Michel Effeich

Michel Effeich is a seasoned banking professional with extensive experience in commercial and corporate banking. Currently serving as an Associate Director at Scotiabank since August 2015, Michel manages the mid-market portfolio, focusing on relationship management and complex underwriting. Previous roles include Senior Client Relationship Manager at Scotiabank, with notable achievements in asset and revenue growth, as well as Manager Commercial Banking at National Bank of Canada, where responsibilities included managing a commercial lending portfolio. Earlier roles at HSBC Bank Canada and HSBC Bank Egypt involved managing international relationships and leading teams in commercial banking, enhancing skills in trade services and credit portfolio management. Michel holds a Master's in Business Administration from the Arab Academy for Science, Technology and Maritime Transport and a Bachelor's degree in Commerce with a major in Accounting from Alexandria University.