مجموع سنوات الخبرة: 39 سنوات, 5 أشهر
يونيو 2009
إلى حتى الآن
Head of Compliance & AML
في Bank of Syria and Overseas
البلد :
سوريا - دمشق
Managing all facts of Compliance Department and AML unit
• Compliance Function at BSO
• Know Your Client and Customer Profile Form
• Client Risk Assessment
• Anti Money Laundering / Combating Terrorist Financing
• Local Regulation Pertaining to AML and CTF
• Reporting Fraudulent, Suspicious Activities / Transactions
• Whistle Blowing Policy
• Code of Conduct
• Information Security
Improved/Wrote/Updated Compliance Management policy and procedures manual and developed personnel forms to maximize efficiency
• Compliance Function at BSO
• Know Your Client and Customer Profile Form
• Client Risk Assessment
• Anti Money Laundering / Combating Terrorist Financing
• Local Regulation Pertaining to AML and CTF
• Reporting Fraudulent, Suspicious Activities / Transactions
• Whistle Blowing Policy
• Code of Conduct
• Information Security
Improved/Wrote/Updated Compliance Management policy and procedures manual and developed personnel forms to maximize efficiency
أغسطس 2008
إلى يونيو 2009
Senior Credit Analyst -Asst. Manager / Companies Auto Murabaha
في Dubai Islamic Bank
البلد :
الإمارات العربية المتحدة - الشارقة
• Making decision on all Auto Murabaha cases by analysing and recommending the same on the basis of borrower’s character, integrity, capability of repayment, business, economic and personal conditions, capital input and collateral available.
“Capabilities in analysing company financials, cash flows and projections using ratio based
analysis”.
• To cross check and authenticate all auto Murabaha proposals/applications through source documents and verifying the progression of an application through proper cycle, hence effectively ensuring that all retail assets are booked as per the laid down procedures of the bank.
• To ensure consistent application of credit policy, quality of underwriting decision and authenticity of documents.
• To identify anomalies/gaps in credit policy guidelines & operational processes and to recommend modifications.
• To act as on-line consultant to branches and direct sales force to structure/restructure the facilities.
• To ensure timely handling of all applications received at Retail Credit- Auto Department.
• Adherence to Standard Operating Procedures (SOP) and ensure no deviation is reported from any quarters.
• Undertake projects assigned from time to time.
“Capabilities in analysing company financials, cash flows and projections using ratio based
analysis”.
• To cross check and authenticate all auto Murabaha proposals/applications through source documents and verifying the progression of an application through proper cycle, hence effectively ensuring that all retail assets are booked as per the laid down procedures of the bank.
• To ensure consistent application of credit policy, quality of underwriting decision and authenticity of documents.
• To identify anomalies/gaps in credit policy guidelines & operational processes and to recommend modifications.
• To act as on-line consultant to branches and direct sales force to structure/restructure the facilities.
• To ensure timely handling of all applications received at Retail Credit- Auto Department.
• Adherence to Standard Operating Procedures (SOP) and ensure no deviation is reported from any quarters.
• Undertake projects assigned from time to time.
يناير 2007
إلى أغسطس 2008
Senior Credit Officer - Asst. Manager , Retail Credit - SME
في Dubai Islamic Bank
البلد :
الإمارات العربية المتحدة - دبي
• Analyze and assess all risks associated with Corporate financing / Investment proposals and make relevant recommendations.
• Provide support to Credit Risk Manager and other staff in the division in the matters related risk management. Also, suggesting changes in policy and procedures
• Review the credit proposals on a regular basis to assess its conformity with approved policies and norms as well as market trends.
• Suggest and monitor changes in the risk rating of a specified client portfolio.
• Monitor that the portfolio / accounts are performing in line with the business utilization and covenants.
• Provide support to Credit Risk Manager and other staff in the division in the matters related risk management. Also, suggesting changes in policy and procedures
• Review the credit proposals on a regular basis to assess its conformity with approved policies and norms as well as market trends.
• Suggest and monitor changes in the risk rating of a specified client portfolio.
• Monitor that the portfolio / accounts are performing in line with the business utilization and covenants.
نوفمبر 2005
إلى يناير 2007
Consultant/Financial Planner
في Investors Group
البلد :
كندا
• Build a prosperous and successful business by helping clients achieving their financial goals depending on their current financial situation.
• Developed solid, long -lasting relationship with clients and help them meet their financial goals.
• Show clients how to build and manage their financial wealth and security; build reasonable wealth / assets for the future.
