Head of Credit Appraisal & Credit administration depts
First national Bank SAL
Total years of experience :35 years, 6 Months
Dec.2006 up to date: Head Of credit control depart, Acting Head - FICB ( Financial Institutions and Correspondent Banking)
, Head of credit administration
Main contributions: 1- Active member in "Basel II implementation project" task force.
2- Set FNB credit policies & procedures. Policy was internally set, to fit FNB culture needs and requirements.
3- A main contributor in the on - job training of the credit relationship officers. Following the issuance of the new credit policy and procedures duly approved by the Board, I was assigned as Head of Credit Review Unit which main function is to review and control the credit activity at FNB. Daily coordination with the relationship units (corporate & SME) enhanced credit control, and improved the quality of input of the credit applications submitted by the officers.
4- Headed the Credit Administration Unit for 6 months period, identified the gaps and set the needed action plan to re-organize the department and improve its productivity and efficiency.
5- Headed FICB department, created new policy and procedures to process financial institutions and correspondents transactions, re-organized banks' files, set a new credit application for banks, introduced banks' financial analysis, introduced new way of analyzing business volume with correspondents.
6- Assisting in MECG (group co) daily activity.
7- Credit committee member
8- IFRS9 staging committee member
*Setting the new credit administration department with all its functions and plans
*Voting member Of The Credit Committee.
*Member of The Compliance Committee.
Al Mawarid Bank SAL
Corporate Credit Manager
*Reorganized Corporate Credit Dept in terms of Credit Application reporting, handing of securities, booking of facilities process, documentations checking as per BDL#238 circular.
*Assessment of corporate credit portfolio, with extra efforts made to schedule remedial accounts, settlement of some of them under BDL# 41 circular with the ultimate goal to upgrade portfolio.
*On job training to credit officers in charge of the corporate credit portfolio, for proper reporting and proper financial analysis.
*On job training in relation with credit to other employees at AMB.
*Assisting Senior Management in setting the credit department work flow and procedures.
*Assisting Senior Management is re organizing some of the work procedures other than credit
*Setting risk policy.
*Voting Member Of Credit Committee
*Member of Compliance Committee.
Corporate Credit Manager, Al Mawarid Bank
Contribution: 1- Reorganized Corporate Credit Dept in terms of Credit Application reporting, handing of securities, booking of facilities process, documentations checking as per BDL#238 circular.
2- Assessment of corporate credit portfolio, with extra efforts made to schedule remedial accounts, settlement of some of them under BDL# 41 circular with the ultimate goal to upgrade portfolio.
3- On job training to credit officers in charge of the corporate credit portfolio, for proper reporting and proper financial analysis.
4- On job training in relation with credit to other employees at AMB.
5- Assisting Senior Management in setting the credit department work flow and procedures.
6- Assisting Senior Management is re organizing some of the work procedures other than credit.
7- Setting risk policy.
8- Voting Member of Credit Committee.
9- Member of Compliance Committee.
Saudi Lebanese Bank
Senior Credit Officer - Assistant Head of Corporate Banking
*Maintaining excellent relationship with corporate clientele.
*Regularizing and restructuring problematic accounts.
*Handling customers' request efficiently
*Keeping all credit files as per BDL standards
Emirates Bank International - Dubai
Accounts' Manager
Group Credit Control Department
* (Controlling the Credit portfolio of 6 branches of the Bank.
*Assessing / analyzing / processing the branches credit applications which ranged from US$ 1 million and up to US$ 20 million. The portfolio included healthy, highly active accounts of multinational companies operating in Dubai.
*Restructuring a number of problematic accounts with direct exposure to their legal issues and complications.
*Regular control of the branches' Credit operations by reviewing daily excess's reports, monthly irregularity reports, internal Audit reports in order to regularize discrepancies and comply with the bank's policy and the UAE Central Bank regulations.
*Managing the Retail Credit portfolio (Personal Loans / Car Loans / Credit Cards) of 23 branches of the Bank.
*Setting policies and schemes for consumer credits
*Reviewing yearly budgets of branches.
*Reviewing and approving quarterly provisions required at branches.
*Reviewing accounts' classification and rating on quarterly basis on corporate and retail level.
Jan 1994 up to June 1998: Accounts' Manager - Emirates Bank International - Dubai, UAE Group Credit Control Department.
Contribution: 1- Controlling the Credit portfolio of 6 branches of the Bank.
2- Assessing / analyzing / processing the branches credit applications which ranged from US$ 1 million and up to US$ 20 million. The portfolio included healthy, highly active accounts of multinational companies operating in Dubai.
3- Restructuring a number of problematic accounts with direct exposure to their legal issues and complications.
4- Regular control of the branches' Credit operations by reviewing daily excess's reports, monthly irregularity reports, internal Audit reports in order to regularize discrepancies and comply with the bank's policy and the UAE Central Bank regulations.
5- Managing the Retail Credit portfolio (Personal Loans / Car Loans / Credit Cards) of 23 branches of the Bank.
6- Setting policies and schemes for consumer credits.
7- Reviewing yearly budgets of branches.
8- Reviewing and approving quarterly provisions required at branches.
9- Reviewing accounts' classification and rating on quarterly basis on corporate and retail level.
Jan 1994 up to June 1998
First Gulf Bank - Ajman, UAE
Credit officer
*Handling and managing a small Credit portfolio.
*Meeting / visiting corporate customers, and preparing necessary Credit applications.
August 1991 up to Jan 1994
Saudi Lebanese Bank S A L Credit Officer - Meeting / visiting customers and preparing necessary Credit applications. Sept 1988 up to June 1991
August 1991 up to Jan 1994: Credit officer - First Gulf Bank - Ajman, UAE
Contribution: 1- Handling and managing a small Credit portfolio.
2- Meeting / visiting corporate customers, and preparing necessary Credit applications.
Sept 1988 up to June 1991: Credit Officer - Saudi Lebanese Bank S A L
Contribution: 1- Meeting / visiting customers and preparing necessary Credit applications.
1980-1982: Frere Maristes, Saida-Lebanon, Got my Bacc I/II degrees.
1987-1991: Beirut University College (LAU at present), Masters in Business Administration.
1983-1986: American University of Beirut, Bachelor of Science in Mathematics.
1979: St. Joseph De L'Apparition, Saida-Lebanon, completed my