Moustafa Mohamed Bayoumi is a credit manager with over 15 years of experience in banking. He has held several roles managing sales, marketing, and operations at major banks in Egypt and Qatar. Bayoumi has a track record of identifying growth opportunities and building highly motivated teams. He holds a BA in accounting from Alexandria University and postgraduate diplomas in business administration and SME credit.

1. Moustafa Mohamed Bayoumi
421, El Horreya Ave., Rouchdy
Alexandria, Egypt.
+97477017639
(+2) (03)-5462351 - (+2) (010) 1619271
bayoumi_1971@yahoo.com
bayoumi_1971@hotmail.com
bayoumi1971@gmail.com
Professional Profile:
 Credit Manager with more than 15 years of experience in the banking sector
managing sales, marketing and operations.
 Leader with motivational management style and reputation for building and
retaining highly motivated sales teams, distributor networks, and
manufacturers’ representatives.
 Results-oriented achiever with excellent track record for identifying
opportunities for accelerated growth.
 Extensive marketing capabilities for both start-up and established SME and
corporate companies.
Education:
1993 BA Faculty of Commerce
Accounting Department, Alexandria University.
Grade: Good
1988 Thanawia Ama, College Saint Marc School.

2. Work Experience:
I. Qatar Development Bank:
June 2012 Head Of Collection & Remedial
Duties include same for Qatar Islamic Bank especially for SME’s and Corporate
companies.
II. Qatar Islamic Bank”QIB”:
November 2009 Corporate Remedial Manager Risk support
Duties Include:
- Identify measure and monitor the Corporate and SME
portfolios for Collections & Recoveries and ensure
minimizing losses and maximize Bank’s revenue.
- Identify measure and monitor the portfolio for Collections
and Recovery and to draw up a comprehensive action plan
for covering SME & Corporate problem portfolio for
optimum result.
- Prepare, review & draft all documents related to
Department’s day-to-day operations. And ensure system,
policy & procedures are adhered to and continuously
updated to meet all bank’s requirement and to ensure that it
is well communicated to all staff.
- Prepare a detailed File Note /proposals / restructuring
facilities with financial analysis for each non-performing
account. Thereafter will be update on a regular basis with
the latest information/updates
- Prepare remedial proposals/memos for management
information/approval. Thereafter, to ensure proper
documentation as per approval are maintained and lodged
in safe custody as appropriate.
- Draft memos/letters to respective Lawyers/Legal
firms/Police/Courts/Institution for various actions and to
closely follow up with them.
- Coordinate with the Bank’s/External Legal Consultants and
ensure that the cases are closely followed up in a timely
manner and are well documented giving a detailed
background.
- Coordinate with Government/Semi Govt
Departments/Regulatory bodies (including Central Bank
Inspectors)/Police/CID in respect of various
enquiries/documentation.

3. III. Audi Bank “Egypt”
December 2008 Credit Manager Alexandria & Delta Zone
Duties Include:
- Responsibilities for preparing credit proposal memos.
- Conducts market researches to build sector know-how.
- Assist in preparing marketing researches regarding the business
sector/sub-sector as a step in indentifying targeted clients.
- Addresses existing and marketing credit clients (medium &
large accounts).
- Supervises & ensures the correct & accurate conduct of job
responsibilities assigned to analysis/ senior analysts.
- Provides on-the-job training for senior credit analysts & credit
analysts.
- Supervises a minimum of one sector.
III-Ahli United Bank “Egypt”
April 2008 Assistant Manager SME’s banking,
Team leader (outside greater Cairo).
IV. Commercial International Bank Egypt S.A.E
August 2005
March 2008 Senior Credit Analyst, SME Banking Group
Duties Include:
- Attracting new SME credit customers and general
administration of already established accounts through
following-up daily transactions with other operational
departments.
- Cross sell other bank’s products (Retail, consumer and
individual loans).
- Relationship management, follow up calls to the customers,
monitor accounts utilization, profitability, regular interest and
commission payment and any past dues. Monitor the
customer’s aggregate position provided by the Central Bank
of Egypt reflecting the customer’s total borrowings from all
the Egyptian Banks, as this could indicate an early warning
signal.

