Senior Credit Officer - Risk Management
Gulf International Bank - Saudi Arabia
Total years of experience :18 years, 9 months
Began as a Senior Credit Reviewer within Risk Management, responsible for identifying and mitigating credit risk by providing independent opinions, elevating concerns, following regulatory and internal risk policies, and providing recommendations that would protect GIB’s interest.
Key Accountabilities included (not limited to) evaluate credit proposals in accordance with the Bank’s credit policies and risk appetite taking into consideration country risks, market & economic conditions, specific industry circumstances, portfolio concentration and obligor’s financial and business assessment while ensuring that the bank's overall credit underwritings are in strict adherence to the relevant regulatory requirements. Additionally, to assist Management Credit Committee by providing specific recommendations to strengthen the credit and recommend clear financial and information covenants that aim at monitoring the obligor’s risk profile, ensure pari- passu status, and allow GIB to detect any sign of deterioration at an early stage. Furthermore, ensuring best possible turnaround time for credit proposals with complete independence and transparency to support the business units, recommend approval for credit applications, transactions, exceptions and other extension of credit within GIB's credit policies and procedures. Additionally, liaise with Relationship Managers and Business Heads to ensure sound risk-management policies and practices are followed and adhered to by applying the Bank’s credit policies and reporting deviations to the Credit Committee Participant. Moreover, provide input for the review of the credit policies particularly on issues relating to credit granting, credit monitoring, credit risk rating and collateral management, train and coach Credit Reviewers and Relationship Managers, support GIB’s Management by participating in various risk-related committees as a member and/or invitee whenever nominated/appointed by the management.
Started as a senior manager at the Risk and Credit department where I manage and underwrote all financing requests for retail and commercial throughout Risk and Credit team. Tasks include (not limited to) evaluating applications, analyzing financials, stressing and projecting income, auditing documentations and appraisals, to serve the best outcome of profit and return for the business. Responsibilities included (not limited to) team management, training, reviewing work, evaluating and contracting with appraisal companies, updating the guidelines, modifying applications, and conducting field visits.
Joined Tawuniya’s Key Accounts department as an accounts manager where I managed multiple major clients. Within a year, I have been promoted to manage all of Central Key Accounts direct clients. Managing Tawuniya’s most valuable and major accounts for different lines of insurance (Medical, Assets, Property, Motor, Marin, Aviation, General, Life …etc.) required a lot of dedication, enthusiasm, inspiration, and effective leadership. Responsibilities included (not limited to) collections, team management, recruiting, training, cross selling, and interacting directly with clients to maintain and ensure a successful relationship. Additionally, I was assigned to manage Key Accounts countrywide delinquent credit and risk portfolios.
Completed Samba’s Professional Program (SPP) of 9 months which concentrated on many banking aspects such as finance, accounting, credit, operation, compliance, and treasury besides rotation.
Afterword’s, I joined Corporate Banking Group (CBG) where I started managing corporate accounts and portfolio relationship. Also, participated in coordinating, researching, projecting, and analyzing reports to gain business understanding of client’s objectives and requirements.
Through time, assigned portfolio containing local and international clients grew by utilizing different exposure of trading facilities. Client base contained diversified categories of medical, contracting, telecommunication, retail, wholesale, and electronics. I managed a portfolio of more than SR 1.3 Billion throughout different accounts and clients.
Joined information and security department where I participated in analyzing and maintaining critical, confidential banking data. Moreover, I monitored and assisted in securing the bank’s systems against crises and braches throughout internal applications.
Upon graduation, I joined Sultanah’s Industrial Complex for wood and steel as a project and finance assistant. During my work there, I assisted and cooperated with their finance departments.