Moataz El Sharkawy

E-mail: adwifs@r.postjobfree.com

Cell: +1-613-***-****

Profile:

I am a talented and committed commercial banking relationship manager with 23 years of experience. Result oriented with excellent communication & organization skills. Demonstrate excellent business development techniques that helped my clients & society achieving their financial endeavors. leveraging my knowledge, financing and business development skills to enhance both my financial institution` Brand in the market & my corporate clients’ financial sustainability and growth.

Professional Experience:

General Manger- Commercial Banking Sector Nov 2021 – present

National Bank of Egypt. "NBE"

Head of a Commercial team with commercial portfolio (moderate to higher complexity)

Responsible for generating a sustainable profit contribution by managing staff and establishing and accomplishing business objectives through acquisition of new multinational & private Large Corporate customers.

Increasing management’s effectiveness by recruiting, training, coaching, counseling, and disciplining the staff; communicating values, strategies, and objectives; assigning accountabilities; planning, monitoring, and appraising results; developing incentives; cultivating a climate for offering information and opinions; and providing educational opportunities.

Ensuring proactive and appropriate relationship building/customer contact plans and pipeline management for new customers.

Generating assets through the use of appropriate risk management tools, priced appropriately for risk and returns and within customers’ risk appetite.

Reviewing credit facility/loan structure to ensure optimum balance between customer and NBE interests while remaining within the bounds of prudent banking.

Developing effective strategies to manage customer relationships, anticipate customer needs and provide a superior quality service to position NBE as the market leader in Multinational & private sectors.

Identifying opportunities for referrals to other Group Product and Service partners and Global Businesses, and ensure these are in line with identified needs and the customer's and NBE's risk appetite.

Keeping abreast of external factors influencing international business e.g. economic, cultural, geographical, procedural and regulatory requirements.

Establishing an effective working relationship with Risk Management teams, in order to validate the accuracy of the customer risk profile, and ensure sustainable asset growth.

Helping the customer to draw on the NBE group network by working closely with other countries and product groups.

Ensure early identification of problem relationships and take action where there are potential and existing problem accounts to protect NBE interests.

Establishing direct dialogue with senior team members on client treasury teams and maintain consistent interaction and dialog.

Group Head - Commercial Banking Nov 2019 – Oct. 2021.

Arab Bank, Egypt

Head of Large corporate team with diversified commercial portfolio worth of USD 600 Million.

Participated in setting the department’s budget and KPIs mirroring Bank’s goals, focus and targets.

Contributed to growing / elevating the brand and increased the Bank presence in the community.

Played the Key member of the commercial group & worked as needed with group members to support successful deal completion.

Monitored client, industries and regulatory bodies for potential changes that helped avoiding negative effect on the portfolio and assisted in exploring new business needs.

Partnered with my group to provide deal structuring expertise and negotiated transactions with clients.

Represented the clients in the bank & coordinated pricing & credit approval with internal authorities to credit concurrence.

Conducted regular performance review of existing commercial relationships.

Collaborated with the group’ team leaders for existing and prospects clients’ coverage in terms of identify opportunities, implementation & timely delivery.

Built effective relationships with decision makers and key influencers, whether from the client’s side or the bank’s stakeholders.

Simplified strategic problems, and analyzed data and information, provided insights and recommendations for my group.

Succeeded in growing the portfolio volume by 9% & 11% during 2020 & 2021 through acquisition of new relationships and provoking utilization and increasing facilities of existing relationships.

Helped to increase the portfolio’s profitability by 20% in 2021 by increasing the net interest income & commissions driven from trade finance and treasury products & cash management solution.

Led my team through implementing streamline communication specifically with credit risk, internal controls & Compliance departments that achieved significant decrease in the turnaround time and efficiently and effectively processed the credit applications.

Succeeded in maintaining the highest performing team in quantitative & qualitative aspect such- utilization percentage, profitability, ROA, RORC, product penetration per client & portfolio average risk rating “PD”,

Accomplished two task assigned by the top Management that helped boosting facility utilization level of the whole bank while achieving higher returns.

Played the 1st line of defense through adhering the credit policy, regulatory requirements, AML & KYC.

