Head of Retail & SME Credit Administration (CADMIN)
Commercial Bank of Dubai
Total years of experience :28 years, 9 months
Mission: To improve quality earnings through the establishment, enforcement and oversight of all credit policies by developing rigorous operational efficiency
Major Achievements:
Reduced complaints from 133 to zero, within 5 months without additional resources
Bridged the gap between 3 departments, both locally (Dubai) and overseas (India)
Signed off SOP’s & SLA’s between CADMIN & Business segments
Created E-Reports for accurate MIS reporting & developed Delegations matrices
Rigorously implemented zero deviation tolerance from Policy and Central Bank directives
Daily Responsibilities:
Establishing internal loan controls and written policies and procedures and thereby ensuring the quality of the loan portfolio.
Review all credits in excess of permissible delegation matrix parameters to ensure long-term asset quality
Periodically review and reevaluate the adequacy and effectiveness of established policies and procedures.
Responsible for providing communication to department staff regarding performance, including formal annual performance reviews
Ensure the competency and accountability of lending and credit staff
Responsible for accurately reporting to the CEO and HODs
Ensure that new and existing loans are properly documented and lien positions are appropriately perfected.
To remain current with regulatory, accounting or other changes that affect lending in all aspects.
Control bookings of Direct Sales, Branches and Islamic Businesses to ensure that applicable areas provide prompt and efficient service to external and internal customers.
Timely coordination between the Credit Approvals, Credit Administration and Operations, for efficiently and accurately running bookings.
Ensure uniformity of reviews of Real Estate Valuations
Responsible for coordinating all “credit related” examination data, document requests and all required information
Leading 30 credit operations staff in 5 Depts. (Islamic & Conventional) as follows:
1) Retail Loans: Personal loans, staff loans, credit cards, auto loans, buy-outs, goods
2) Home Finance & Mortgages: FOL, SPA, evaluations, DLD TD registration
3) Business Banking (SME): Business loans, overdrafts, credit cards
4) Buyout Team: Handling buy out cases, Remote Manager cheque printing, STL’s, CL
5) ALOC Listing: Site visit reporting on MNC’s, Blue chip co. to be added to ALOC
Head- Retail & SME Credit Admin Dept (RCAD), Risk Management Group
Mission: Re-engineer process flows, eliminate errors and increase efficiency
Major Achievements:
Independently established and staffed the Retail Credit Administration Department
Draft Dept. policies & Service Level Agreement between RCAD and branches
Specified New System Requirements for MIS reporting and operational efficiency
Ensure conformity to all rules and regulations issued by the Central Bank
Daily Responsibilities:
• Audit Booking of deals in compliance with Sharia, Credit & Central Bank guidelines
• Ensure compliance of Approval authority matrix of Credit Dept. & Credit Committee
• Provide Senior Management with Trend & Quality MIS analysis & Exception Reports
• Authorise Limit Exceeding transactions upon reconfirming validity of approval
• Ensure all Credit approvals are in line with latest management/ product amendments
• Focal point between: Branch Managers, Product Managers, IT & Finance Ops. Dept.
• Advise Marketing & IT Depts. of practical issues & solutions for Product Development
• Monitor high volumes of daily pre & post-disbursement operations of Retail deals, including:
Postponements Early Settlements Recovery cases Cheque Custodianship
Restructures No Liab. Cert. Reconciliations Suspense A/c
Deal Booking Doc. Fees A/c Grouping Rectifying Discrepancies
Deviation codes Transfer Liabilities Branch Tracking Manager Cheques
Fixed Deposits Customer Ins. Exception Reports Guarantees
SME & Corporate Credit Officer (Iraq, Jordan & Dubai), HSBC
Mission: Develop and train the Credit Dept. of an acquired Bank, in Iraq during the war
Daily Responsibilities:
• Review recruitment & operational budgets for various Depts.
• Centralisation & automation of the Bank’s Credit portfolio of 13 branches, 120 staff
• Complete set-up of Credit products control parameters on HUB
• Drafting Credit Procedure & Operational Workflow Manuals for all term products
• Consolidated and reconciled the acquired Bank’s Credit portfolio
• Trained credit staff in Iraq & Jordan and went live with HSBC’s system- HUB
• Business process re-engineering of all credit related activities & products
Legal Officer & Translator:
• Legal advisory on investment portfolios, company’s legal status interpretation
• Advice on complex Legal & Commercial contracts: MOA, AOA, Signatory powers etc.
• Drafting contracts, reviewing investment portfolios
• Approve marketing leaflets, banking products & news bulletins
• Arranging translation request forms, instant interpretation & distribution of work
Legal Compliance Officer: Shares Dept.
• Public Share Floatation: Dubai Investments & Union Properties
• Approving/ Rejecting share applications, in line with product parameters
CompletedProject Management Professional course
Bachelor of Administrative Sciences, 4 years, Accounting major.
Attended High school in both Choueifat then Cambridge High Schools, upto the "O" levels.
