Ihab Ahmed Emam has over 20 years of experience in banking. He currently works as a Team Leader at Commercial International Bank in Egypt, where he is responsible for coaching, training, and process improvement. Previously, he held manager roles at United Bank and CIB, where he implemented new systems and centralized various departments. Emam has a Bachelor's in Commerce from Cairo University and an MBA in Finance and Banking from the Arab Academy. He is proficient in English and seeks a challenging position utilizing his experience.

1. Ihab Ahmed Emam
6 Zohier Sabry St.
1 st District – Nasr City
002 24018727 - 002 33472393
010 1004445
Ihabemam44@yahoo.com
Objectives
A challenging position in a multinational company or a well - established bank where my
experience & skills can help in achieving the organization objectives.
Professional Experience
Commercial International Bank (CIB) – Egypt
From Mar 2010 till the present time
Best achievements:
- Set up the T-24 system for corporate loans from business prospective at CIB
- Create a job description for corporate loans processing at CIB
- Create the SOP manual procedures for corporate loans processing
- Create the SOP manual procedures & job description to credit administration
- Create the SOP manual procedures & job description to warehouse goods
- Set up the TI for centralized LGs & LCs from business prospective at The united Bank
- Create a job description for centralized LGs & LCs & IDCs at United Bank
- Create the SOP manual procedures according to new system & job description for the
centralized trade finance.
- Creating a new system for the postdated checks guaranteed loans.
Team Leader
Head Corporate & syndicated and retail
Loans & Securities – Credit Administration
Responsible for:
 Responsible for coaching ,training, motivating , problem solving for all
corporate loans operation
 The SOP Manuals & its updated
 Following up the SLA with its related departments.
 Managing and controlling the process of new products.
 Ensure the integrity of all financial transactions in line with policies and
procedures
 Controlling over the daily transactions and assign tasks to reporters according to
issues priorities
 Managing reporting of credit facilities to internal & external concerned parties
 Ensuring the compliance of all credit and investment facilities as per the credit
policy guide and central bank.

2.  Ensuring smooth flow of the credit package between concerned area ,solving
problems ,clarifying CPG & IPG requirements and finding alternatives for
quick utilization of facilities according to terms of the credit approval memo .
 Supporting and security documents checking.
 MIS through statistical and discrepancy reports.
 Following up on past due credit package and target dates and expired
documents.
 Ensuring that packages and memos are concurred by operation area in timely
manner to complete the approved process.
 Ensuring that supported documents are approved and in place before
activation .
 Managing the loans proofs accounting
 Implement approved department policies ,processes, and procedures and
monitors adherence so that work is carried out in a controlled manner
 Complies with all relevant CBE ,regulations, banking laws, AML regulations and
internal CIB policies and code of conduct in order to maintain CIB’s sound legal
position and mitigate any potential risks
 Participates in the formulation and implementation of the Corporate &
Syndication and Retail Loans Operations Department strategy to ensure the
alignment with CIB strategy
 Participates and recommends improvements to policies, processes and
procedures and manages their implementation to ensure all relevant
procedural / legislative requirements are fulfilled
 Supervises the day to day operations of Corporate & Syndicated Loans
Processing Unit providing some guidance in the related area, encouraging
teamwork and facilitating related professional work processes in order to achieve
high performance standards
 Supervises the activities and work of subordinates to ensure that all work within
a specific area is carried out in an efficient manner and in compliance with the
set policies, processes and procedures
 Ensures compliance with all relevant CBE regulations, banking laws, AML
regulations and internal CIB policies and code of conduct in order to maintain
CIB’s sound legal position and mitigate any potential risks
 Controlling over the CBE reports
 Implement the new system T-24 according to our business requirement and
from our business prospective.
The United Bank
From May, 08 till Mar ,2010
Manager - Trade Finance Department
Responsible for:
 Responsible for implementing centralization for the trade finance department.
 Training all staff to work on Trade innovation system (TI)

