Mostafa Taha

Senior Banking Operations & Credit Administration Expert with over 10 years of comprehensive experience in the banking sector, specializing in Credit Operations, ICCS/Cheques Clearing, Credit Purpose Monitoring, Transaction Authorization, and SME Financing. Core Competencies in signature validation, cheques processing, reviewing customer transactions against approved credit facilities, and ensuring strict compliance with banking regulations and internal risk policies.

Proven Track

Record in managing Maker/Checker controls, verifying loan & disbursal documentation (KYC, contracts, limits), executing daily central bank settlements, and ensuring zero error transactions authorizations. Skilled in financial analysis, operational banking processes, core banking systems (Finacle), and expert in policy compliance, risk mitigation, fintech, and automation.

Credit Purpose Monitoring Senior Officer | Credit Administration at Export Development Bank of Egypt (EBank) (2025-07 – 2026-03)

• Key Control Point: Acted as a primary control authority in safeguarding the bank's financial exposure by conducting meticulous reviews of high-volume customer transactions against approved credit facilities.
• Credit Limit Verification: Validated and verified credit limits prior to transaction approval, ensuring strict compliance with internal credit policies, risk appetite, and regulatory risk procedures.
• Operations Authorization: Authorized transfers, cheque processing, LCs, LGs, and complex banking operations based on rigorous risk assessments and exposure reports.
• Central Bank Reporting & Escalation: Prepared and finalized monthly credit breach/exception reports for direct submission to the Central Bank of Egypt (CBE), ensuring complete compliance with regulatory reporting frameworks.
• Monthly Interest Settlement & Follow-up: Managed the end-of-month interest settlement cycles on credit facilities, working closely with Relationship Managers (RMs) and Account Officers to track and secure timely repayments.
• Cross-Department Collaboration: Coordinated directly with Central Banking Operations and branches to ensure full collection and verification of mandatory underlying documents, invoices, and utilization evidence from corporate clients.

Cheques Clearing Specialist / Officer / Senior Officer | Central Operations at Export Development Bank of Egypt (EBank) (2019-01 – 2025-06)

• End-to-End Central Clearing Ownership: Held sole responsibility for managing the daily Central Bank of Egypt (CBE) clearing sessions, including securely retrieving files, decrypting data, and executing successful bulk uploads onto the Finacle Core Banking System.
• Daily CBE Settlement & Reconciliation: Acted as the primary anchor for executing end-of-day financial settlements with the Central Bank, ensuring zero discrepancies in overall positions.
• Interbank Clearing Room Liaison: Served as the designated point of contact for managing all official correspondence, disputes, and communications with counterpart banks within the Central Clearing House room.
• Team Training & Knowledge Transfer: Conducted hands-on training and mentorship for team members and newcomers on the upgraded Finacle system, clearing workflows, and policy compliance.
• Clearing & ACH Management: Led the processing, signature verification, and control of inward/outbound cheques through the Automated Clearing House (ACH).
• Fraud Prevention & Dispute Resolution: Managed returned cheque cases, coordinated with branches and corporate clients for timely resolution, and maintained rigorous control over signature validation to prevent fraudulent activities.
• Credit Admin & Facility Coordination: Partnered closely with the Credit Administration Department and Account Officers to secure necessary debit/overdraft approvals for corporate clients utilizing credit facilities during clearing execution.
• Data Integrity: Maintained and validated accurate accounting entries on the Finacle Core Banking System, while preparing operational and reconciliation reports to support senior management decision-making.

Credit Specialist - Direct Lending at Micro, Small and Medium Enterprises Development Agency (MSMEDA) (2015-11 – 2018-12)

• Client Acquisition & RM: Actively sourced and acquired new SME clients, managing end-to-end relationships and initiating the credit onboarding process.
• Credit Analysis & Underwriting: Conducted comprehensive financial statement analysis, cash flow evaluations, and risk assessments to determine client creditworthiness.
• Credit Memorandum Preparation: Drafted detailed and structured Credit Proposals/Memorandums, accurately calculating and recommending appropriate credit facilities and risk-mitigated credit limits.
• Committee Presentation & Defense: Successfully presented, defended, and negotiated credit proposals before the Loan Committees to secure final approvals.
• Portfolio Risk Monitoring: Monitored loan repayments and tracked overall portfolio exposure to ensure early detection and mitigation of potential delinquencies.

Financial Planner at Libano-Suisse Takaful - Egypt (2015-01 – 2015-10)

Help Desk Administrator at Informatique (2013-02 – 2015-01)

Bachelor of Commerce in Accounting – Ain Shams University (2010 – 2014)