Merna Adel Riad is seeking a senior credit analyst position where she can use her education and experience. She has a B.Sc. in Commerce and Business Administration from Helwan University and is fluent in English and Arabic. Her current role as a senior credit risk analyst at AlexBank involves conducting credit reviews, assessing risks, and preparing credit packages. She has over 6 years of experience in credit analysis and reporting.

1. Merna Adel Riad
: +2 0122-493-3375
: mriad90@gmail.com
1 | P a g e
Objective
Seeking a senior credit analyst post in a multinational bank, where I can employ my education, experience,
technical and interpersonal skills, while having the opportunity to grow in my pursued career, and
continuously expand my knowledge and expertise in the field.
Education
 B.Sc. of Commerce & Business Administration, 2010 (English Section)- Helwan University.
Major: Accounting
Grade: Good
 El Ma’aref El Haditha language School.
Work Experience
 Large Corporate Senior Credit Risk Analyst – AlexBank (Intesa San Paolo Group): August, 2012 – Present
Role Involves:
- Conducting quantitative and qualitative credit reviews including financial models (re-spreading,
valuating and forecasting) to determine credit eligibility and ensure full understanding of client
business and assess business and market risks to ensure optimum balance between customer and
bank’s interest.
- Reviewing the assigned accounts renewals as well as requests for new facilities and restructuring of
existing facilities through conducting proper risk assessment analysis guided by the bank’s policy and
CBE regulations while ensuring that the company’s credit exposure is within risk bearing limits.
- Preparing the full facilities renewal credit package to be presented to the Credit Committee.
- Guiding, supporting and negotiating the proposed facilities structure with the Corporate Banking
department Managers to seek better financing alternatives in terms of risk and practicality.
- Handling the facilities above EUR 10Mln with the mother company (Intesa san paolo –Milan) through
responding to their inquiries and negotiating the facilities structure and amounts until obtaining the
final approval.
- Managing the credit portfolio log to ensure keeping track of every existing facility and to allow the
management to have a high level view of the bank’s corporate portfolio.

2. Merna Adel Riad
: +2 0122-493-3375
: mriad90@gmail.com
2 | P a g e
 Credit Reporting – Alex Bank (Intesa San Paolo Group): December, 2010 – August, 2012
Role involved:
- Extract data from “Finacle System” at the end of each month.
- Calculating the provisions for all clients (Corporate, SME, Very Small Business and Retail).
- Prepare for the AQS Committee (Asset Quality session).
- Preparing monthly, quarterly and annual reports to be presented in the board meeting.
 Receptionist -Semiramis Intercontinental Cairo Hotel: July, 2010 – September 2010
Internships
 2006, 2007 and 2008 (summer training): Worked in Accounting department for Semiramis Intercontinental
Cairo Hotel;
 August 2008 (summer training) at Customer service of Credit Agricole Bank.
Courses
 Credit Certificate – January 2013 (Certificate from Egyptian Banking Institute );
 Communication Skills – June 2015 (Certificate from Dale Carnegie Training)
Languages
 Arabic – Mother Tongue
 English – Fluent (Spoken and Written)
Other Qualifications
 Strong analytical and quantitative skills.
 Strong knowledge of Excel Modeling.
 Ability to work independently.
 Problem-solving oriented.
 Team spirited with a strong work ethic.
 Ability to professionally and effectively present information and respond to questions from all levels of
management
Personal Information
 Nationality: Egyptian
 Date of Birth: 06-02-1989
 Marital Status: Married
References
Furnished Upon Request