Licensee of Law | Law

Faculty of Law, Tanta University

Head of Legal Affairs – Rent & Leasing Sector

Al Faris Group | Asir - Khamis Musheet

-Implementing and implementing the company's policies in general and the leasing sector in particular regarding.
- Taking the necessary legal action towards claiming Al-Faris rights through the district officials.
-Follow up on the legal procedure taken to reach the implementation of the right of Al-Faris.
-Follow-up of district officials in the implementation of the duties of their subordinates' job.
-Cooperating with all departments of the leasing sector and advising on issues related to the leasing sector.
- Managing all the investigations that are presented by the managers of the sector’s administrations after taking the opinion of the General Manager of the leasing sector.

Credit Supervisor

Saudi Finance House | Saudi Arabia - Riyadh

1. Evaluating all the applications to ensure compliance with credit policy and documentation criteria based on customer’s segmentation.
2. Processing all the applications in queue on the same day &Meeting the service levels based on turnaround time.
3. Reviewing external verification comments on system memos as well as customers SEMA credit report and keep record in file.
4. Compute applicant’s DBR (Debt Burden Ratio) and prepare a calculation sheet.
5. Proposing deviation approvals based on strong profile of the applicant, despite not meeting certain individual requirements.
6. Completing other special tasks requested by the higher level.
7. Approved applications meeting criteria within the limit &authorize the limit Creation to the Applicant through the System.
8. Manage and maintain credit & collections MIS
9. Manage the department based on clarified computation.
10. Determine the company's debits and assess the level of the collections achievement.
11. Following up cases of regular customers and companies and non-regular.
12. Know the value of delinquency payments and its numbers for each year.
13. Determine the level of daily collection for the Branch.
14. Determine the level of collection achievement for each collector and evaluation of its monthly.
15. Calculate the value of the early discount for customers.

Collection & Legal Supervisor

Saudi Finance House | Saudi Arabia - Jeddah

1. Evaluating all the applications to ensure compliance with credit policy and documentation criteria based on customer’s segmentation.
2. Processing all the applications in queue on the same day &Meeting the service levels based on turnaround time.
3. Reviewing external verification comments on system memos as well as customers SEMA credit report and keep record in file.
4. Compute applicant’s DBR (Debt Burden Ratio) and prepare a calculation sheet.
5. Proposing deviation approvals based on strong profile of the applicant, despite not meeting certain individual requirements.
6. Completing other special tasks requested by the higher level.
7. Approved applications meeting criteria within the limit &authorize the limit Creation to the Applicant through the System.
8. Manage and maintain credit & collections MIS
9. Manage the department based on clarified computation.
10. Determine the company's debits and assess the level of the collections achievement.
11. Following up cases of regular customers and companies and non-regular.
12. Know the value of delinquency payments and its numbers for each year.
13. Determine the level of daily collection for the Branch.
14. Determine the level of collection achievement for each collector and evaluation of its monthly.
15. Calculate the value of the early discount for customers.

Coordinator Legal & Agencies

Citibank N.A Egypt | Egypt - Alexandria

1. Responsible for managing portfolio of customers who failed to make their payment on their credit facilities to Citibank. Job included developing strategies to communicate with customers, review of MIS to effectively manage the portfolio, and negotiation/rescheduling of debt customers who were unable to pay.
2. Tracking and analyzing monthly flows through rates and meet cycle targets of accounts and effectiveness.
3. Provide feedback to collections supervisor on operations and flow of work with ideas for improvement of certain process where appropriate.
4. Increase public awareness and educating Customers on timely payments to decrease and minimize the number of defaulted customers by using CRM programs e.g. CACS, Systematic, etc. 75% of the time the targets were either exceeded or met.
5. Study of non-performing cases.
6. Assist in clean up the credit portfolio by following up approved settlements for problem loans files.
7. Reduce the percentage of non-performing loans to the acceptable levels within the allocated branches.
8. Visit the customer’s factories and sites and prepare NPL case reports.
9. Attend meetings with the clients in the presence of head of recovery.
10. Follow up recovery files to reach acceptable settlements as well as the completion of settlement procedures after obtaining the designated approvals.
11. Prepare recovery proposals presented for agreed settlements planes.
12. Follow up the implementation of the settlement agreements.
13. Implement NPL rules & instructions.
14. Prepare the related NPL reports presented to the Bank’s management and C.B.E
Initial review of the reclassification for NPL customers on quarterly basis.
15. Control & review NPL provisions according to risk rating and Basel II requirements.
16. Implementation of rules and procedures for managing problem loans.
17. Represent the bank in front of the legal authorities (General Prosecutor, courts, legal experts, etc.)
18. Take necessary actions to evaluate the presented guarantees from NPL debtors as well as the completion of all legal documents related to these guarantees.
19. Follow up the files transferred to legal department.

Lawyer & Office Manger

Ibrahim Elsayed Office | Egypt - Tanat

20. Write and review all contracts (Sale - Rent - etc .....).
21. The establishment of the proceedings (civil - commercial - criminal - Administrative).
22. Follow-up cases in the courts (Civil - Commercial - Criminal - Administrative).
23. Provide sound and timely legal advice within the group. Coach lawyers and junior lawyers.
24. Ensure protection of local operating company and group interests by ensuring compliance with both contractual and legal obligations.
25. Identify, mitigate and manage global, regional and local legal and regulatory risks in the areas of operation.
26. Support and direct resolution of contractual and regulatory disputes in the areas of operation.
27. Safeguard awareness and compliance with the corporate/legal independence of operating companies.
28. Promote awareness of and compliance with Group requirements in the areas of competition law; export controls, conflict of interest, anti-bribery and corruption and privacy protection.
29. Provide comprehensive effective and timely legal support to Major Projects Contractual Activity within the operating companies.
30. Assist in maintaining liaison with national and international external legal advisers (law firms), and control advisors activities for company, draft consultancy agreements.
31. Collaborate with other members of the Legal Department in order to assist, as required, on legal matters generally.