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Career background of 18 years in Risk Management and wholesale banking including; Corporate,
Commercial and SME Banking, Marketing and Islamic Finance, with Six Banks, In addition to a special
experience in SME banking and development from working with a USAID funded project.
With qualification in staff development, training and coaching, I am an accredited instructor in the
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Egyptian Banking Institute for several training programs.
CORE PROFESSIONAL STRENGTHS:
 Risk Management  Islamic Banking
 Corporate Banking  Bank Restructuring
 SME Banking  Training (Banking & Finance)
PROFESSIONAL EMPLOYMENT:
1. Industrial Development & Workers Bank of Egypt Feb '10 – Present
Director of SME Banking Division July '10 - Present
Chief Risk Officer "CRO" - [General Manager] Feb '10 – July '10
2. Egyptian Banking Institute - [Part Time] Sept. '09- Present
Instructor [SME Banking]
3. National Bank for Development March’08–May 09
[A Subsidiary of Abu Dhabi Islamic Bank Group]
General Manager, Head of Corporate & Commercial Banking Group
4. Union National Bank – Egypt Oct.'07 –Feb. ‘08
Regional Manager, Head of Corporate Banking Group
5. US Agency for International Development “USAID” June’06–Aug.'07
SME Business Development Center
Investment and Finance Specialist
6. Bank of Nova Scotia – Cairo Feb ’05 – May ‘06
General Manager, Commercial Banking
7. National Bank of Abu Dhabi – Egypt Dec. ’95 – Jan. ‘05
Head of Corporate Banking Group Oct. ’02 – Jan. ‘05
Regional Credit Manager Dec. ’98 – Sept. ‘02
Asst. Manager – Regional Credit Dept. Apr. ’97 – Nov. ‘98
Senior Credit Officer Dec. ’95 – Mar. ‘97
8. National Societe Generale Bank “NSGB” Feb. ’93 – Nov. ‘95
Senior Credit Officer
TRAINING EXPERIENCE [ C our s e s De liv e r e D ]
The Egyptian Banking Institute Sept. '09 - Present
An Accredited Instructor for several Training Programs in SME Banking and Risk Management.

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Regional IT Institute & the University of George Washington
 SME Banking for Entrepreneurs June 2007
Arab African international bank.
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• Financial and Cash Flow Analysis and Projections Nov 2004
• Introduction to Credit Risk Management Dec 2004
CONFERENCING EXPERIENCE
• -Appointed Chairman and Speaker at the "Middle East SME Banking" Conference held at Dubai,
UAE, on May 2010 by Marcus Evans International.
• Appointed Speaker and Panelist at the Islamic Finance Roadshow 2010, organized by the
Malaysian International Islamic Finance Center.
EDUCATION
1. Post Graduate Diploma in Business Administration
Maastricht School of Management – Netherlands May
2006
Post Graduate Diploma in Business Administration [Half MBA] including 8 Courses as follows:
1. Financial Accounting 5. Managerial Accounting
2. Marketing Decision-Making 6. Financial Resources Management
3. Creating, Structuring & Managing Organizations 7. Manufacturing & Service Operations
4. Competing in the Global Arena Management
8. Strategy, Strategic Design & Strategic Behavior
2. Bachelor of Arts in Accounting
Faculty of Commerce & Business Administration May 1991
Helwan University – Cairo
Graduation Grade: Very Good
3. Thanaweyya Amma Certificate, [High school] - Kuwait
Grade: 87.8% 1983 –
1987
PROFESSIONAL CERTIFICATES:
1. Modern Accounting Certificate
The American University in Cairo Sept. 89 -May ‘91
Full time study consisted of 12 courses each for 3 credit hours, GPA: 3.32.
2. Business Administration Certificate
The American University in Cairo Jan 1992
Three sequential courses totaling 108 contact hours.
3. Comprehensive Banking Credit Management Certificate

