Curriculum Vitae - 1 -

Ayman Mohamed AL-Nakib +971-502299898 – 00968-92267778 AYMAN_ALNAKIB@HOTMAIL.COM

Objective A seasoned financial analyst with 5.5 years of banking experience under belt as a business banking Relationship manager, looking for a challenging job opening in leading bank where I can utilize my strong credit and business knowledge and experience enabling me to benefit the organisation along with enhancing my skills.

Work Experience:

Sr Relationship Officer: Business Banking Union National Bank- Dubai Since 31/08/2016

Tasked with Managing SME portfolio of business banking clients, directly managing and coaching credit analysts and relationship officers.

Manage the existing loan portfolio to ensure establishment of appropriate account plans, recommend credit facilities in line with Bank credit policy to maximize earnings while containing risks to an acceptable level

Preparation, review and finalisation of credit proposals, acquiring quality clients on board, solicit acceptable new relationships to meet the pre-set financial and non-financial objectives.

Ensure compliance to Know Your Customer (KYC) and Anti Money laundering (AML) requirements in all dealings with existing and potential customers.

Complete management and ownership of client relationship management, looking after new acquisition of Business Banking (SME) clients, evaluation of financials, preparation of credit approval memos, review with credit managers for underwriting, setting up limits with coordination from central operations.

Relationship Manager "Business Banking Abu Dhabi Islamic Bank – based in Dubai, since 14/9/2015

End to end client relationship management, establish new borrowing relationships for Business Banking (SME), preparing the required credit and financial analysis, negotiating with underwriters for limits approvals, coordinating with operations for limit disbursals as per the bank policies and procedures to enhance the bank’s market share

Taking care of limit enhancements, renewals, follow up for recovery of dues in the existing commercial portfolio, gathering information that is needed to prepare and assess credit applications to meet customer expectations, spread and analyse financial statements, preparation of credit application, documentation & post-sanction monitoring through periodic account review/renewal.

Maintain a high standard of operational control including adherence to Risk Management and Compliance guidelines, implement and maintain complete control aspects i.e. Analysis of statements of accounts, documentation, and periodical client visits call reports.

Handling Day to Day client operations (Murabaha, LC's, LG's), in addition to monitoring all client’s accounts to insure timely payment of clients instalments without delay and insure the client meets approved covenants and conditions.

Mentoring junior members of the team.

Curriculum Vitae - 2 -

Relationship officer in QNB group- Egypt, SME's since 7.02.2013

Attracting SME clients & marketing SME products.

Handling relationships with the smaller and less complex accounts assigned by head of corporate credit, maintaining and developing cross-selling transactions through cultivation of account relationships.

Maintaining personal contacts with company executives through business calls and appropriate relationships, developing new business from prospective customers through the utilization of all services of the bank and augmenting services in the ones already established.

Performing daily credit services to assigned accounts, including: a. Authorizing payment on overdrafts for accounts referred to by the operations group, this includes

contacting the clients to secure better cooperation in using the credit. b. Authorizing payments on checks and funds transfer with insufficient balance or other conditions

within established policies and procedures. c. Reviewing critical transactions and follow-up movements of funds on credit accounts. d. Answering questions raised by customers and operations staff.

Compiling and analysing financial statements, judging outstanding credit and requirements of customers, preparing various kinds of credit proposals, and providing expert technical advice.

Reviewing and maintaining credit files systematically, including loan documentation, agreements, commitments, historical data, financial statements, memoranda, supporting documents, IDs, investigation reports, correspondence, news clippings, and other miscellaneous forms. Maintaining index of files for ready access.

Assisting on larger accounts at the instructions of relationship manager, assembling credit investigations and competitive reports required by credit studies.

Preparing Central Bank returns, statistics, and periodic reports (such as provisions, overruns) Keeping knowledge of trends in the assigned industries and markets, Ensuring the correct functioning and

implementation of the Permanent Supervision, Compliance and Money Laundering, Operational Risk, and Workplace Success Guidelines whenever and wherever possible.

Counter Officer (Cash Operations) in Societe Generale Bank, Egypt, since 22.05.2011.

Interacting with Customers and solving issues.

Distributing Cash in Teller Counter.

Disbursing various kinds of cheques.

Presenting various banking products to customers.

Oct 2009 – Dec 2010, Engineering Division (Computer Section) EGYPTIAN army service

Training:

Summer Training in OMAN ARAB BANK in Customer Service Aug 10– Sept 10, 2008

Summer Training in TALAL ABU GHAZALAH (Oman), for Auditing Services Feb 5-Mar 5, 2006

Curriculum Vitae - 3 -

Related courses:

Course name Date

Certificate obtained from: From To

The Basics of Capital Market 26/3/2007 29/3/2007 Cairo and Alexandria Stock

Exchanges

The Banking Operations (Graduates Program)

5/7/2009 27/7/2009 Central Bank of Egypt

(Egyptian Banking Institute)

Retail Credit Management 24/9/2011 1/10/2011 Central Bank of Egypt

(Egyptian Banking Institute)

Credit Certificate (Corporate) 20/11/2011 25/5/2012 Central Bank of Egypt

(Egyptian Banking Institute)

SME's Practical Financing Issues 26/5/2013 30/5/2013 Egypt Banks' Union

Credit 1,2 and 3 Moody's

Personal Information: Nationality : Egyptian Date of Birth : 01 Jan, 1989 Marital Status : Single Military Status : Completed in 1/12/2010 Passport Details : Passport No. A05396933 Valid till 9/10/2018 License : Holds Valid Omani and UAE Driving License

Education:

Bachelor of Commerce and Business Administration Major Accounting (English Section) Helwan University (Egypt). Graduated (June 2009). Grade: Good.

IGCSE Certificate (Graduated June 2005) University of Cambridge (UK)

Languages:

Arabic: Mother tongue.

English: Professional level in both written and spoken.