Team Leader credit control - Risk group
BANQUE AUDI
Total years of experience :21 years, 8 months
Team Leader, Credit Control, Risk Division Group
• Responsible of managing a portfolio of EGP 3.2 billion consisting of 120 clients (Construction, Textile, Pharmacy & Plastic industries).
• Handle a team in managing the daily credit operations for the bank loans & facilities in
full compliance with the internal standards (credit approvals) and external regulatory
requirements.
• Review loan documents from credit & financial perspectives prior activation to ensure
safeguard bank assets.
• Control the recording, deposit and withdrawal of the security properly & ensure
accuracy & validity of said collaterals (Assignments, mortgages, shares, ..etc).
• Generate, review and maintain loan disbursement reports for presentation to credit committees, and provide monthly reports on the same, in accordance to the credit policy and guidelines.
• Ensure that there is a robust process for the safe custody and control of all security documents
• Ensure compliance with the internal policy, credit approval terms and conditions regulatory ratio / policies etc., complete set of documentation is complete and verification, thereof, before approving any new finance request.
• Responsible for collateral valuation, collateral monitoring and collateral reconciliation with original documents, weekly monitoring of any pledged shares value to ensure compliance of coverage ratio and advise Corporate Credit to request top up in case of depreciation of pledge share price.
• Ensuring post disbursement compliance with approved terms and conditions, assignment of rights, review expiry of credits, progress payment insurance, post fact mortgage etc
• Review daily system credit monitoring and management reports and identify non- performing accounts with irregularities and proactively follow-up to ensure corrective action taken in line with credit policy.
• Handle all Islamic transactions for corporate clients; (Mudarabh, Murabaha...etc)
• Determining finance requirements, negotiating new loans, managing current
loans portfolio from banks, financial institutions and export credit agencies.
* Team member in the 2nd SUKUK issuance for SAR 7Billion, PIF loan
negotiations for SAR 2.6 Billion, & EXIM loan agreement for USD 1.1 Billion
• Handling & reviewing Credit rating agencies requests, moody’s, S&P, Fitch.
• Reviewing and checking on loan agreements & covenants.
• Reviewing and checking of cash flow statements & management reports used
internally & externally.
• Reviewing and checking the company’s financial model.
• Management and review of allocated portfolio. Recommend appropriate credit facilities in line with the Relationship strategy planned taking into account potential earnings maximization and risk appetite.
• Identify new prospects within the target market to pursue growth opportunities
• Explore vertical and horizontal relationships with existing clients across their Group/owner affiliations; Cross selling of products and services from other Business Divisions
• External Control follow-ups include periodic client calls with call reports, documentations, operational issues, account /facility utility organization, payment regularizations, field visit and gather latest market feedback
• Internal control include following up on credit reviews with Credit Product Group, Documentation process with documentation unit, Credit approval process follow up with Credit, Operational issues with operations and other business segments
• Prepare and structure Term Sheets, Pre Screen memos, Financial Models, Risk Rating modules and Economic profitability reports
CMA ( Certified Management Accountant) CFM ( Certified Financial Manager)
Credit Course