4. - Prepare monthly positions and loan loss reports for
outstanding credit facilities to assure adequate support of
bank’s exposure.
- Writing memos and preparing quarterly needed reports for
senior committees to follow up on latest achievements and
acquire their approval for proposed facilities.
Feb. 01-Sept. 04 Deputy Branch manager (Smouha Branch) &
Head of “Heya ladies Business Club Dept
Duties Include:
 Marketing for Heya product through telemarketing and outdoors
calls
 Preparing monthly statements for branch customers.
 Preparing daily, weekly, monthly & quarterly reports.
 Member in Retail Development Committee assigned to:
- Setting strategies and analysis for all retail business
- Measuring customer satisfaction.
- Issuing performance reports to discuss with top management.
- Working in coordination with the credit department to approve
granting loans and setting interest rates.
- Fix estimated targets reflected from studding the overall market
circumstances.
- Organize meetings with prime customers to discuss their point
of view concerning service satisfaction
 Marketing Team Leader (Smouha Branch)
- Sales and marketing for all retail products (Indoors & outdoors
calls)
- Handling staff loans
- Handling customer complaints
- Handling credit cards (Visa & Master“Classic, Golden &
Electronic” as well as Diners Club Cards)
- Commercial International Life Insurance Company (CIL)
May 95-Feb.01 Accounting Department Sultan Hussein Branch
Duties Include:
 Reconciliation:
Matching inter-branch swings entries with each other, also
matching bank’s entries with local & foreign correspondent
banks.
 Interest control:

5. - Amendment of overdraft lines, rates & expired dates, as
well adjusting interest calculation for back value entries.
- Controlling minimum balances, rates and adjustments of
local & foreign savings accounts.
- Preparing past due report for overdraft accounts for more
than 30 days.
 General Accounting:
Preparing all financial control reports for Alex branches &
Tanta branch reports as follows:
- Monthly performance report stating average balances for
assets & Liabilities.
- Profit & loss report.
- Central Bank of Egypt reports.
- Controlling fixed assets monthly premium & accumulated
depreciation.
- Daily control over balance sheet switched balances &
suspense accounts.
- Daily control over currencies position.
 Payments:
- Controlling and executing payments & operating expenses
of Alex branches.
- Calculating value added taxes & preparing the related
schedules for tax Authority.
V. Petroleum Projects Company (PETROJET)
1993-1995 Accountant – Financial Control Dept.
Duties Include:
 Controlling and executing payments & operating
expenses.
 Revision the financial status of the contracts.
Courses:
Dec. 2005 – Mar. 2006 Diploma in SMEs Credit
Arab Academy for Banking and Financial Sciences.
May2005-Nov.2005 Certified Credit Analyst Course
Commercial International Bank
Courses Included:
 Lending Rationale: (Asset Conversion/ Asset Protection
Lending).
 Fundamental/ Financial Statements Analysis.
 Cash Flow Lending:(Mechanics/ Projections/ Analysis)
 Credit Cases & Legal Aspects.
 Trade Finance.
 Project Finance.

6. Oct. 1998 - Dec.99. Post Graduate Diploma from Arab Academy for Science
and Technology, Business Administration
On the Job Training:
•1 Companies’ floatation, CIB
•1 Operation training (customer service), CIB Head
office
•2 Forgery and falsification course (CIB Head office)
•3 Insurance training, CIL
•4 Selling skills and banking, (A.U.C)
•5 Selling credit cards, Diners club international, Visa,
Master (CIB Head office)
•6 Selling Visa & Master cards (CIB Head office)
•7 Sales and marketing & communication skills
(A.U.C)
Miscellaneous Information:
Personal Activities Reading, Jogging, Listening to music& Practicing Sport.
Computer Skills: Very Good experience in computerized spreads, Microsoft
Word, Excel, Power Point and Internet.
Language Skills: Fluent in Arabic, English and French both written and
spoken
Fair German both written and spoken
Personal Data:
Date of Birth : December 21st
, 1971
Residence : Alexandria
Nationality : Egyptian
Marital Status : Married
Military Status : Fully Exempted
References: Furnished upon request.
Personal Profile: A confident, ambitious, hard working, problem solver with the
ability to deal with new situations & to work as an effective
team member as well as having negotiation skills.