Ayman Refaat El-Far is seeking a challenging career with a leading regional bank. He has over 13 years of experience in corporate banking and financial analysis. Currently he is a senior relationship manager at National Bank of Abu Dhabi in Kuwait, where he manages a portfolio of $200 million and refers large business opportunities. Previously he held positions at Gulf Bank and Commercial International Bank in Egypt, where he analyzed industries, negotiated loans, and managed corporate client relationships.

1. Ayman Refaat El-Far
Current Address: Baghdad Street, Salmiya, Block # 9, Jawhara Tower # 3, Apt. # 312, Kuwait
Mobile: +965 – 97313755 / Telephone: +965 – 25735714 / E-mail: aymanelfar@gmail.com
OBJECTIVE
Dynamic, self motivated, goal oriented individual with good analytical, presentation, communication and interpersonal skills. Thirteen years of financial
analysis experience in Corporate Banking in addition to Central Operation. Seeking a challenging and promising career with a leading regional bank in
the area of finance offering an opportunity for growth and development where academic background and work experience can be put to optimum use.
WORK EXPERIENCE
Jun. 2007 – Present National Bank of Abu Dhabi – Kuwait (www.nbad.com)
U.A.E. leading financial institution. rated senior long term/short term A+/A-1 by Standard and Poors, Aa3/P1 by
Moody’s and AA-/F1+ by Fitch giving one of the strongest combined ratings of any Middle Eastern financial institution.
NBAD - Kuwait Branch commenced its operations during October 2006.
Senior Relationship Manager (Unit Head) – Corporate Banking Group
Reporting to Kuwait Branch Head of Corporate & Regional Manager;
 Responsible to offer diverse financial services and solutions, to operational institutions, real estate companies, investment
companies, high net worth investors as well as referring businesses to the bank’s different departments & Regional
Branches Network.
 Responsible for a team of 3 credit certified officers as well as an administrative assistant.
 Managing a portfolio for around KWD 200 Million, achieved a growth of 50% in assets as of 2009 year end.
 Initiated contact with several new clients (locally & regionally), resulting in facilities for KWD 45 Million.
 Participated in increasing the branch total liabilities by KWD 76 Million (New Fixed Deposit & Free Funds).
 Referred USD 425 Million worth cases to the Head Office Corporate Banking Group.
 Referred an USD 125 Million worth case to NBAD new Islamic Arm.
 Referred an AED 120 Million worth case to the Corporate Banking Group in NBAD – Dubai.
 Enhance the bank’s profitability in terms of capturing new promising business opportunities and maximizing returns
from existing relationships.
 Planning for budgeting for growth and recommending strategies for the corporate relationships.
 Training and managing the work flow among the team members.
 Direct supervision of junior level staff members.
Gulf Bank – Kuwait (www.gulfbank.com.kw)
Nov. 2005 – Jun. 2007
Kuwait’s second largest commercial bank. Rated Aa3/Stable for long-term foreign currency deposit by Moody’s Investors
Service on November 9th 2006. Fitch Ratings has upgraded Gulf Bank’s Issuer Default Rating (IDR) from A-/Stable to
A/Stable on November 22nd 2006.
Executive Manager (Senior Relationship Manager) – Corporate Banking Group
Member of the Financial Markets division;
 Responsible to offer diverse financial services and solutions, to real estate companies, investment companies, Islamic
institutions, high net worth investors and margin trading.
 Managing a portfolio amounting to KWD 125 Million, achieved a growth of 30% in assets and 20% growth in net
profit contribution.
 Enhance the bank’s profitability in terms of capturing new promising business opportunities and maximizing returns
from existing relationships.
 Planning for budgeting for growth and recommending strategies for the corporate relationships.
Oct. 1997 – Nov. 2005 Commercial International Bank S.A.E. – Giza, Egypt (www.cibeg.com)
Rated BB+/Stable/B by Standard and Poors on March 15th 2005. Largest private sector bank in Egypt in terms of
assets, highest in terms of profitability. Voted “Best Bank in Emerging Markets” by several prominent banking reviews.
Assistant Manager – Corporate Banking Group (Aug. 2004 – Nov. 2005)
 Responsible for the Food, Agri-business & Poultry Industries with a portfolio amounting to EGP 800 Million,
achieved a growth of 12% in assets and 10% growth in net profit contribution.
 Referred an EGP 330 Million worth case to the Syndication Team and finalized the Corporate banking participation
for EGP 180 Million.
 Participated and finalized a three party leasing agreement worth EGP 100 Million.
 Initiated contact with a new client, resulting in facilities for EGP 4O Million.
 Study the relevant industries and assess market conditions.

