1. ١
Mahmoud Tarek El Nahal
(Credit Certificate)
Address 1, Yusuf Othman st; El Haram, Giza, Egypt
Telephone (02)35869827
Mobile 01003737734
Email mahmoud.elnahal@hotmail.com
______________________________________________________________
Profile An English speaking certified corporate credit analyst with
more than 4 years' experience in corporate finance and risk
managing a portfolio of diversified multinational and local
corporations.
Work Experience Banque Du Caire/ Head Office
(July 2015 to present) - Corporate Credit analyst
(Enterprises banking division – Multinational Corporations & Mid Caps)
Job responsibilities
 Manages a portfolio of corporations with limits of 240 MN EGP
working in different economic sectors such IT, textile, Plastic,
Whole sellers, Medicine and auto finance with medium to large
scale as well as local and multinational scope.
 Preparing whole credit proposals to determine the degree of risk
involved in extending credit with all related activities including
spreads and FSA, industry analysis, SWOT analysis and
recommending the facility structure to be granted to the customer
based on the study
 Using e-spreading Moody's system to generate financial ratios
used in preparing credit memo. As well as generating Obligor risk
rating
 Negotiating and discussing with risk department and lending
committees in order to obtain required approvals
 Managing customers daily transactions, past dues management,
following up for utilization of limits and negotiation with risk
department and lending committees to obtain required approvals
and facilitate ongoing transactions
 Doing calls to potential customers to discuss their needs and
negotiate the ideal facility structure
 Contacting clients for collection of needed documents and
information
 Preparing response reports to both bank's inspection notification
as well as the CBE's notifications regarding my portfolio.
(Jun 2012-June 2015) - Corporate Credit analyst / (Enterprises banking division - Mid Caps)
Job responsibilities
 Analyzing credit data and financial statements to determine the
degree of risk involved in extending credit and customers'
financial status.

2. ٢
 Preparing credit proposals and all related activities including
spreads, contacting clients for collection of documents and
information.
 Acting as a surrogate for the RM on a constant basis including
daily transactions, past dues management and general
management of account
 Managing the portfolio by ensuring execution of documentations
and follow up for utilization of limits.
 Using e-spreading Moody's system to generate financial ratios
used in preparing credit memo.
 Negotiating and discussing with risk officers in order to reach to
the best credit package for both the bank and the client.
 Preparing response reports to both bank's inspection notification
as well as the CBE's notifications regarding my portfolio
 Managed a portfolio of about 150 M L.E. with enterprises working
in different economic sectors .
(Mar 2011-Jun 2012) - Retail collection and remedial officer
Job responsibilities
 Making reminding calls for delinquent
customers differing according to their buckets
and products
 Recommending whether to reactivate credit
cards or not based on the client's commitment
history
 Linking customers' accounts with their credit
cards to allow the direct debit to clear
installments
 Has worked in Auto loans and credit card
products
Summer training
(Jun 2006 - Jul 2006)
Technical analyst /NAEEM HOLDING - Cairo
 Doing technical analysis for stocks in the
Egyptian Stock Exchange,
 Using technical tools and reports to maximize
profits and minimize
 Losses of our clients depending on market
conditions and their financial positions
Certificates At The Egyptian Banking Institute (EBI)
 Banking Credit & Credit Risk Management (credit certificate) -
Accredited by ACCET USA
 Financing SMEs
Banking courses At The Egyptian Banking Institute (EBI)
 Analyses of credit risk including balance
sheet analyses, financial ratios and cash flow
formation.
 Effect of accounting for financial tools on the
decisions of bank's board
 Basel 3 course
 Banking compliance

3. ٣
 Counterfeiting and forgery discovery course
 Operational risk course
 Anti-money laundering course (advanced)
 Banking law course
 Customer service course
Education *BSc Economics Faculty of economics and political science, Cairo University
2006 -2010
* Grade is (very good with honor)
*Courses included a deep study of current national and international economic
system, microeconomics, macroeconomics, finance, trade
And firms' law, feasibility studies, international trade, economic development.
And graduation project was "The causes of the international food crisis (2007-
2008) focusing on the cause of increased demand on Biofuel"
- From primary to secondary in (Orouba language school)/Dokki
- Grade of general secondary certificate is 99.1%
- Rank: 32 on the state level
Courses
 Succeeded in the first level of technical analysis program at
(Trend).
 Rank: 17th over 700 scholars. Grade: excellent
 Qualified to the professional level of the Technical analysis
training program at (ESTA)
 Attended at Beltone forum " A technical view for the Egyptian and
Arab capital markets" at which Mr. Ayman Waked and Mr. Omar
Shams have lectured
 Workshop on intercultural understanding sponsored by: The
center of European studies and the Austrian cultural forum
 Completed Excel course at New Horizons Centre
Key Skills English is fluent
French is fair
Excellent computing skills
Excellent telephone manner and customer care skills
High level of literacy and numeracy
Technical Technology Last Used
Experience Macro and microeconomics courses Current
Feasibility studies course within the last year
Firms and NGOs Management courses within the last year
Banking and credit courses Less than 3 years
Additional Skills
 Analytical skills
 Patience
 Good listener
 Communication skills
 Fast learner
 Having deep understanding of economics and finance
 Sense of leadership with clear view.

4. ٤
Personal info Date of Birth: 21 January 1989
Marital Status: Married
Military status: exempted
Dependents: one
Nationality: Egyptian
Driving License: Yes
References Available on request