Kandil - Banker - Novi Sad, Serbia

Mohamed Kandil

Novi Sad, Serbia


Branch Manager driven to manage costs and establish strategic, mutually beneficial partnerships and relationships with users, vendors and service providers.




Skill Highlights

Leadership/communication skills.
Business operations organization.
Client account management.
Team Leadership.
Public Relations.
Staff Motivation.
Service Quality Improvement.

Work History

Manager Branch


March 2008 - May 2012

In charge of the branch through controlling the services, operations and administration of the branch so as to maximize efficiency and productivity and to consistently provide a high standard of customer service in line with
strategic and operating objectives to contribute to success of the bank's strategies and profitability.
• Develop and manage relations with mass market personal banking customers and growth, product management and profitability of HSBC premier proposition across HBEG region by recommending enhancements, local
initiatives, analyzing product profitability, ensuring implantation of Group guidelines .The reactivation of cross
selling the profitable bank products to existing and new customers.
• Ensure all customers' instructions are been implemented according to group HUB procedures manual and CBE
• planner and driver of the branch as well as being the motivator to its immediate line officers and shaper of overall performance standard of my people .It is my responsibility to promote relationships, recommending
operational and promotional activities to my superior in order to facilitate sales; as well as provide leads and referrals.
• Marketing for existing and new products by Visits & receiving bank existing potential customers trying to maximize the range of services they are using.
• Contributes to the development and the performance of the Branch to Ensure good communication with staff and addressing training needs.
• Ensure that the support & operational departments comply with regulations, guidelines and procedures by
Conducting random checks, directing staff on rectifications & corrective action on deficiencies & monitoring
audit compliance.
• Exhibit strong leadership by managing performance, developing, coaching and empowering supervised staff.
• Contributes to the bank accountability by Controlling all management accounts and overhead expenditure and increasing branch customer base.

Head customer service & Operations

Arab African International Bank

June 2006 - March 2008

Assume full charge in the absence of the branch manager.
• Authorized signature category ( B )
• Markting & salse all product bank's
• Opening all kinds of accounts
• Purchase and Sale of Foreign Currencies.
• Deposits and withdrawls of cash and cheques
• Issuing of Cheques and Drafts.
• Collection of Clearing cheques and handling cheques under collection (Outgoing cheques)
• Managing cash flow of the branch vault.
• Shipments In and Out with both Local and Foreign currencies.
• Telex Transfers (Swift)
• Reconciliation of Operational Accounts on a daily basis.
• Describes and demonstrates the use of all distribution channels (ATMs)
• Issuing CD's and opening Time Deposits on the AS 400 Applications.
• Handling Financial Analysis of the Branch Montly reports.
• Preparing Montly Newsletter of the Branch (Performance Chart).
• Teller jobs
• Money exchange
• Work within the Bank's strategic objectives, seeking exacting and demanding targets while remaining fully
complaint with retail and risk procedures.
• Recommend improvements to policies, procedures and control covering Branch operations while maintaining
existing arrangements.
• Ensure Quality Service is provided, teke necessary action to achieve cost control in the agreed budget
• Ensure Branch activities are carried out rapidly and accuretely follows up on transactions, seeking security and continuity
• Market tests new products and advises of enhancements so that products launched deliver maximum value.

Head of Branch Retail Banking

Societe General Bank (NSGB) Tanta Branch

May 2005 - June 2006

Direct and plan the branch selling activities to both existing and potential
customers within established political and procedures.
• Assume full charge in the absence of the branch manager.
• Develop and maintain large and /or high net worth individual accounts, meet executives, counsel customers on their needs, and ensure efficiency of account management
• Administer and monitor branch call program, call documentary, and review contact reports made by account
• Present loan requests to the branch manager and IBG authorities if beyond the branch limit.
• Sign and verify different payment messages, certified checks, and bank drafts.
• Review work flow, monitor operations, and maintain security of the payment systems used.
• Develop plans to cope with changing volumes during the day.
• Solve problems of non-routine nature (such as validity, insufficient funds, and frauds).Handle customer's
reconciliation problems and their request for different information.
• Assist account officers with problems that involve changes or special handling instructions.
• Maintain branch procedures to be consistent with bank policies and operating objectives
• Answer audit reviews, develop corrections, prepare reports to bank management, and provide general
• Counsel to the branch manager. Ensure the proper implementation of permanent supervision system.
• Supervise, cross-train, and develop staff to handle several products effectively


Commercial International Bank

January 2001 - May 2005

Marketing of product bank's
• Opening all kinds of accounts
• Issuing the different types of cards offered by the bank
• Direct customer contact
• Opening saving certificates
• Receiving & keeping signature cards & updating
• Money transfer
• Incoming checks collection _(local& foreign)
• Out going checks collection _(local& foreign)
• Issuing bank's draft
• Aware of all latest banking products
• (ATM cards - credit cards - insurance policies - car loans - com. Cards -staff payroll - cds - time deposit -
billing ..)
• Teller jobs
• Money exchange
• Knowledge of the corresponding swift message types and capability to manually post the required entries to customer accounts
• Collection of Clearing cheques and handling cheques under collection (Outgoing cheques)

Qualifications & Certifications


Tanta University in Egypt

Sade Elrafei military school

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