Credit Analyst
Alinma Bank
Total years of experience :18 years, 1 month
• Support the Marketing Group in the preparation of credit proposals by recommending the proper credit facility structure, and providing in-depth yet concise financial and credit risk evaluation.
• Foster team spirit between the Credit Analysis Department and Marketing Group by actively engaging in a healthy discussion of the credit risk issues during the annual review and/or initial establishment of credit facilities of an existing/ prospective corporate account.
• Engage in the hands-on application of the Moody's Financial Risk Analysis system (particularly in the preparation of financial spreadsheets, derivation of the appropriate Obligor Risk Rating), active participation in joint-calls with Relationship Managers, credit-round-table discussions with Risk Management, development of financial analysis write-up and credit proposals, among others.
• Play major role in ORM system implementation project.
• Support Project PMO and Vendor during ORM implementation.
Jan. 2013 - Present
• Conduct several workshop approach a cross each business unit for risk and control identification, test plan definition as well as impact assessment for RCSA.
• Timely completing of data gathering and data cleansing of all risk profiles RCSA, KRI, Controls Test Plans, I&A, Loss Data, Serves, Reporting, Risk Champion awareness and training.
• Overseeing accurate data is uploaded and maintained in the ORM system.
• Guide and assist the business and supports units during the process of Risk and Control Self-Assessment (RCSA) procedure on how to continuously identify & measure risk, formulate & test controls, develop & update KRI’s, raise issues & follow through actions.
• Work closely and guide business and support units on the use of proper ORM’s reporting templates and methodology under the manual or automated environment.
• Guiding business and support units during the implementation of loss data collection procedures and insurance management acquisition and claim management.
• Guide business and support units in the documenting risk mitigation procedures.
• Constant communication with risk champions from various business and support units to increase their operational risk awareness.
• Assist in analyzing and classifying gathered information in order to build up the Risk Register.
• Produce high quality reporting (Heat Map, etc.) in line with the risk and assurance reporting time table. Assist the department head in the preparation of ORM dashboard, calculation of regulatory (Pillar1) & residual (Pillar 2)
operational risk capital, stress testing and any other ICAAP activities related to operational risk.
• Ensure all RCSA accurately reflect the existing risk and controls embedded, and periodic update/maintenance of the
same.
• Ensure that risk event are reported in timely manner and, for material risk event, a root analysis is carried out and that, along with the risk event owner that action plan is properly closed.
• Build and maintain effective relationship with related stakeholders to ensure cooperation and quick closure of action points.
• Deliver value adding risk assessment and advice to change new products to ensure changes to the business risk profile are properly quantified and mitigated /managed within agreed risk appetite.
• Regularly update and maintain the KRI list of all the assigned Business / Support Units.
• Coordinate with the respective Risk Champion and Stakeholders to obtain required information and data of the
assigned Risk indicators, and assess the impact on the KRI measurement.
• Produce regular KRI reports including risk analysis and risk owner feedback (Management Response) and cross link to
action plans.
• Delivered training sessions on Operational Risk Management for the new staff to the bank.
• Backup the resource on the following Insurance management’s activities including :
o Coordinate all meetings and minutes of the committee meetings
o Coordinate between the IMC & Procurement vis-à-vis insurance acquisition and renewal.
o Maintain the claim register and facilitate the operational loss recovery process between the bank and the
Insurance Co.
o Coordinate the ad-hoc and regular (annual) update of the insurance policies and procedure
Responsibilities:
In-depth Industry Reviews focusing, in particular, on industries where the bank has portfolio concentrations
Provide support to technical and functional documentation and risk reporting
Perform portfolio data quality control and validation
Improvement in RMC Pack Preparation process
Improvement in Risk Management Dashboard Pack Preparation process
Assist in development of credit Portfolio Stress Testing Framework
Working with SIMAH in the Data Quality for the NDPP (National Data Pooling Project)
Ensure accurate and timely reports are submitted as regard daily FX and commodity exposure
Portfolio Risk MIS/Reporting (Assist in the collation and completion of the RMC Pack and any other Risk Management
presentation - Ensure analysis, reconciliation, presentation and maintenance of Risk Management MIS -
Coordination/Interface with other departments within the bank for development of Risk MIS )
Assist in the review of reporting to SAMA and for Basel II
esponsibilities:
Receiving and checking the lending documentation for Bank’s clients (Corporation and small business).
Responsible to Securitization finance (finance secured by assignment of proceeds). Achievements:
Developed effective communication skills through contact with client and colleagues in the field of lending. Capacity to priorities tasks and work under pressure in a team environment.
