Amro CV Detailed Nov 2016

Amro Adel CV (November 2016) 1/6

1B,AlGezirahAlWostaStreet,Zamalek–Cairo,Egypt,11211Tel: +202-27372305/+202-35692770(H)

Mobile:+201118989092/+201226699477/+201002909683E-Mail:[email protected]

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Highly experienced commercial banker and consultant with over 25 years’ experience primarily in SME Banking, Corporate Credit and Risk Management with several years at General Manager level for major

international/development banks and educational institutions in MENA region.

§ Core professional strengths:

§ SME Banking, Risk Management, Corporate Finance, Training and Business development.

§ Work experience also covers Trade Finance, Financial Institutions, Investment Banking, and Sharia Compliant Finance.

Extra professional activities: An Accredited Instructor at the Egyptian

Banking Institute for SME Banking, Corporate banking and Risk Management.

Accredited Professor at ESLSCA Business School for Credit & Retail Risk Management.

Regional Director - Egypt of The Professional Risk Managers’ International Association. “PRMIA” www.prmia.org

Head of SME Banking Division at the Egyptian Credit & Risk Association. “ECRA”. www.ecra-egypt.com

International experience: I. Three International On-the-job Training programs:

Societe Generale Head office - Paris in 1995, National Bank of Abu Dhabi’s London Branch in 2001 and Abu Dhabi Islamic Bank’ Head Office in Abu Dhabi in 2008. And,

II. Four MSME study tours with the Egyptian Banking Institute to India, Italy, Turkey, and Kenya:

III. A Microfinance study tour to China with the Syrian Chinese Business Association in 2007.

IV. A study tour to the Credit Guarantee Corporation of Malaysia in 2016

V. Delivered several International Training Programs in Risk Management and SME Banking in Turkey, Tanzania, UAE, Libya, KSA, Kuwait and Qatar.

VI. Attended several world-class training programs in Risk Management, Corporate Finance, MSME Banking and Islamic Finance, arranged by world class financial institutions and universities such as the World Bank Institute, IFC, Euro Money, HAY, Scotia Bank, Societe Generale Banque, Islamic Dev. Bank, Ernst & Young, Ashredge School of Management, EBRD, Maastricht School of Management, DC Gardner, USAID, Boston Consulting Group BCG, FSVC, Marcus Evans, ESLSCA Business School, Pearson, Edexcel.


1. Freelance Instructor, Trainer and Consultant May 2014 - Present SME Banking, Risk Management and Corporate Finance at Several Institutions:

- Egyptian Banking Institute - Marcus Evans - Paris ESLSCA Business School, - the American University in Cairo, - Ain Shams University, - Cairo, University, - West Gate Consultants, - Global Academy for Training, - FA Group - Excellence for Training - Ethraa Training Consultants KSA. - ADFIMI, Turkey - Bizenuis, India. - Egyptian Credit & Risk Association - PRMIA - Finbi - SEED - GIZ

Delivered Special/Tailored Training programs/Consultancies to:

- Commercial International Bank - Qatar National Bank QNB - Housing & Development Bank, - Union National Bank, UNB - Arab African Int’l Bank – - Arab Investment Bank - Egyptian Gulf Bank - National Bank of Egypt - Banque Misr - Social Fund for Development - Credit Guarantee Company - The Egyptian Post - Al Rajhy Bank, KSA, - Riyadh Bank, KSA - Al Nayifat Finance Company, KSA. - Faisal Islamic Bank - Stanbic Babk, Tanzania - Commercial Bank of Africa - CBRD Bank, Tanzania. - Emirates NBD - Kuwait Finance House - Bank Burgan - Kuwait - Central Bank of Libya - Banque du Caire - Qatari Dyar - EY, Kuwait