3.  Built the hierarchy in the central trade finance department
 Transfer the experience to the head of the departments
Commercial International Bank (CIB) – Egypt, Cairo
From Oct, 1991 till May, 2008
Senior Associate - Retail & Branches Group
Deputy Branch Head (El Shams Branch)
From Oct 2006 till May2008
• El Shams branch one of the branches classified A-grade
• Prepare our business plan with high management for the next period
• Following up with my staff to achieve our plan
• Weekly reports to compare actual achievements virus the plan
• Monthly analysis of branch position (assets – Liabilities) and profitability
(income – expenses).
• Weekly meeting with zone head to review all the zone's achievements
• Weekly meeting with all staff to discuss any problems during the week
and correct any deviation.
• Monitoring and controlling inter-bank's accounts.
• Monitoring anti money laundry report.
• Managing and controlling staff to achieve superior quality services.
Associate - Risk Exposure Management
From Oct 2004 till Oct 2006
Responsible for Complying & implementing Basel Agreement (Operational Risk)
1. Operational Risk Compliance, Monitoring and Control
2. CIB’s Contingency Plan creation and Monitoring
3. Reading the Basel II documents (Operational Risk), set the frame work and
collect the needed information from all the operation departments across the
bank.
4. Study the need for Software to monitor the operational risk, according to the set
framework.
5. Undertaking of monitoring and controlling the Operational Risk
Supervisor - Trade Finance (Centralized Loans)
Authorized signature for the Following:
- Analyzing CAM (Credit Approval Memo )& implementing it for all operations
area.
- Controlling monthly interest calculation
- Handling the customer’s documentation and following up the expired
documentation.
- Creating a documentation system for follow up of the documentation on hand
expired and needed documents.
- Granting loans for credit customer ( Corporate & Retail Loans ) and controlling
means of booking and payment of loans
- Supervision reports to head office
- Supervision reports to Central Bank of Egypt (C.B.E).
- Handling and processing problems related to Loans transaction
- Warehouse Goods Dep.

4. - Controlling open and closed customer’s warehouses.
- Following up and controlling storage period and expired goods.
- Creating a new system for controlling over the goods movements
- Calculating the monthly observation and withdrawal commission
- Following up pricing of goods and visiting warehouses to check the system of the
registration monthly.
- LG’s Dep.
- Issuing different type of letter of guarantees
- Extensions and cancellations of L/G’s
- Handling and processing problems related to L/G’s transaction
- Controlling over the cash collateral AC
- Controlling over the contingent ACs
- LC’s Dep.
- Issuing IDC ( incoming documents for collection )
- Payment of different sight & time IDC & avalized IDC
- Issuing letters of credit
- Payment and acceptance of LC’s
- Endorsement of documents
- Issuing marine guarantees
- Different LC’s
- Handling different situations of LC’s
- Controlling over the cash collateral AC
- Controlling over the contingent ACs
- Bills Dep.
- Post dated checks and trade bills
- Tellers Area
- Deposits , withdrawal , selling travelers checks
- Handling all customer transaction for American Embassy mini branch including
customer services and money transfer process.
Auditor at Hazem Hassan
[From July 89 to May 90]
Auditor at central organization of accounting
[From May 90 to Oct 91]
Computer skills
• Introduction to data processing system
• Windows
• Microsoft words
• Microsoft excel
• Microsoft access
• Lotus 123

5. Education
MBA - Major Finance and Banking (April 2001)
Arab Academy for science & technology & marine transport with coordination with
Michigan University
Bachelor of commerce – 1989
Faculty of commerce – Cairo University
(Accounting Department)
Certificate of English language from the British Council
Languages
English {excellent}
Arabic {mother tongue}
Personal data
Date of birth: Mar 20, 1969
Nationality: Egyptian
Marital status: Married
Military services: Fully exempted
MBA Subjects (as per attached):
 Economic
 Accounting
 Marketing
 Finance
 Corporate Finance
 Financial Institution
 International finance
 Bank management
 Investment
 Organization Behavior
 Personal selling

6. Education
MBA - Major Finance and Banking (April 2001)
Arab Academy for science & technology & marine transport with coordination with
Michigan University
Bachelor of commerce – 1989
Faculty of commerce – Cairo University
(Accounting Department)
Certificate of English language from the British Council
Languages
English {excellent}
Arabic {mother tongue}
Personal data
Date of birth: Mar 20, 1969
Nationality: Egyptian
Marital status: Married
Military services: Fully exempted
MBA Subjects (as per attached):
 Economic
 Accounting
 Marketing
 Finance
 Corporate Finance
 Financial Institution
 International finance
 Bank management
 Investment
 Organization Behavior
 Personal selling