I have assessed SME credit from both sides of the table.

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• Aug 2021Present Founder and PrincipalMH Credit Advisory, Cairo

  • Built and packaged credit files for approximately 50 SME and mid-market clients across food and beverage, manufacturing, real estate and trading.
  • Rebuilt incomplete or poorly presented client financials into structured financial statements, cash flow projections and credit packages prepared to bank underwriting and credit committee standards.
  • Applied over a decade of lender-side credit experience to identify and remedy the weaknesses that most commonly cause SME files to fail at committee, ahead of submission.
  • Advised clients on facility type, tenor and repayment structure relative to their cash conversion cycle and debt service capacity.
  • 40 of c. 50 clients secured the financing they sought, from banks and leasing companies.
  • Tracked Central Bank of Egypt regulatory developments and shifting lender appetite across the SME segment.
• Aug 2019Apr 2021 Business Development Senior ManagerGlobal Corp for Financial Services, Cairo

  • Owned the full origination cycle for new B2B corporate clients: targeting, pitching, pricing and closing.
  • Structured facilities from EGP 50MM to EGP 150MM for SME and mid-cap borrowers.
  • Set pricing strategy and built the revenue forecasts used to guide commercial planning.
  • Managed strategic client relationships through renewal and expansion, retaining and growing existing accounts.
  • Supervised, trained and developed two junior business development staff.
• Nov 2018Jul 2019 Business Development Deputy ManagerAl Ahly Leasing, Cairo

  • Originated asset and lease finance mandates across corporate and SME segments in a competitive leasing market.
  • Structured facilities from EGP 50MM to EGP 100MM for corporate clients.
  • Matched lease proposals to client asset profiles, cash flow cycles and repayment capacity.
  • Negotiated commercial terms with corporate counterparties and coordinated approvals across credit and operations.
• Aug 2015Oct 2018 Relationship Manager, Corporate & SMEFirst Abu Dhabi Bank, Cairo

  • Managed 80 active corporate and SME relationships across origination, credit renewal and account management.
  • Acquired 8 new corporate clients within a single 12-month period through direct networking and referral development.
  • Structured facilities from EGP 20MM to EGP 200MM for SME and corporate borrowers.
  • Authored credit proposals and defended them in committee alongside risk, legal and operations.
• Jun 2010Jul 2015 Credit Analyst, Corporate & SMENational Bank of Kuwait, Cairo

  • Designed and implemented the SME credit scoring model adopted by the bank to standardise lending decisions and reduce assessment turnaround.
  • Produced approximately 50 credit memoranda per year with full risk assessment and lending recommendations, covering new applications and annual renewals across the corporate and SME borrower base.
  • Conducted financial statement analysis, cash flow modelling, covenant testing and collateral evaluation.
  • Partnered with relationship managers to structure facilities meeting both client requirements and internal risk appetite.
• Jun 2006Mar 2010 Financial Analyst Al-Moasharji Group (McDonald's Kuwait & ABC Real Estate Co.), Kuwait

  • Built budgeting and forecasting models supporting multi-outlet operational planning.
  • Delivered monthly financial reporting and variance analysis to management.