2.  Enhance the bank’s profitability in terms of capturing new promising business opportunities and maximizing returns
from existing relationships.
 Planning for budgeting for growth and recommending strategies for the corporate relationships.
 Follow up with clients with respect to compliance to facility limits and timely payment of loans and follow up on any
alarms that might be raised in the course of assessing the company’s credibility.
 Training and managing the work flow among the team members.
 Negotiating pricing, documentation, collateral and support package.
 Direct supervision of junior level staff members.
Senior Credit Analyst – Corporate Banking Group (Feb. 2000 – Jul. 2004)
 Responsible for the Food, Agri-business & Poultry Industries with a portfolio amounting to EGP 500 Million during
the period from Jan. 2003 till Jul. 2004.
 Initiated contact with a new client, resulting in facilities worth EGP 30 Million.
 Managed trade finance transactions under the United Nations “Oil for Food Program” worth EGP 100 Million.
 Settling a bad debt worth US$ 14 Million.
 Responsible for the Textile team and Plastic Team during the period from Jul. 2002 till Dec. 2002.
 Responsible for the Tourism Team during the period from Feb. 2000 till Jun. 2002.
 Conducing in-depth financial analysis on the macro and micro level including company visits, management interviews,
visiting industry experts and forecasting.
 Designing and recommending financial packages to clients including cash management, debt raising, export finance, FX
deals and others.
 Handling documentation and legal procedures related to facilities and loans.
 Presenting credit recommendations to the appropriate approving body.
 Quantitative and qualitative analyses of accounts handled, industry assessment, reporting Bank position and presenting
it to the Bank’s senior management.
Credit Analyst (Mar. 1999 – Jan. 2000)
 Attended the Chase CIB Credit / Investment Course.
The bank selected 27 of its employees to attend exclusive nine month course, followed by three months online training. The
course is a local adaptation of the Chase Manhattan Training Program. The curriculum covers the following: Accounting,
risk analysis, financial statement analysis, cash flow mechanics, lending rational, trade finance, legal issues, dealing room
functions and investment valuations. The course included on the job training and case studies as well as comprehensive
examinations and an integrated industry study.
Clerk – Teller & Customer Service Department (Oct. 1997 – Feb. 1999)
EDUCATION
July 1997 Ain-Shams University, Faculty of Commerce – Cairo, Egypt
 Major : Accounting
Course work include: financial accounting, cost accounting, management accounting, marketing, economics, statistics, finance,
Money & Banking, human resources.
Cumulative Score: (Good)
June 1993 College De La Salle, Frere Daher – Cairo, Egypt
Secondary School
 Major : Science
Score: 74 %
TRAINING AND AWARDS
October 2004 Structured Finance Training - instructed by DC Gardner Training Services
September 2004 Sales & Negotiation Skills Course - instructed by DC Gardner Training Services
August 2003 Professional Development Skills – attended at the American University in Cairo
July 2003 Sales and Negotiation Skills Course – instructed by Quest
October 2001 Communication Skills Course - attended at the American University in Cairo
Mar 1999 – Feb. 2000 The Chase CIB Credit / Investment Course – attended at CIB Training Center
July / August 1996 Trainee in the Credit Department – National Bank of Egypt, Heliopolis Branch
January 1992 Awarded an International Certificate in Languages (Alliance Francaise) – Score: Good
MEMBERSHIP & PARTICIPATION IN SOCIETIES
January 2004 - present

3. Member of The National Democratic Party (Egypt), www.ndp.org.eg
February ‘02 - present Member of Chase & CIB Credit Course Club (The 5Cs), www.the5cs.com
EXTRA ACTIVITIES & HOBBIES
Reading , Drawing & Traveling
Tennis, Ping-Pong, Soccer & Volley Ball
LANGUAGES, COMPUTER SKILLS and OTHER
Fluent in Arabic (native language), French and English
Excellent command of Microsoft Windows, Microsoft Office and other professional software.
Personal Data Date of Birth: January 14th 1974
Nationality: Egyptian
Marital Status: Married
Military Status: Already performed my due military service
REFERENCES & CREDENTIALS
Furnished upon request