Ahmed Tharwat
About Ahmed Tharwat
Ahmed Tharwat is a credit analyst specializing in small and medium enterprises (SMEs) at the National Bank of Egypt, where he has worked since 2020. He has a background in retail banking and holds a Bachelor of Commerce from Ain Shams University and a Business Lending certificate from the Egyptian Banking Institute.
Work at National Bank of Egypt (NBE)
Ahmed Tharwat has been employed at the National Bank of Egypt (NBE) since 2017. He initially worked as a Bank Teller for two years, from 2017 to 2019. Following this role, he served as a Retail Banking Officer for one year, from 2019 to 2020. Since 2020, he has held the position of SME's Credit Analyst, where he has been responsible for analyzing credit applications and ensuring compliance with regulatory standards.
Education and Expertise
Ahmed Tharwat studied at Ain Shams University, where he earned a Bachelor of Commerce (BCom) degree from 2011 to 2015. He furthered his education at the Egyptian Banking Institute, focusing on Credit Management. In 2021, he completed a Business Lending Certificate, which took 11 months to achieve. His educational background supports his expertise in credit analysis and financial management.
Credit Analysis Responsibilities
In his role as an SME's Credit Analyst, Ahmed Tharwat analyzes proposed credit applications with an emphasis on industry concentration and financial purpose. He prepares detailed reports and opinions for loan committees, which assist in making informed credit decisions. His work ensures that all analyses comply with IFRS9 regulations, particularly in the evaluation of new, renewal, and existing loans.
Career Progression
Ahmed Tharwat's career at the National Bank of Egypt (NBE) reflects a steady progression through various roles within the organization. Starting as a Bank Teller, he gained foundational banking experience before moving to a Retail Banking Officer position. His current role as an SME's Credit Analyst marks a significant advancement, allowing him to apply his analytical skills in a specialized area of banking.