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Accomplished Senior Banker & Finance Professional bringing 22  years of banking work experience & solid academic knowledge , throughout  my career I have been effectively leading several branches/regions & divisions in 3 leading financial Institutions (Commercial Int'l Bank- CIB /Egypt-Cairo ,  Ahli Bank -ABQ/ Qatar- Doha Head Office  & Union National Bank (UNB)- Islamic Banking Group – UAE/Abu Dhabi. My experiences covers  the areas of Distribution & Branch Banking , Banking Operations, Islamic Banking,Retail /SME (Business,Credit & ops) ,Credit Review,Business Development, Operational Excellence & Operational Risk,KYC- AML /Regulatory Compliance , Policies , Procedures &  Internal Controls .

I am enjoying  a diversified exposure to the Egyptian, Qatari & UAE markets & banking sector

Work History

Apr 2015Present

AVP & Manager - Head Office & Abu Dhabi

Union National Bank(UNB)-UAE/ Islamic Banking Group

Leading  both the business development & operational /Service aspects of business units under management and looking after a portfolio of Shaira'a compliant Finance (Retail finance , Home Mortgage finance & SME finances ), leading the business & operations  teams towards  achieving the targeted operational & service excellence objectives & achieving business development objectives / bottom line profits.

My scope of responsibilities covers Abu Dhabi Region & includes       1)leadership Responsibilities 2) Business Development & Credit       Responsibilities  3) Operational & Service Responsibilities 

1) Leadership Responsibilities 

  • Ensure staff awareness  of the targeted objectives and setting proper plans to achieve those targets .
  • Participate in budgetary activities 
  • Participate in Manpower planning according to financial & non financial objectives .  
  • Ensure smooth & efficient day to day transactions processing and may suggest enhancements to the current procedures to improve efficiency & TAT
  • Ensure achieving ongoing projects according to the set target dates.
  • Handles and resolves operational,credit and marketing issues across cross-functional lines within the division & other departments to ensure smooth operational flow
  • People Management & setting individual objectives to the teams & proper periodical performance evaluation.
  • Liaise with Sharia'a Board & Audit Committee  for Sharia'a concurrence, resolving Sharia Audit observations...etc.

2) Business Development  & Credit   Responsibilities

  • Oversee all teams business development,sales activities ,customers acquisition & retention 
  • Recommending & assessing credit proposals by conducting thorough credit review in accordance with the bank credit policies 
  • Approving of credit facilities proposals & sign off for credit facilities within set approving matrix limits.
  • Approving "Exceptions" to the policy deviations within set approving criteria/limits    
  • Periodic review of the portfolios MIS to monitor  EWS, NPLs….etc.& recommend corrective actions whenever needed
  • Communicate changes in product and policy parameters, new product launches to the front liners
  • Recommend amendments to credit policy & product features to match with market conditions & competition.
  • oversee follow up over past dues & delinquency levels  & liases with Recovery Department to ensure coordination between business team & recovery team for proper recovery & provisioning .

3) Operational & Service Responsibilities 

  • Oversee the operational activities including : A/C opening & maintenance (corporate & Individual)/ Cards & Cheque Books Issuance & delivery/AML monitoring/ Credit Facilities disbursements (Murabaha , Ijarah for HMF...etc) , facilities maintenance & settlement/ Mortgage Blocking & releasing/ Wakalah Deposit operations , Electronic Cheques Clearing (ECC)  & Remittances.
  • To minimize risk in Branches Operations  & ensure error free processing  & achieve favorable audit ratings ensuring full compliance to SOPs & UAE Central Bank regulations within agreed SLAs.
  • Work on reducing customers  applications rejection rate 
  • Reduce customers complaints & ensure resolution through root causes analysis
  • Analyzing Mystery Shopping reports , Complaints reports  & ensure service performance management approach is followed. 
  • Ongoing revision for  the policies & procedures for recommending enhancement to improve efficiency
  • Recommend IT process  automation enhancement , Participate in new projects implementation in terms of launching new product, new updating IT Applications, policies & procedures updating. etc.
Aug 2008Mar 2015

Senior Branch Manager - Head Office Area & Related Units.

Ahli Bank- Qatar

Leading the Head Office Area at Ahli Bank-Qatar consisting of Retail Branch,Islamic Window , Corporate Branch & Priority Customers Center, overseeing operations, business development & Customer Service Excellency for the business units/branches under my management.

Business Development and Operational responsibilities:

  • Identifying new Commercial & Retail business opportunities
  • Efficient Management of Branches balance sheet to ensure a balanced and diversified mix of quality customers/products .
  • Marketing of investment products to HNWIs customers (including Investment funds products, offshore trusts establishments, securities brokerage services...etc.) along with growing the traditional Assets/Liabilities portfolios.
  • Ensure Operational excellence and oversee daily operational activities covering A/Cs opening & maintenance / Cards business/ Cash operations & ATM replenishment,PDCs processing, Payroll processing, remittances  , Electronic Cheques clearing.

Strategy & Business intelligence  Responsibilities:

  • Review & recommend Credit Proposals 
  • Ensure regulatory bodies , Internal Policies ,AML and compliance policies are properly adhered to by branches under management.
  • Proposing amendment to the Retail Credit Policy, SOPs in accordance to market/regulations changes
  • Preparing the branches business plan and monitoring the performance achievement, suggesting corrective actions and tactical initiatives required to overcome shortfalls.
  • Ongoing review of pricing and marketing policies, external business and regulatory environment to propose products/policies & procedures amendments accordingly.
  • Keep up to date with industry and economic indicators for ongoing review of competitive position
  • Review MIS reports to monitor KPIs, EWS, margins, CoF, NPLs….etc.& recommend corrective actions whenever needed
Sep 2003Jun 2008

Branch Manager

Commercial International Bank(CIB Egypt)

Branch Manager Key and Responsibilities: Monitoring day to day Operational activities to ensure accuracy levels & Process enhancement .  Recommend consumer loan applications & credit offerings Provide financial advices to customers and increase product penetration/cross sale Granting & follow up on Fully Secured Credit Facilities(utilization, renewal, excess… etc.) Market Intelligence Efficient Service Delivery Process Management

Dec 1998Sep 2003

Branch Operations Manager

Commercial International Bank (CIB)-Egypt

 Supervising the branch operational activities covering the following aspects

  • Remittances & SWIFT ops. ,Clearing ,payroll processing ,Fixed Deposits & Documentary Credits(Trade Finance) Processing
  • Ledgers Accounts Reconciliation & proofing
  • Ensure SLAs & TATs are properly met for both internal & external stakeholders.
  • Ensure Operational risk mitigation & keeping operational errors at minimal rate
  • Management and monitoring of FX position (on the branch level) in coordination with Treasury Department.
  • Accounts opening & associated processes (Maintenance ,Dormant ...etc) 
  • Reporting & proofing to Finance Department & Central Bank as appropriate
  • Liaise & Cooperate with Compliance & AML unit

Officer - Supervisor Operations Department

Commercial International Bank(CIB Egypt)
  • Cheques Clearing
  • Remittances processing 
  • Account opening/maintenance 
  • Issuing LGs



20162016 (Expected)

Certified Anti-Money Laundering Specialist (CAMS )

Association of Anti-Money Laundering Specialists (ACAMS )

Certified Bank Branch Manager

Egyptian Banking Institute -