Mohamed Abdelghaffar Soliman is seeking a position as a credit analyst where he can utilize his 8 years of experience in credit analysis and portfolio management. He has worked at Banque du Caire since 2013 as an SME credit analyst and previously as a retail collection officer. He holds a Bachelor's degree in Accounting and Finance from Cairo University as well as several banking certificates. He is proficient in Arabic, English, and Korean and has strong analytical, communication, and problem-solving skills.

1. Contact Details
Mohamed Abdelghaffar Soliman
Address: : 78 Gamal Abd El Naser St, Hadayek, Helwan – Egypt
Phone Number : +202 23707882 +201223072809 +201060279826
Email: m.abdelghaffar1987@gmail.com
Objective
• A challenging position in a bank , where my knowledge and experience will be
utilized fully for attaining the goals of the bank and in return I would be
benefited with self-development and enriched with more skills and experience. I
SEEK to utilize my skills by working as a Credit Analyst
Educational Qualifications
• University Degree : Good
• University : Cairo university
• Faculty : Commerce and Business Administration
• Major : Accounting and Finance
• Graduation year : May 2009
Job Experience
• Job Description : SME’s Credit Analyst
• Employer : Banque du Caire
• Hiring Date : Jan 2013 to Present
• Duties :
o Analyses small and medium enterprises’ financials referred from the
Relationship managers to identify the customer needs and offer them the
suitable facilities.
o Builds financial models by presenting quality financial analysis and write-ups
for annual reviews and memos incorporating all risks with strict adherence to
CBE and CPG rules for the annual reviews of the existing clients and new
commitments to renew packages.
o Effective monitors the expiry and renewals of granted facilities to ensure
finalizing the required approvals before the target date.
o Monitors the facility utilization to ensure that it is within approved limit and
structure and ensure prompt settlement of dues.
o Maintains high quality of analysis by reviewing the approval rate of cases
submitted to risk department and ensures they comply to the agreed upon
rates.
o Follows the day-to-day operations related to the SME’s department to ensure
continuity of work.
o Accurate filling and carefully maintaining bank data, documents and forms in
an efficient and timely manner according to bank’s procedure.
o Follows all relevant department policies, processes, standard operating
procedures and instructions so that work is carried out in a controlled and
consistent manner.
o Complies with all relevant CBE regulations, banking laws, AML regulations
and internal BDC policies and code of conduct in order to maintain BDC’s
sound legal position and mitigate any potential risks.
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2. • Job Description : Retail Collection and Recovery Officer
• Employer : Banque du Caire
• Hiring Date : Feb 2011 to Dec 2012
• Duties :
o Collecting overdue and over limit amounts from delinquent customer who
failed to meet due dates to minimize delinquency and control flow through
into higher buckets.
o Achieve and maintain productivity / effectiveness for optimal performance.
o Abide by policies and procedures and legal requirements.
o Provide feedback for enhancement to Finne one and GCS Collection systems.
o Prepare MIS report for total retail portfolio.
o Make recommendation to retail risk department for the activation of
delinquent credit cards.
o Follow up with bank branches the process of delinquent secured credit cards
payments.
• Job Description : Team Leader
• Employer : Etisalat ( DQ Project )
• Hiring Date : August 2009 to Dec 2010
• Duties :
o Working as a team leader for business and data solutions for different
customers and companies.
- Finding out means to solve customers' problems and insisting to use different
methods to impress such clients via offering them total and complete services
with the desired highest quality
Certificates
• The Credit Certificate at The Egyptian Banking Institute Accredited by ACCET
• Duration (May/2013 – Feb/2014): 8 months
• The training covered the following:
o Accounting
o Economics and Industry Analysis
o Financial Statements Analysis
o Lending Rationales
o Cash Flow Statement Mechanics and Analysis
o Cash Flow Projections
o Trade Finance
o Corporate Finance and Valuation
o Facility Structure
o Credit Administration and Banking Investigation
o Risk Rating (Obligor Risk Rating)
o Legal Aspects
o Non-performing Loans
o The Basel II and III
o Report Writing
• SMEs Finance at Egyptian Banking Institute-Central Bank Of Egypt at
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3. • Duration (August/2014 – August/2014): 15 days
• The training covered the following:
• Credit facilities Control and Follow-up at The Arab Academy For Banking &
Financial Sciences Accredited by AAFM & CCFB
• Duration (May/2014 – May/2014): 10 days
• The training covered the following:
o The full process of credit control and follow-up.
• Credit and Banking finance Legal Aspects at The Egyptian Banking Institute
Accredited by ACCET
• Duration (July/2015 – July/2015): 7 days
• The training covered the following:
o Credit banking concept.
o Credit decision criteria.
o Credit banking policies and CBE regulations.
• Retail Collection and Remedial course at The Egyptian Banking Institute
Accredited by ACCET
• Duration (October/2011 – October/2011): 10 days
• The training covered the following:
o Retail delinquent portfolio classification.
o Retail collection and recovery procedures.
o Dealing with external agencies.
o Enhancing employees’ capacity.
• Investment and Commercial Banks diploma at The American University in
Cairo (AUC)
• Duration (October/2012 – April/2013): 7 months
• The training covered the following:
o Investment and Commercial banks role in financing companies.
o Banking operations.
o Experience a real life banking environment.
o Financial analysis.
• Strategic Leadership at The Canadian Training Center of Human Development Inc.
• Duration (April/2010 – April/2010): 1 day
• The training covered the following:
o Personal and professional skills for successful leadership.
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4. o Human development and its importance.
o Effective communication in the relationship between leader and his
subordinates.
o The importance of discovering your power.
Internship Experience
• IBM’s Edu Egypt Certification:- English Language, Soft Skills, Culture and Data
Skills - sponsored by the Government of Egypt from July/2008 to August/2009.
Languages
• Arabic Native Language
• English Very Good in professional and social environment.
• Korean : Good
Computer Skills
• Computer Skills: Very Good
• Microsoft Office : Word, Excel, PowerPoint, Outlook, Windows and Internet
Browsing
Relevant Skills
• Excellent mathematical and logical reasoning skills
• Ability to handle multiple-tasks
• A Team Player
• Dealing with different kinds of customers and handling their needs successfully &
cheerfully
• Ability to analyze and solve problems
• Strong communication and presentation skills
• Appreciate responsibility and aspire to learn more about various fields of
interests
• Familiar to working under pressure
• Very good MS Office skills (Word, PowerPoint and Excel).
• Excellent command of spoken and written English
Personal Information
• Date of Birth: 23/01/1987
• Marital Status: Married.
• Nationality: Egyptian.
• Military Status: Exempted.
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