2. GIZ” Deutsche Gesellschaft für Internationale Zusammenarbeit

Risk Management Consultant Sept 2016 – May 2017 Six-month project with the Credit Guarantee Company of Egypt to deliver the following: ú Risk Policy and Procedure Manual ú Business Development Policy & Procedure manual ú Credit Underwriting Policy & Procedure Manual ú Operations Policy & Procedure Manual ú Industry Based Credit Scoring Models ú Internal Rating System ú Asset Quality Management Model ú RMD KPI’s and Job descriptions

3. USAID’s SEED Strengthening Entrepreneurship and Enterprise Development Project. MSME Banking Consultant Oct 2016 – Dec. 2016 60-day contract with the Egyptian Financial Services Authority “EFSA” Deliverables: Training material for three programs in MSME Finance, NBFIs, and Banking Services including Participants Guide, Instructor’s Guide, Presentation slides, Case studies, and exams in addition to the related TOT manuals and a 15-day training of EFSA’s instructors.


4. Financial Advisory Group “FA Group” January 2016 - Present MSME & Risk Management - Associate Partner & Senior Consultant

Reporting to the CEO of the company, duties include: § Development of training programs curriculum and study material for SME, Credit and Risk Management

programs. § Advisory services for newly established companies. § Preparation of feasibility studies and business development plans for FA Group customers. § Marketing of Training and Consultancy services in Egypt, Kuwait & KSA.

5. Credit Guarantee Company “CGC” May 2015 – March 2016 Part Time Consultancy and Training Assignments

Deliverables included: ú Three rounds of a 150 Hours Credit Course to 60 Guarantee officers ú Credit Scoring Model ú Full Risk Management Skelton ú Guarantee Application and Credit appraisal Formats

6. Arab Investment Bank Oct. 2012 – April. 2014

General Manager, Head of Business Development Group Including the following departments:

i. Strategic Planning, ii. Policies & Procedures, iii. Research & Development, iv. Training,

Head of Credit Policy Committee and Member of the Credit Committee Member of Remedial Advances Committee Member of ICT system Development committee

7. Industrial Development & Workers Bank of Egypt Feb. 2010 – April 2012

General Manager – Head of SME Banking Group Created the SME Banking Group from scratch by drafting a comprehensive policy manual, identifying the target market, and building the division’s work force capacity.

Developed several Bank products targeting increasing financial inclusion of SME sector. Developed an approach with international donors and the Social Fund for Development to secure the appropriate funding needs.

8. Abu Dhabi Islamic Bank - Egypt March 2008 – May 2009 General Manager – Director of Wholesale Banking Group

Responsible for supervising a wide array of sectors including Corporate Banking, SME Banking, Public Sector, Correspondent Banking, Structured Finance, and Syndications.

Responsible for bringing the Bank's distressed credit portfolio on track. Contributed to the restructuring of the Bank from a conventional bank to Islamic Bank dealing under Sharia compliant laws and regulations.

9. Union National Bank – Egypt Oct. 2007 –Feb. 2008 Regional Manager, Head of Corporate Banking Group

In addition to managing UNB’s corporate credit portfolio, I participated briefly in the restructuring process of the bank and in booking several syndicated loan deals.


10. US Agency for International Development “USAID” July 2006 – Aug 2007

SME Business Development Center Investment and Finance Specialist

Duties included facilitating access to finance to more than 50 Egyptian SME companies as well as advising several Egyptian banks on starting up specialized SME banking divisions.

Advisors to the Egyptian Government on setting parameters during the establishment of the SME Stock Exchange “NILEX”.

11. The Egyptian Belgian Company for Industrial Investments (EGYBELG)

Finance & Banking Consultant February 2006 – June 2006

§ Appointed to help stabilizing the Group's financial position during a distressed business cycle. Meanwhile, providing advice and guidance in relation to potential Merger & Acquisition (M&A) transactions. This included, conducting a comprehensive assessment of EGYBELG business environment including: Strategic Planning, Finance as well as possible debt restructure, inventory control, Management Information System, Distribution efficiency, and Supply Chain Management.

N.B: EGYBELG is the largest specialized yeast manufacturer in the Middle East.

