Deputy Head of Credit
Deutsche Gulf Finance (Subsidiary of Deutsche Bank)
Total years of experience :30 years, 1 Months
Efficiently and effectively lead, manage and develop the Credit Underwriting Team to ensure applications are processed according to established parameters and within defined Service Level Agreements
Coach and develop the Credit Team and other key stakeholders to ensure that they are fully trained on the latest policies, procedures and promotions and have access to relevant reference materials
Establish, implement and maintain robust and appropriate departmental procedures
Develop, maintain and enhance strong relationships with key internal and external stakeholders
Proactively support the Credit Policy & Collections Manager to identify and implement changes to policies and procedures.
Oversee lending decisions (Sanction or Decline) on a variety of risk propositions in accordance with policy, within a specified mandate and within overall risk budgets
Drive a high performance culture by constantly motivating and coaching colleagues
Al Amthal Company for financing and Leasing - Credit Risk Manager (from July 28, 2007 to present)
Duties and Responsibilities:
In charge in creating multitude loss control programs that may slashed the company Cost of Risk and to eliminate the lost-time injuries revamping the company insurance program and to create further savings methods.
Business Development Manager - January 21, 2009
Duties and Responsibilities:
- In charge in retail and corporate accounts for possible development.
- In charge in evaluating and reviewing documents of clients for possible approval.
- Monitors client payment habit for both corporate and retail account
- Annual review for all existing customers that may need additional financial assistance for their business expansion.
- Do some development programs and methods on how to increase customers/clients
In charge in creating multitude loss control programs that may slashed the company Cost of Risk and to eliminate the lost-time injuries revamping the company insurance program and to create further savings methods
• Leadership for current activities and long term direction.
• Decide what needs to be done and who will do it.
• Follow up on designated tasks.
• Be eligible to serve on all committees.
• Audit financial records for completeness and accuracy.
• Nominate assistants to the division head.
• Be eligible to exceptional cases at top management meetings only in case of ties among the other managers eligible to vote Maintain the Strategic Business Plan for the Credit division.
• Responsibilities are focused on overseeing the technical capabilities of Credit division which include conducting independent assessment of proposals and projects, performing evaluations, financial analysis of corporate transactions, as well as the conceptualization of innovative and creative structuring and financing solutions.
• Documents scrutiny for new business.
• Preparing the agreement (Bank/Corporate).
• Enhancement of credit facility for corporate.
• Analyze company business trend with bank.
• Preparing monthly reports on new business activities.
• Providing Loan Approval Unit with utilization of Corporate Grantees.
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• Monitoring of the documents that have been entered & processed.
• All documents to be reviewed in order to be processed for finall approval before booking.
• Matching criteria & rules.
• Reviewing all documents that are done before booking.
• Make sure that the information of document is matching the system.
• Authority of my limit of booking is SAR (400, 000).
Responsible for providing direct customer service needs. Answering inquires, selling retail products and services. Cross- sells investment banking and treasury products.
- Cross-sells the Bank's products and services to reach the maximum number of qualified customers.
- Filling/ maintenance of customer's legal files. Custody and delivery of VISA and Cards in accordance and PINs in accordance to the Bank's policies and procedures. Process applications for opening/closure of safe deposit t boxes.
- Process opening and renewed of fixed deposit accounts. Process Saudi Shares transactions process and delivery of checks Bank Books. Process account opening/modification, closure etc. follow - up - active customer accounts to re - activate the relationship in order to minimize the number of zero balance and/or low balance accounts.
- Ensure proper display of advertising / merchandising materials and availability of customer forms and brochures in the Branch and ATM lobby as per RBG's policies and guidelines. Perform other functions as directed by Branch manager (in category B-D Branch) and / or customer and service marketing manager (in category a branch) from time to time