moutasem ghanim, مسؤول قروض

moutasem ghanim

مسؤول قروض

بنك الكويت الوطني

Location
Kuwait - Hawali
Education
High school or equivalent, علمي
Experience
24 years, 9 months

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Work Experience

Total years of experience :24 years, 9 months

مسؤول قروض at بنك الكويت الوطني
  • Kuwait - Al Kuwait
  • My current job since July 2006

Collection Officer- Consumer Banking Group

Responsibility & Experience Include:

 Actively involved in the monitoring the delinquent portfolio, This also includes the follow up on this portfolio and way forwards the churning of the delinquent portfolio to a clean and healthy portfolio.
 Review the credit rating of the potential / delinquent customer by doing a check through scoring and external credit agencies.
 Summarizing the churned healthy portfolio with reports and recommendations to management.
 Customer relations including meeting and follow ups for amicable settlement of outstanding.
 Due diligence with respect to evaluating credit review for customer.
Ensure strict compliance procedures are in place in tune in with criteria’s set up by regulators (Central Bank of Kuwait) and internal credit polices .

now i am working in loan department as under writer ( loan officer )

CREDIT ANLAYST at Gulf Bank
  • Kuwait - Al Kuwait
  • My current job since April 2014

Review and check loan applications received from relevant departments in bank in order to recommends lending limits in line with CBK and Banks policies to ensure compliance based on statistical analysis and take the final credit decision.
•Process approved loans to the bank records through PC terminals to ensure proper crediting of customer’s account.
•Recommends amendments to credit policy to increase profitability, improve asset quality as well as ensuring consistency of credit decisions.
•Help improving delinquency levels and ensure compliance and adherence to Gulf Bank and central bank of Kuwait criteria, policies and procedures.
•Identifies weakness and gaps in the credit policies, procedures and reports them along with the recommendations and suggestions to the management for review and discussion.
•Directly maintain credit policies, lending rules and other requirements within the credit scoring system. Including extracting various reports from the system as well as continuously validating that appropriate cutoff levels are producing credit decisions in line with the Bank's risk appetite and budgeted income targets.
•Coordination and cooperation with accounts officers in corporate banking department about private sectors loans by make studies and all credit researches.

سكرتير إدارة الموارد البشرية at مجموعة الوزان القابضة
  • Kuwait - Al Kuwait
  • April 1997 to May 2001

Secretary for Passports & Relation ship
Follow-up the renewal of the residences for the employees & take care for all goverments working ( all company license - employees goverments working - International & local visas - make control for the residences for ( expier date for the employee .

مسؤول مخازن تبريد at شركة محمد عبد الربيعة للتجارة
  • Kuwait - Al Kuwait
  • April 1996 to March 1997

Create employees time sheet and salary statements monthly. Collect purchase order for the cold store and was in charge of renting them, and collecting the rent.

سكرتير at شركة برهان الكويتية للتجارة العامة والمقاولات
  • Kuwait
  • July 1993 to May 1995

Burhan Kuwait Company

Job Title: Secretary of Project Manager - Time Sheet writer

Follow-up the renewal of the residences for the employees
& take care for all goverments working ( all company license - employees goverments working - International & local visas - make cuontrol for the residences for ( expier date for the employee .Taking Care of complete typing jobs in English & Arabic.Maintaining all office and computer files. Attending incoming telephone calls & customer service.

COMPUTER SKILLS:
Well acquainted with the following computer software
• Arabic word
• Microsoft Word ( English - Arabic )
• Microsoft Excel
• Power Point
• Internet
• First Data International (NBK)
• Vision Plus (Multi funcional FDI System)
• Fair Isaac Debt Manager Version 6.3
• Vision Plus ( New Credit Card System For NBK )
• CRM (NBK designed system).

Education

High school or equivalent, علمي
  • at مدرسة الكويت الأهلية
  • July 1993

قد تخرجت من الثانوية العامة قسم علمي - ومن ثم قمت التخرج من معهد النهضة قسم الطباعة عربي + إنجليزي -

Specialties & Skills

Purchasing
Telephone
طباعة
excellent

Languages

English
Expert

Memberships

monester
  • عضو
  • April 2008