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Mohamed Omar is the Head of Credit Assessment and Fulfillment Department at CIB Egypt, where they currently lead efforts in underwriting practices, process re-engineering, and operational optimization. With 16 years of experience in multinational and local banks, Mohamed has held various roles in Operations, MIS, and Risk Management, including Credit Initiation Manager at CIB and Credit Analyst at Citi. They have played a key role in establishing independent underwriting divisions and have contributed to the digital transformation of underwriting workflows.