12. The Bank of Nova Scotia Feb. 2005 – Jan 2006 Head of Commercial Banking – Egypt Region

Responsible for managing the bank’s Credit Portfolio in addition to deputizing the Regional Manager. Successfully doubled the Credit portfolio to reach US$ 410M through marketing for new borrowing relationships among which were a number of multinational corporations.

13. National Bank of Abu Dhabi – Egypt Dec. 1995 – Jan. 2005

Head of Corporate Banking Group Head of Risk Management Division

Started bank career as senior credit analyst in 1995; Advanced to Regional Manager of the Credit & Risk Department in 1998. Direct responsibilities involved delineating business plans and objectives, setting budgets, monitoring process to ensure that objectives and standards are being met and bank policies are being followed.

Management of the NBAD’s Risk Management Division. Responsible for the entire credit portfolio of the Bank in Egypt and Sudan. Achieved a healthy growth of

260% of the lending portfolio in a period of 3 years (total: US$ 770 million).

14. National Societe Generale Bank “NSGB” Aug. 1993 – Nov. 1995 Senior Credit Officer

In this Bank, I started my professional banking career. Throughout the period I spent with the NSGB, I acquired thorough knowledge and expertise in wide array of technical aspects related to Corporate Finance, Credit Analysis and Branch Management.


1. Doctorate of Business Administration “DBA”

Brooksville University, FL. USA - (GPA 3.94) November 2014 Major: Finance -Distinction: Econometrics -Award of Excellence: Finance

2. MBA (Banking and Financial Institutions), Brooksville University, FL. USA – (GPA 3.38) October 2008 Distinction: Corporate Finance - Award of Excellence: Banking & Financial Institutions

3. Post Graduate Diploma in Business Administration Maastricht School of Management – Netherlands May 2006 Post Graduate Diploma in Business Administration including eight Courses.

4. B. COM in Accounting Faculty of Commerce & Business Administration May 1991 Helwan University – Cairo Graduation Grade: Very Good (82.2%)

I. Comprehensive Banking Credit Management Certificate The American University in Cairo Sept. 1995- July 1996 School of Banking, Economics & Communication Grade A+ (97%)

II. Modern Accounting Certificate The American University in Cairo Sept. 1989 - May 1991 Full time study consisted of 12 courses each for three credit hours, GPA: 3.32.

ú Computer Skills: Excellent command of MS-office applications [MS-Excel, MS-Word, MS-PowerPoint], Moody's KMV, SPSS).

ú Language Skills: Arabic and English

ú Regional Director of PRMIA chapter in Egypt “PRMIA” is the Professional Risk Managers’ International Association” [2010 – Ongoing]

ú Member of the Basel II Compliance Professionals Association (BCPA). ú Member of the Egyptian Credit & Risk Management Association (ECRA) ú Member of SME Development Committee at the Federation of Egyptian Industries. [2010-2013] ú Board member and Founder of Artists for Peace and Freedom AFPAF (Danish- Egyptian NGO). ú Member of the Commercialists Syndicate – Cairo. ú Member of El-Ahly Sporting Club.


A well-traveled multi cultured person. Interests include: ú Fine Arts ú Reading: History, Politics, World Heritage and local cultures ú Music: Rock, Jazz, Blues, classics, world music ú Internet surfing ú Motor biking, Squash and Billiards ú Traveling: Lived in or visited the following countries: Egypt (Country of residence), Kuwait (18

years), UAE, Qatar, Syria, Lebanon, Libya, KSA, Iraq, France, Italy, Spain, UK, Netherlands, Turkey, China, India, Thailand, Malaysia, Bangladesh, Kenya, Tanzania, Belgium, Greece, Bulgaria and Austria.

ú Date of Birth: August 14, 1969. ú Nationality: Egyptian ú Marital Status: Married ú Military Service Accomplished– 1992.

