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Ahmed Elsayed Abdel Aziz Morsy
Jeddah – Saudi Arabia
Mobile KSA: (+966) 530737638, Mobile Egypt :(+202) 01067045048
E-mail: ahmed_abdelaziz2004@yahoo.com
OBJECTIVE
Seeking a position in a reputable & pioneer institution to participate in its progress and
leadership to utilize around 18 years of experience in corporate banking sectors.
WORK EXPERIENCE
April 2014 to present
Corporate Banking Group – National Commercial Bank
Job Title: Corporate Relationship Manager – Corporate Banking Division– Western Region.
My duties include:
 Handling portfolio of corporate relationship with turnover between SAR 100 MM up to SAR
800 MM in various sectors (Trading, Manufacturing, Contracting). My current corporate
portfolio is between SAR 750 MM to SAR 800 MM.
 Reviewing ORR, Target Market, Risk Acceptance Criteria.
 Engagement with Risk and external clients to assess and assist in structuring transactions,
credit proposals, borrowing base, corporate loans.
 Ongoing, monitoring, maintenance and management of a portfolio of loans.
 Interpreting credit policies & procedures and incorporating requirements into credit analysis
and lending recommendations.
 Assume lead role in preparation and input of credit papers and internal representation of
transactions to the Bank’s key stakeholders, senior management and Credit Approvers.
 Liaise with internal and external legal to assist with the negotiation and documentation of
facility terms.
 Identify and assist with the marketing of opportunities.
 Post deal portfolio maintenance – liaise and build strong relationships with back office and
middle office Assist with ongoing preparation and accuracy of management reporting.
Oct 2007 to April 2014
Corporate Banking Group – National Commercial Bank
Job Title: Credit Analysis Senior Officer – Corporate Banking Division – Western Region.
My duties include:
 Evaluating and assessing the credit quality of corporate customers in terms of financial and
business risks. This included analysis, interpretation of Financial Statements using the
industry/sector, analyzing of projection and sensitivity analysis scenarios.
 Co-ordinate with Senior Management in the preparation of Target Market/Risk Acceptance
Criteria.
 Pro-active participation in screening the list of prospective customers and performing
customers calls.

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 Ensuring that the Bank Credit Risk Management policies, standards, financial covenants are
adhered to by the RM and being made in line with Bank’s Lending Policy and NCB
regulations.
 Conducts stress test of Corp Credit applications submitted to the Credit Committee in order to
identify the risks involved in each proposition with respect to Bank’s policy & NCB
regulations.
 Identify and recommend ways of mitigating Financial Risks related to Problem Credits.
 Reviews exceptional reports i.e., past dues and excess over limits to identify potentially
problematic advances and follow up with RM to adopt timely measures.
 Identifies & recommends classification of slow moving and stuck-up accounts as per the
criteria laid down by NCB.
 Providing on the job training to the junior RM & credit analyst in advanced Financial Analysis.
 Member of CAMS (Credit Application Management system) redesigning project representing
corporate banking group.
 Helping the internal audit team to conduct an audit check as “guest examiner” on FRD
(Financial Restructuring Division), which was nominated by the Corporate head.
December 2004 -Oct 2007
Corporate Banking Sector - Banque Misr.
Loan Remedial & Private Investment
Job Title: Senior Corporate Banker
My duties include:
 Conducting meeting and negotiation with the remedial cases to reach to acceptable and applicable
settlement.
 Sharing in Remedial problems of Loan cases & financial restructure and adding my comment.
 Suggesting the restrictions, the factors, that leads to increase the profitability of the portfolio and
the efficiency of managing the portfolio via building new relationship.
 Shared in settling remedial cases in private sectors (tourism, food industries) passed an amount
of EP 190 MM.
May 2003-December 2004
Corporate Banking Sector - Banque Misr.
Job Title: Senior Corporate Banker - Cairo State Division.
My duties include :
 Supervising and coaching for 3 of Assistant RM with portfolio of EP 1.1 Billion.
 Responsible for assuring quality of credit portfolio and ensuring that the proposal is correct
complete and consistent with the banks established lending policies and procedure and meet the
banking lending criteria.
 Reviewing the credit memorandum and commenting on them, suggesting the corporate client
requirement after evaluating the risk, the financial needs, financial analysis, analyzing credit
information of current and potential borrowers.
 Executing the market plan in the targeted corporate sectors (petroleum, tourism, manufacturing,
trading, telecommunication, construction).

