Ola Osama Mohamed Sayed Ahmed

52 Dr.Badawy Street –behind El Zohour Club.

New Cairo

 01224700050  [email protected]

Objective

I am a proactive, motivated individual, looking for a position where I can make a positive
contribution and would ideally like to work for a company that has an inclusive
environment where employee have the opportunity to contribute to the growth and
success of the organization

Working Experience from 2008 till present in banking field (12 years)

 Deputy head of operation in Egypt factors company (Financial

Institution) from July 2019 to present.

 Job description: -

 Check and authorize all the operations, collections and loans transactions.
 Authorize setting limits and pricing according to credit approval.
 Controlling credit limit of facilities as per credit memos& approvals.
 Reviewing & authorize terms and condition and pricing as per approval and making sure that credit
facilities are in line with the approvals.
 Managing and keeping the originals of all securities obtained from the customers verifying their
authenticity with the credit approvals and follow up their renewals.
 Calculating client’s utilization condition & making sure it is satisfying without any excess.
 Checking all client collaterals documents and authorize it on system.
 To assure that clients documents are maintained, valid and renewed annually.
 Preparing reports for the ERMC committee including clients with irregularities which are reported
to the operational risk department sorted by RM (corporate relationship manager) to be able to
work out those deficiencies and regularize the accounts. These reports are helping our top
management to take the right decision.
 Preparing the required daily, monthly, quarterly reports related to top management.
 Ensure that systems and procedures are followed for operational activities.
 Ensure compliance with operational activities as laid out in the operations procedure manual.
 Ensure compliance with regulatory and safety standards of documents.
 Ensure compliance with FCI rules for international factoring.
 Ensure proper interaction with internal departments like legal, treasury, customer services,
finance. Etc. on an ongoing basis for operations related activities.
 Strive towards minimizing the cost and loss.
 To assure that clients documents are maintained, valid and renewed annually.
  Deputy head of Credit Admin Control (Credit & Risk group) in
Arab banking cooperation (ABC Bank) from September 2016 to
June 2019.

 Job description: -

 Controlling & following up on the daily operational relation with corporate clients. Taking the
necessary approvals before any disbursement.
 Applying and checking the limits and pricing on the system as per approvals. Amending any
changes in limits and pricing.
 Reviewing all terms and condition as per approval and making sure that credit facilities are in line
with the approvals.
 Responsible for reviewing & check securities & borrowing documents against granted
facilities as per approvals.
 Managing and keeping the originals of all securities obtained from the customers verifying their
authenticity with the credit approvals and follow up their renewals.
 Register the borrowing documents delivered to our dept. from corporate & Remedial
divisions or legal
 Preparing the required daily, monthly, quarterly reports related to HO or CBE
 Being an Operational risk delegate and handling their tasks
 Ensuring compliance with CBE guidelines.
 Achieving new projects/tasks assigned by my direct manager.
 Handling the corporates’ portfolios, it is day to day operations, monitoring utilization under
facilities accounts and ensuring that all necessary approvals are obtained within the credit policy
before any disbursement. Due diligence is done before any Utilization by requesting the
supporting documents to review the transaction and ensure that it is abiding by the terms f the
credit approval.
 Checking and reviewing the corporates’ limits. Applying the limits on the system and frequent
follow up to ensure that limits are in line with the approval by preparing the undrawn report on a
monthly basis.
 Checking the pricing of OVDs and loans on the system on a monthly basis. to ensure that interest is
applied as per approval. Amending any change in pricing after taking the necessary approvals .
Reviewing and applying the stamp duty and HDBC (if required) on loans.
 Helping in management’s correct decision in due time which might be taken regards corporate
clients by submitting /escalating the Early Warning report which including all approval terms
& conditions for all financial and non financial covenants to the top management including all
accounts irregularities.
 Following up on the investigation reports and sending monthly emails to the investigation
department to track the investigation reports that exceeded 6 months. Also, updating the credit
review and the direct manager with any concerns in the investigation report by preparing the
‘Early warning report”.
 Preparing the “excess and past dues” report on monthly and weekly basis to ensure that clients
are regularly paying their dues in due dates. Following up with the clients with past dues till full
settlement using regular and irregular follow ups till full settlement through sending email to the
corporate department.
 Preparing monthly HO reports coordinating with different departments such retail credit, and
remedial to consolidate their data and reviewing the figures with the finance department to
ensure that figures are matching.
 Being a champion for the operational risk department and handling the following tasks:

 Properly implementing all OR Action Plans.

