managed a member team with prime responsibility for business development & risk assessment for a diversified portfolio comprising large local groups, large & medium sized firms engaged in trading & contracting activities with total commitments in excess of AED . billion. * Overall responsibility for financial targets, cross selling and housekeeping. Achieved superior results in terms of housekeeping clearing the inherited team&;s overdue reviews and discrepant documents and business developments onboarding new relationships & enhancing returns from existing clients. Achieved gross revenue growth of % for assigned portfolio, well above objectives. MASHREQBANK, HEAD OFFICE, DUBAI, November May Credit Manager, Commercial Banking Group, Head Office, Dubai * Handled a diversified portfolio comprising trading and contracting firms contracting portfolio was the largest in UAE with total commitments of USD billion, in addition to overseas branches Cairo, Alexandria, New York, London, khartoum, Nairobi. * Responsible for review & preparation of Credit Advice for proposals submitted for new and renewal of facilities. Decision on proposals is taken either within delegated approval powers or submitted to Credit Committee. * Overall responsibility for the assigned portfolio, including monitoring of utilisation, excesses, documentation perfection, and raising of early warning signals on deteriorating credits. ARAB BANK PLC, CAIRO, February November Manager, Corporate Banking Department, Cairo / Heliopolis Branches * Overall responsibility for diversified portfolio of + relationships with total commitments in excess of USD mln. * Responsible for the preparation and implementation of aggressive marketing plan aiming at positioning Arab Bank among the top industry players within a timeframe of years. * Contributed to the achievement of financial & nonfinancial objectives, including the improvement of credit presentations&; quality and human resources developments. * Formalised & implemented recovery plans for deteriorating & weak credits. SAUDI HOLLANDI BANK SHB, July January Relationship Manager, Corporate Banking Group CBG, Western Area WA, Jeddah * Joined SHB during critical management change period, was capable to achieve perfect housekeeping and discipline enforcement. Achieved financial objectives for assigned portfolio, including revenue growth of %. * Handled a portfolio comprising borrowing relationships, of which a conglomerate ranking among the top five commercial & industrial groups in Saudi Arabia. The Group represents several global "Bluechip" dealerships in Saudi Arabia supporting its activities and contributes % of CBG, WA gross income. SAUDI FRANSI BANK BSF, January May Assistant Manager, Remedial Department, Corporate Banking Group, Western Area, Jeddah * Responsible for a portfolio of different sized relationships with ambitious recovery targets. * Responsibilities included preparation of legal presentations, followup enforcement of judgements through the assistance of internal & external debt collectors, formalising of action plans & provisioning. Recovered / restructured % of assigned portfolio & achieved recovery objectives. ARAB BANK PLC, CAIRO BRANCHES, EGYPT, October December Throughout the nine years employment with Arab Bank in Egypt, was assigned various responsibilities in corporate banking & financial institutions. The career progress highlighted below demonstrates the strong achievements. * April December , Manager Corporate Banking, Mohandesseen Branch, Cairo * November February , Division Manager, Syndicated Loans & Financial Institutions, Regional Management, Cairo. * October November , Credit Analyst / Relationship Manager, Corporate Banking, Cairo Branch. IV. PROFESSIONAL QUALIFICATION / EDUCATION Educational Entity Name & Degree awarded Year Marks Remarks Faculty of Economics & Political Sciences, Cairo University, Masters degree in Economics Very Good Comprehensive thesis about corporate insolvency & remedial action See App. Faculty of Economics & Political Sciences, Cairo University, Bachelor&;s of economics Excellent Ranked st student in final year & was offered university post College de la Sainte Famille Jesuites, General Secondary Education Certificate % Literature section Ranked st student in final year & awarded diploma in French Language & Literature APPENDIX MASTER THESIS IN ECONOMICS INSOLVENCY PROBLEM OF INVESTMENT COMPANIES IN EGYPT ANALYTICAL STUDY The thesis is divided into main parts. The first part comprised the general guidelines of feasibility studies preparation e.g. market studies tools, investment cost, financing plans, financial analysis&; projections in addition to related topics cost of capital, optimum working capital management & projects management under uncertainty conditions. In the second part, a study of a insolvent companies&; sample was conducted by comparing the estimated targets set on their relative feasibility studies with actual results according to their B/S and P&L. Said companies represented various industries with special focus on manufacturing & services, as follows: a hospital & healthcare services, b shoes & leather products manufacturing, c industrial wood manufacturing, d cotton yarn spinning mill emphasizing on export markets, e garments production for local market, f steel structures production & contracting; and g rubber manufacturing. The objective here was to analyze the causes of insolvency of each project and to propose restructuring methods, emphasizing the link existing between these causes and the project&;s feasibility study. These causes of insolvency were analyzed and classified amongst the sample in the rd part. Restructuring tools were recommended at macro level to remedy the existing insolvent and recommendations were addressed to the new companies to avoid potential insolvency in future. APPENDIX TRAINING SEMINARS EXTENDED TRAINING COURSES * ABN AMRO GROUP RISK MANAGEMENT, HO, AMSTERDAM: intensive training, familiarisation & introduction to various counterparties for weeks FebApr . Worked with all industry desks of wholesale bank TMT, diversified industries, consumer products industries, automotive industries, worked with Financial Institutions & Public Sector Credit Risk, Private Clients Risk Management Dept., Country Risk Dept. and Environmental & Sustainable Business Advisory Group. Attended Group Risk Committee, the highest credit committee of ABN AMRO and participated in forum discussions related to Middle East deals. * ARAB BANK PLC TRAINING CENTRE, CAIRO: Comprehensive Credit Program Chase Manhattan Bank Credit Course, months February October twice a week. This program included the following: * Advanced financial accounting. * Industry analysis. * Chase Manhattan Bank lending rationales, namely assets conversion lending, assets protection lending and cash flow lending. * Trade finance products. * Syndicated loans and financial institutions lending. * Legal aspects of lending. * Treasury. OTHER TRAINING COURSES Training Program Conducted by A Technical Training * Credit Management Egyptian Banks Association * FX & Treasury Operations Arab Bank plc, Cairo * Advanced FX & Treasury Operations Arab Bank plc, Cairo * Commercial Products Marketing Arab Bank plc, Head Office, Amman * Trade Finance technicalities Arab Bank plc, Cairo * Remedial Management of Insolvent Companies Egyptian Banks Association * Advanced Credit Course condensed Chase Manhattan Credit Course Arab Bank plc, Head Office, Amman * Legal Aspects of Lending Arab Bank plc, Cairo * Corporate Finance Seminar Chemical Bank NY & Misr Iran Dev. Bank * Contractors Finance Mashreq Bank Training Centre * International Accounting Standards Technical Workshop IAS forum, Dubai * Risk Analysis for Lenders Workshop ABN AMRO Academy Amsterdam * Using capital market for client funding needs ABN AMRO Academy Amsterdam * Credit Structuring Objectives & Functions in the New World Capital Action ABN AMRO Academy Amsterdam * Deliver to win Followup on Credit Structuring Course Case Study ABN AMRO Academy Amsterdam * Early Warning Signals ABN AMRO Academy Amsterdam * Basle II workshop implementation across all Business Units ABN AMRO Academy Amsterdam * Basle II Conference global banks initiatives & local regulations Central Bank of UAE B Qualitative Development Courses * Staff Performance Evaluation Arab Bank plc, Head Office, Amman * Management & Supervising Skills TEAM Egypt * The Quality Advantage Workshop MashreqBank Training Centre * Management Skills Development MERCURI International

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