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September 1997 – May/2003
Banque Misr - Overseas Branch – Corporate Dept.
Job Title: Credit Analyst / Assistant Relationship Manager
My duties include :
 In the field of Corporate Banking (studying the short and long term finance decision &
determining the financial needs, credit worthiness by using : financial analysis , asset
conversion cycle analysis , cash flow lending & other methods of credit risk analysis).
 Analyzing credit information of current and potential borrowers; determining the advisability
of granting credit for diversified types of loans, analyzing assets in the preparation of credit
packages.
 Assisting in building portfolios of corporate relationship in various sectors.
 Executing the credit facilities terms & procedure for the corporate clients by communicating
with other department in the bank (Trade Service Center, Legal Affairs departments,
International operation).
 Dealing with various types of collateral and mortgage.
 Managing the execution of the documentation.
 Site visit for corporate banking clients.
 Management of syndication loans.
 Sharing in tackling Non Performing Loan cases & financial restructure.
 Sharing in executing the market plan for targeted corporate client.
 Preparing CBE monthly reports and follow-up reports to head
EDUCATION
2005
 Registered as : Certified lender Business Banking (CLBB) at the Institute of Certified
Bankers in USA (ICB) / American Bankers Association (ABA) .
2001-2003
 Diploma in “financial Services” at Egyptian Banking Institute in cooperation with Scotland
Bankers Institute (U. K) - May2003
1992-1996
B.Sc. in Business Administration
Higher Technological Institute ( H.T.I.) 10th
Ramadan city
Grade : Very good with honor
Graduation year : August - 1996
B.Sc. project grade : Excellent
B.Sc. project subject : Economic feasibility study in the Packaging industries fields.

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PROFESSIONAL & PC SKILLS
Good command of operating systems: Credit Banking Programs; MIS.
Perfect command of MS Office Packages
Cash flow modeling, financial analysis, cross sell, corporate relationship management.
LANGUAGES
Arabic: Mother tongue
English: Excellent command of English Language written and spoken.
Perfect communication skills
TRAINING
 Credit Risk Analysis Program (Operational Unit for Development Assistant OUDA - Ministry of
Foreign Affairs - Cairo).
 The management of collection and problem loans ( American bankers institute – with
cooperate with The Arab academy for banking and financial sciences )
 Risk Management (Banque Misr -Training Centre).
 Letter of credit & letter of guarantee (Egyptian Banking Institute).
 External operations (Egyptian Banking Institute).
 Syndication loans (Egyptian Banking Institute).
 Evaluate of feasibility studies for finance (Egyptian Banking Institute).
 Financing by (BOT – BOOT) (Egyptian Banking Institute).
 Derivatives (Egyptian Banking Institute).
 Retail banking (Egyptian Banking Institute).
 Business Report Writing (American university in Cairo).
 Basel II (Alahli Training Centre - Jeddah).
 Project Management (Alahli Training Centre - Jeddah).
 Contractor finance. (Alahli Training Centre - Jeddah).
 Principle of “Sharee’ah “ (Institute of bankers -Riyadh ).
 Basics of Islamic finance “ (Alahli Training Centre - Jeddah).
 Advance Islamic Finance (Alahli Training Centre - Jeddah).
 International Trade Finance (Alahli Training Centre - Jeddah).
PERSONAL INFORMATION
Birth of date : 24 – May - 1974
Address in Egypt: Cairo; El-Rehab city-group7
Marital Status : Married (have two children).
Nationality : Egyptian.
Working visa : transferrable working visa.
REFERENCES
To be furnished upon request