 Actively participating in setting & reporting of global and local KRIs and controlling \
monitoring their breaches (if any). Local KRIs are set according to the department’s areas of
 concern and reported monthly that highlights different risks in the department and help us find
out ways to minimize them.
 Preparing reports for the RCC committee including clients with irregularities which are reported to
the operational risk department sorted by RM (corporate relationship manager) to be able to work
out those deficiencies and regularize the accounts. These reports are helping our top management
to take the right decision.
 Achieving new projects / requests, or any other assignments related to the Group, that are
assigned by my direct supervisor.
 Ensuring our compliance with CBE regulations and guidelines.
 Responsible for maintaining securities files & safe custody, handing the safe box password
and modifying the safe box password in cases of annual leave.
 Updating my direct supervisor on any deviations, so that the corrective action, might be taken
where appropriate.
 Conducting tests and requirements related to IT when required to achieve the department needs.
Coordinating with the IT department to customize reports that help in the preparation of the
needed reports.
 Maker for the CBE data on CBE screens.

 Operation Branch Manager in Arab banking cooperation from

Jan 2016

 Job description: -

 Ensure control over cash area and back office.

 Responsible for the Vault's cash balance and the demand of supplying cash from the Treasury
Group & Central Vault Head.
 Coordinate with Treasury Group to get the approval upon buying / selling foreign currencies and
to be informed with exchange rates.
 Give authorization to cash withdrawals and encashment of checks.
 Manage all ATM assignments i.e. checking balances, feeding cash, solving related problems in
coordination with the IT or NCR, …. etc.
 Grant approval to cash checks for other branches
 Handle Auditor's & Daily Reviewers comments to overcome any problem and to take corrective
actions whenever needed
 evaluate and monitor expenses and approve expenses within assignment approval power
 Periodically review of all operational issue and ensure compliance to procedures.
 Control inventory at the end of the year i.e. fixed assets, fiscal stamps, and financial papers…. etc.
 Ensure service Excellency.
 Get all required approval for external outgoing funds (regional approval - compliance - treasury)
 following up on dormant accounts
 Review, sign and stamp form 4 documentation
 Follow up on trade finance transaction due date.
 follow up on advanced payment against trade transaction and make sure to collect the document
accordance to client deceleration
 responsible for branch AML activities and reports
 Responsible for approval of subscription or redemption Ics for both mutual funds of I-cpro system
 Responsible for approval for E. finance program (taxes - customs - university tuition)
 Responsible for approval all net symbols transaction (internal transfer - payment order - pension
And salaries - buying and selling currencies
 Responsible for reviewing and singing all transaction of back office and teller batches
 Responsible for the end of year process in accordance with the related parties (external Auditors,
Finance Department & the Branch Manager)
 Train new hires either in Back Office or in Cash Area.
 Prepare a smooth succession plan with reasonable time frame
 Have authorized signature to sign inside bank or outside bank
  Inventory custody for blank draft cheque - blank l/g paper - blank form 4 paper)
 Responsible for the monthly review checklist related to Back Office & Cash Area

 Operation Back Office in Arab banking cooperation from Jan

2014

 Job description: -

 Internal transfer
 Outgoing transfer local and foreign currency with consumed CBE limitation
 Issuing form 4
 Issuing letter of guarantee
 Issuing letter of credit
 Receive documentary collection & handle it
 Settlement branch GLs
 Preparing central bank of Egypt reports
 Branch compliance officer
 Issuing draft and certified checks
 Responsible for payrolls
 Receive checks stop payments requests
 Execute standing instructions (internal transfer, outgoing transfer ….etc.)
 Calculate the stamp duty for loans& issue draft cheque
 Send monthly settlement letters between branches & departments
 Responsible for closing EOY balance sheet
 Monitoring irregular accounts.
 Preparing daily FX report for all branches reporting to CBE

 Head teller in Arab banking cooperation from Nov 2009

 Job description: -

 Cash deposit
 Cash deposit in foreign currency to be deposited in EGP or USD accounts
 Visa cash deposit
 Checks deposit
 ABC checks deposit
 Clearing checks deposit
 Collection checks deposit
 Checks paid cash
 Withdrawals tickets
 Money exchange
 Traveler checks
 Internal transfer
 Manager and certified checks
 Bank draft
 Replacement for cash head during his leave.
 Sending and received shipment’s from and to the branch
 Posting/Preparing checks for collection and send them to Check Processing Center.
 Writing the cashbook daily as per opening and closing vault tickets to inventory the main vault.
 Check the client position to hold commission for return chq.
 Serve customers' requests received over the counter.
 Provide high quality of customer service and following bank policies and procedures.
 Spot & act on all cross-selling opportunities to achieve referral targets.
  Handling cash shipments during the day under dual control with operation head.
 Verifying internal/external signatures according to set limits.
 Obtaining approvals from Treasury for FX over limits deal.
 Functioning as a backup for the operations head in monitoring compliance regulations and
controlling all activities over the counter that falls under compliance restrictions.