Strengthened my presence within the local business community by developing relationship with various centers of influence. Egyptian Business association, chamber of commerce, industries union & Industrial Development Agency.

Team Leader – Commercial Banking Feb 2010 – Nov 2019.

Arab Bank, Egypt

Manage a customer portfolio of moderate to higher complexity worth of USD 430 Million.

Led a commercial banking team to raise the bank's brand through acquisition of new commercial business relationship and developing existing commercial business relationship.

Served my team as a daily escalation resource using my deep expertise in products, Bank Systems, process & procedures ensuring the client expectations were met or exceeded.

Negotiated terms & conditions for granted loans, facility and cash management services, including loan / facility structure, prices, repayment schedule and facility tenor, collateral & securities needed.

Developed new commercial business relationships through contacting / visiting prospects clients, and by cross-selling Bank products and services that include loan / credit facility, trade finance, cash management solutions, & Investments.

Maintained a good working ecosystem with stakeholders to ensure clients’ full satisfaction.

Monitored and tracked the team performance, and addressed all issues in a timely manner.

Assisted my team in pre & after sales activities such, client research, prioritizing of prospect client, conducting clients’ calls and visits.

Participated in industry forums & business fairs and conferences to be acquainted with all industry trends that helped my team facilitating business solution to existing & prospect clients.

Reviewing and participating in due diligence and credit analysis on new and existing client relationships. including client visits, analysis of business models, and comprehensive review of industry trends and related regulations.

Performed an ongoing account management activities to avoid breaching of credit policies, financial covenants & regulatory instruction.

Reviewed Internal & external reports, provided recommendations to enhance my team sales & overall performance based on results and feedback.

Maintained regular personnel training throughout the team.

Headed the team responsible for implementing the European Investment Bank SME’s program in Egypt. The team succeeded to allocate the whole loan value worth of EUR 70 Million.

Corporate Officer – Commercial Banking May 2006 – Feb 2010.

Arab Bank, Egypt

Managed to expand the commercial portfolio and succeeded in retaining existing relationships that helped to increase sales, service, and profitability goals.

Acted as the clients’ sales focal point on related inquiries such as product information, pricing, implementation timeframes and requirements.

Conducted several annual & interim credit memorandums including industry & financial analyses. prepared financial models,

Structured new loan / Facility requests including debt sizing, pricing, terms, collaterals and securities requirements.

Analyzed clients’ financials and other related data to define the needs of the client for appropriate products and services structuring.

Coordinated closing with closing departments, clients, legal departments.

Followed- up closing deals & insuring all documentations are completed and filed.

Collected clients’ information & insured that clients’ profile were updated on the Bank internal system.

Exercised judgment to identify, diagnose, and solve problems within given rules.

Worked independently and regularly handled non-routine situations.

Branch Customer Service and Operation head Oct 2005 – May 2006

Arab African International Bank.

Branch Customer Service and Operation head March 2001 – Oct. 2006

United Bank of Egypt.

Education:

Bachelor of Commerce 1998 Ain Shams University, Egypt

Major Accounting.

Professional Development:

Arab Bank Unified Credit Course 2015 DC Gardner, Lebanon

Advanced Credit and Cash Flow Forecasting 2009 DC Gardner, Jordan

Infrastructural Project Finance & Syndication loans 2009 Egyptian Banking Institute, Egypt

Credit Certificate 2006 Egyptian Banking Institute, Egypt

Accredited by ACCET (Accrediting Council for Continuing Education and Training) in the USA and the Central Bank of Egypt).

Money laundry 1999 Egyptian Banking Institute, Egypt.

Feasibility Studies 1999 OUDA, Egypt.

Languages:

English: Fluent.

Arabic: Mother tongue.

Strong knowledge.

Commercial lending and deposit products and services, and customer profitability models.

small business products and services.

Financial statement analysis.

International Trade Finance products.

Securities (Money market products – Stocks - ETF’s- Bonds- Mutual Funds- F. Derivatives)

Microsoft Applications (outlook – word – Excel- power point- Access)

Core Banking system (AS400 -Flex Cube - Workflow)

Moody’s credit lens.

Online Banking modules (Cash Management - Trade finance portals.)

Currently preparing for the Canadian Security Course, Canada.

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