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mahmoud aboraya

Alexandria, Alexandria Governorate, Egypt
December 25, 2018

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Mahmoud Abdelfattah Aboraya

(** Year's Banking Experience)


Mobile no : +201*********

Address: *** ***** *********** **** ****** ALEXANDRIA


Master's Degree : Masters of Business Admin – Major in Finance and Banking

Arab Academy for Science & Technology, from 2009 until 2012.

University Degree : Bachelor’s Degree Faculty of Commerce – Major in English Accounting

Version, Alexandria Egypt from 2003 until 2007.

Diploma : Modern Accounting & Train of Trainers


Position : Credit Risk Assessor from 2008 – Until June 2018

Company : The National Bank of Egypt (Alexandria)

Started as Universal Teller, Customer Service Officer and Promoted from 2013 up to date as Credit Risk Assessor Officer

Duties & Responsibilities:

●Reviews all the retail credit products personal loans,credit cards, car loans, overdraft loans to ensure if they meet the banking procedures so that give the final decision about lending or not.

●Determine the risk of default to the bank or lender

●Providing high quality risk management services to all the banks retail lending products.

● Ensuring adherence to risk policy and procedures the main responsibility of the role is on assessment for retail lending applications.

●Controlling the work flows; ensuring even distribution of incoming work and ensuring that the correct reporting and monitoring is in place.

● Ensure that all lending decisions made comply with business personal sector policy guidelines and advances procedures in line with the retail credit risk governance manual.

● Ensure timely and effective turnaround time for applications submitted by branches sales force.

●Sample the portfolio of assessors to ensure compliance with policies procedures.

● Escalate all appeals from branches or sales that may require override of either policy or the scorecard.

●Act as a guide and support to branches and business line matters relating to credit risk within retail.

●Cascade and coach team for risk assessors on any changes on credit risk control and assessment processes to ensure fit for purpose and meets the business needs; May contribute to projects specified by the credit risk strategy in conjunction with change delivery partners; and Contribute to establishing controls to assess accuracy of decisions and detect breaches in errors along with establishment of preventive and corrective actions

Key Competencies

Experience of working to tight deadlines with limited resources.

Highly organized, proactive, hardworking, focused, & have attention to detail.

Experience in managing large quantities of data.

Strong awareness of banking sector.

Strong numerical ability

Good listening and communication skills

Customer service orientation

Accuracy and attention to detail

Problem Solving

Honesty and integrity

Stress Tolerance


Computer Skills

Computer Literate MS Office, Word, Excel, Power Point, Publisher, Outlook, Internet,


Nationality : Egyptian

Marital Status : Single

Date of Birth : July 21 1986

Work Experience : 10 Years

Language : Arabic and English

This is to certify that the above information is true and correct Mahmoud Abdel Fattah Aboraya

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