 Piraeus Bank in Egypt from Mar 2008 till September2009

 Customer Care Officer from mar 2008 to June 2008

 Performs and execute all types of financial transactions for all customers and ensure efficient and
high quality for delivering the service.
 Assuring that the department’s plan is followed
 Ensures the adherence Central Bank local requirements and standard
 Operating procedures.
 Opening account.

 Tellers’ Procedures from June 2008 to September 2009.

 Accepting cash deposits.

 Withdrawals from Customers Accounts.
 Money Exchange.
 Serve customers' requests received over the counter
 Manager and certified checks
 Replacement for cash head during his leave.
 Posting/Preparing checks for collection and send them to Check Processing Center.
 Cash deposit in foreign currency to be deposited in EGP or USD accounts

Education

 May 2002:
High school graduation at the Misr el Gededa el Namozagia (Heliopolis).

 May 2006:
BC of commerce (Accounting department) at Ain shams university.
Graduation Grade : Good
4th Year Graduation : Good
Final Project : Good

Language Skills
 Arabic: Native
 English: Very good (written and spoken)

Computer Skills
 Excellent Software/Hardware installation and maintenance.
 Excellent usage of Operating Systems: Windows NT/98/2000/Me/XP and Microsoft
Office.
 Web design
 Html, dream weaver
 Web develop
  SQL server 2005, visual basic6
 Photo shop
 Flash

Courses &Training
 June 2006 Travco Travel company of Egypt
 July 2005 Arab Banking Corporation acting as a customer service Officer at
Zamalek branch handling the customer's inquiries on their accounts.
 August 2004 Arab Banking Corporation.
 August 2005 Arab African International bank in maadi branch
 English language course Elementary 3 in September 2003 with grade Excellent,
International British Institute
 English language course Elementary stage level 203 – fall 2004 with grade Excellent,
THE AMERICAN UNIVERSITY IN CAIRO
 SQL Server 2005 core with grade Excellent, YAT Education Center
 English language course in AUC 2013
 English language course in British council2014
 ICDL certificate from Yat education center in 2013
 English course for six months at Berlitz institution in 2014
 Digital marketing diploma in YAT education center in 2014
 English language course in British council l2016

Banking courses
-Trade Finance ( lc's , fidbc's & lg's ) -liability product
-Compliance financial security, fraud & fides -Coaching & training
-Forgery Detection and Prevention -Security and network
-Customer service excellence. -Documentary collection
-Corporate and Sme's -Fraud detection and prevention
-"Clearing house" course at EBI Egyptian Banking Institute. -legal aspects
-Awareness sessions for the bank operation -flex cube
-Course in title of "The latest instructions after the new commercial law in Bills & Check rules" at EBI
(Egyptian Banking Institute).
-Awareness sessions operational risk -Anti Money Laundry.
-Universal super teller -super universal teller
-Payment services -basic trade finance
-Anti money laundry -pc security
-Compliance in retail banking -liability product
-Taken course in protocol and etiquette at academic center of Excellency Middle East.
- Risk Base Audit

Personal skills

 Creative, self-motivated, enthusiastic, reliable, dynamice and hard working.

 Ability to work effectively under pressure.
 Ability to learn new tasks quickly.
 Conducted meeting and work discussion.
 Good at meeting deadlines.
 Professional appearance and high professional standard.
 Good communication skill.
 Strong communication, analytical, problem solving, and decision making skills to effectively uncover
and resolve complex customer and employee issues
  Excellent interpersonal & customer services skills, attentiveness, information retention, tact and
diplomacy in dealing with both customer and employee
 Strong supervisory and leadership skills required to manage, motivate, and develop branch
employee required
 Proven success in customer service and in the development of strong customer relationships.
 Self-starter, ability to work independently.
 Detail oriented, strong organizational skills, and high degree of accuracy.

Personal Data
 Nationality : Egyptian.
 Date of Birth : 7th of November 1985.
 Place of Birth : Cairo – Egypt.
 Social state : Married.
 Gender : Female

Reference

TO BE Furnished Upon Request