Furnished Upon Request Public Profile, References & Recommendations: http://eg.linkedin.com/in/amroadel


APPENDIX I PROFESSI ON AL T RAINI NG :

1. Ashridge Leadership Process Ashridge Business School, Berkhamstad, UK 2. Making Great Leaders Hay Group International – Dubai 3. Managerial & Supervisory Skills Ernst & Young International 4. SME Credit Risk Workshop European Bank for Reconstruction & Development "EBRD" 5. Early Warning Signals and restructuring of SMEs DC Gardner 6. Scoring Models for SME Banking Equifax USA 7. Building SME Banking - (Business Training) IFC & the World Bank Institute 8. 2014 EBI's Microfinance Study Tour to Kenya 1week Study tour to Kenya 9. 2013 EBI’s SME Study Tour to Turkey 1 Week study tour to Turkey’s SME sector 10. 2012 EBI’s SME Study Tour to Italy: 10 days study tour to Italy’s SME Banking sector 11. 2011 EBI’s SME Study tour to India: 10 days study tour to India’s SME banking sector 12. Islamic Finance for SMEs Financial Service Volunteer Corps 13. TOT Scaling up SME Banking Business IFC 14. Reducing the Risk Scotia Bank Group’s Anti Money Laundering Training Program 15. Evaluating Quality of Risk Societe Generale Banque – Paris 16. The "Middle East SME Banking" Conference Dubai, UAE By Marcus Evans International 17. Islamic Finance Road show 2010 - the Malaysian International Islamic Finance Center 18. International Developments in Retail Banking Batt & Partners Consulting, London, UK 19. Risk Capital Investing in ICT Nathan Associates INC, USA 20. Understanding the Venture Capital Process - Dingmans Center for Entrepreneurship –USA 21. SME Development Forum, Tripoli, Libya - Organized by the Arab League, and IFC 22. GITEX & GULFCOMMS 2006 Dubai, UAE Organized by Dubai World Trade Center 23. ADFIMI Development Forum 201 Istanbul, Turkey 24. Innovation in SME Banking Egyptian Banking Institute 25. Operational Setup for SME Banking Egyptian Banking Institute 26. Risk Management for SME Banking Egyptian Banking Institute 27. Product Development for SME Banking Egyptian Banking Institute 28. SMEs Financing: An Integrated Vision for the Next Era - Egyptian Banking Institute 29. SME Banking for Bankers Egyptian Banking Institute 30. Financing SMEs Egyptian Banking Institute 31. Service Marketing in Highly Competitive Markets Egyptian Banking Institute 32. Operational Risk Management & Basel III Organized by ADFIMI & IDWBE – Cairo 33. Certified Advanced Basel II Master Class Pillar 2: Supervisory Review & Evaluation 34. Basel II: Implementation & Compliance Training Pillar 3: Disclosure After the Global Crises 35. Internal Rating Systems – Basel II The Arab Center for Economic Studies 36. Foreign Trade Finance Cairo University 37. Investment Analysis & Portfolio/ Fund Management The American University in Cairo 38. Asset Conversion Lending The American University in Cairo 39. Asset protection Lending The American University in Cairo 40. Cash Flow Lending The American University in Cairo 41. The Role of Financial Markets in Supporting Competitiveness of Companies 42. Retail Banking & Consumer Finance Conference International Economic Forum 43. Credit Problems in Public Sector Companies Union of Arab Banks – Cairo 44. Bank Marketing & Management Forum American Bankers Association 45. The Public Private Partnerships MENA Summit “PPP” The IFC and Ministry of Finance 46. Failure of Entrepreneurship Initiatives Egyptian Capital Market Authority 47. Cairo Investment Forum Egyptian Ministry of Investment 48. Challenges facing Arab Economies Arab Monetary Fund 49. Euro-Med Conference on Donor Funding & Novel Financial Instruments 50. International Banking Conference – Abu Dhabi National Bank of Abu Dhabi – UAE 51. European Middle East Partenariat German Arab Chamber of Industry and Trade 52. Edexcel Train of Trainer Program Edexcel UK

Documents

Amro CV Detailed Nov 2016