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The American University in Cairo Sept. ‘95- July ‘96
Institute of Banking & Finance
Grade A+ (97%)
1-Introduction to Accounting and Financial analysis
2-Lending Rationales
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3-Asset Conversion Lending
4-Cash Flow Mechanics
5-Assets Protection Lending & Legal Aspects of Credit
6-Hedging Foreign Exchange Exposure in Credit
7-Capital Markets and Securities Industry
8-Modern Concepts & Theories in Banking Credit Management
9-Cash Flow Projection/Analysis 10-Trade Finance
11-Correspondent Banking 12-Evaluation of Companies
TRAINING PROGRAMS : [Courses Attended]
Institute of Banking & Finance
The American University In Cairo:
October ’93. 1. Asset Conversion Lending
February ’94. 2. Asset protection Lending
April ’94 3. Cash Flow Lending
May 1994. 4. Quality of Risk Evaluation:
Arranged by Societe Generale Banque – Paris
July 1994. 5. Marketing of Banking Services in a Competitive Environment
Arranged by the Banking Institute- Cairo
May 1995. 6. Foreign Trade Finance
The Cairo university
May 1998 7. Investment Analysis & Portfolio/ Fund Management
The American University in Cairo
Institute of Banking & Finance
Sept. 2001 8. Managerial & Supervisory Skills
Ernst & Young International, Cairo
May 2002 9. Making Great Leaders
Hay Group International – Dubai
Sept. 2002 10. Internal Rating Systems – Basel I
Arab Center for Financial and Economic Studies - Cairo
Oct. 2002 11. Developments in Retail Banking
Batt & Partners Consulting , London, UK
Dec. 2002 12. Asheridge Leadership Process
Asheridge School of Management, Berkhamstad, UK
June. 2005 13. Reducing the Risk
Scotia Bank Group’s Anti Money Laundering Training Program
Dec. 2006 14. Risk Capital Investing in ICT
Organized by Nathan Associates INC, USA
May 2007 15. Understanding the Venture Capital Process
Dingman Center for Entrepreneurship
Smith School of Business - University of Maryland

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March 2010 Certified Advanced Basel II Master Class
16. Pillar 2: Supervisory Review & Evaluation (SERP)
Internal Capital Adequacy Assessment –
17. Pillar 3: Disclosure After the Global Crises :
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Implementation & Compliance Training –
By the Basel II Compliance Professionals Association (BCPA)
April 2010 18. Building SME Banking - Business Training
By the IFC & the World Bank Institute
CONFERENCES & EXHIBITIONS:
March 2007 1. The Public Private Partnerships MENA Summit “PPP”
Organized by The IFC and Egypt’s Ministry of Finance
Feb. 2007 2. Cairo ICT
Egypt’s premier ICT Exhibition & Conference.
Dec. 2006 3. Cairo Investment Forum
Organized by Egyptian Ministry of Investment
Nov. 2006 4. GITEX & GULFCOMMS 2006 – Dubai, UAE
The Premier Gulf Information Tech & Communication Exhibition
Organized by Dubai World Trade Center
Nov. 2006 5. Egypt Invest 2006
Organized by International Event Partners – Cairo
Oct. 2006 6. Failure of Entrepreneurship Initiatives
Organized by the Egyptian Capital Market Association – Cairo
May 2006 7. Bank Marketing & Management Forum
Organized by American Bankers Association – Cairo
Sept. 2005 8. Settlements and Payment systems between Arab Banks
Organized by the IMF, AMF and The IFC – Cairo
Feb. 2003 9. Arab Economies and Dealing with the Challenges
Arab Monetary Fund & IDSC – Cairo
Jan. 2003 10. Egypt’s Retail Banking & Consumer Finance Conference
Egypt’s International Economic Forum – Cairo
Nov. 2000 11. International Banking Conference – Abu Dhabi
Organized by the National Bank of Abu Dhabi – Abu Dhabi – UAE
Jan. 1994. 12. Credit Problems in the Public Sector
Organized by Union of Arab Banks – Cairo
Dec. 1994. 13. European Middle East Partenariat
Organized by German Arab Chamber of Industry and Trade
SKILLS
• Computer Skills Excellent command of MS-office applications [MS-Excel, MS-Word, MS-
PowerPoint], Moody's KMV, SPSS, Internet/E-mail applications
• Language Skills -English Very Good
-Arabic Excellent (native)

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EXTRA CURRICULAR ACTIVITIES
• Membership to the Basel II Compliance Professionals Association (BCPA)
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• Member of Commercialists Syndicate – Cairo
• Member of Gezirah Sporting Club
• Member of Ahly Sporting Club
PERSONAL DATA
• Date of Birth: August 14, 1969.
• Place of Birth: Cairo.
• Nationality: Egyptian
• Marital Status: Single
• Military Service: Accomplished
FAVORED PASTIMES:
•Music [Rock, Jazz, Blues, classics, world music]
•Internet surfing
•Attending art exhibitions [photography, sculpture & paintings], with special taste for Modern art and
Renaissance creations.
•Reading: History, Politics, World Heritage and cultures
•Motor biking, Squash and Billiards
•Traveling [Visited and lived in]: Egypt, Kuwait, UAE, Syria, Lebanon, Qatar, UK, France, Netherlands,
Spain, China, Thailand, Bulgaria, Belgium, Austria and KSA].
REFERENCES:
REFERENCES:
Furnished Upon Request
Public Profile & Recommendations: http://eg.linkedin.com/in/amroadel
Amro M. Adel