• Developed a customized financial plan for clients; Helped clients select the products to implement the plan; and provided clients with ongoing personalized service.
• Discussing investment performance of a fund, including rating, ranking, quotations, rate of return, yield, volatility or /and any other measurement of performance.
• Developed solid, long -lasting relationship with clients and help them meet their financial goals.
• Show clients how to build and manage their financial wealth and security; build reasonable wealth / assets for the future.
• Developed a customized financial plan for clients; Helped clients select the products to implement the plan; and provided clients with ongoing personalized service.
• Discussing investment performance of a fund, including rating, ranking, quotations, rate of return, yield, volatility or /and any other measurement of performance.
نوفمبر 2003
إلى نوفمبر 2005
Owner/Managing Director
في S.A.M. Medicinal Plants
البلد :
كندا
As an owner of new established company, I was managing all affairs of the company including marketing, sales, logistics and management. Company still up and running till date under separate management / partnership.
• General Management of the business’s daily operations- including, control of all orders; advertising; Distribution, and inventory of supplies plus regular account management and bookkeeping.
• Strategic sales and marketing planning and customer relationship management
• New business development and scheduling of meetings with store managers for promotional purposes
• General Management of the business’s daily operations- including, control of all orders; advertising; Distribution, and inventory of supplies plus regular account management and bookkeeping.
• Strategic sales and marketing planning and customer relationship management
• New business development and scheduling of meetings with store managers for promotional purposes
أكتوبر 1998
إلى أكتوبر 2003
Senior Credit Analyst - Unsecured Preducts
في MashreqBank
البلد :
الإمارات العربية المتحدة - دبي
• Involved in Credit initiation of Personal Loans & Credit Cards as per the stipulated credit policy, governed by the bank’s retail credit program.
• Part of the task force in the Credit Initiation on all process related issues involving new products & new Credit Policy launches. Task force was providing End-to-End process solutions.
• The job involved providing feedback to the Policy Department on Credit/ Process related issues.
• Analysing parameterized credit proposals and exercise authority in decisioning based on eligibility, bank statements, and past data check on system; supplementary documents attached with the proposals from legal point of view
• Approved, declined, rejected and/or escalated the proposal based on standard evaluation procedures in accordance with policy and process domains
• Ensured that quality services for the internal branch marketing and customers were met by adhering to the committed turnaround time
• Handling all rescheduled loans and all recovery and collection department cases.
• Part of the task force in the Credit Initiation on all process related issues involving new products & new Credit Policy launches. Task force was providing End-to-End process solutions.
• The job involved providing feedback to the Policy Department on Credit/ Process related issues.
• Analysing parameterized credit proposals and exercise authority in decisioning based on eligibility, bank statements, and past data check on system; supplementary documents attached with the proposals from legal point of view
• Approved, declined, rejected and/or escalated the proposal based on standard evaluation procedures in accordance with policy and process domains
• Ensured that quality services for the internal branch marketing and customers were met by adhering to the committed turnaround time
• Handling all rescheduled loans and all recovery and collection department cases.
أكتوبر 1996
إلى أكتوبر 1998
Senior Credit Analyst - Secured Products (Auto Loans)
في MashreqBank
البلد :
الإمارات العربية المتحدة - دبي
• Conducted auto finance market analysis for competitive marketing evaluation
• Identified strengths and weaknesses of competitive marketing and re-negotiated with referring auto finance officers and branches
• Analysing proposals for loan rescheduling and early settlement fee reduction/waiver proposals
• Recommending improvements and changes to the standard operation procedures, credit policy, and product manual
• Analysing bank statements and past data check on system relating to auto loans for assurance purposes
• Identified strengths and weaknesses of competitive marketing and re-negotiated with referring auto finance officers and branches
• Analysing proposals for loan rescheduling and early settlement fee reduction/waiver proposals
• Recommending improvements and changes to the standard operation procedures, credit policy, and product manual
• Analysing bank statements and past data check on system relating to auto loans for assurance purposes
أكتوبر 1993
إلى أكتوبر 1996
Legal & Human Resource Manager
في Al Bayader L.L.C
البلد :
الإمارات العربية المتحدة - دبي
• Co-ordinated the lodgement of all cases related to late payments and controlled all company contracts and legal affairs
• Followed up on all legal applications submitted to ministries and other government departments
• Controlled the Legal Affairs Division including the Lawsuit and Litigation section
• Managed all facets of human Resource Department and the Public Relations department
• Improved/Wrote/updated Human Resource Management policy and procedures manual and developed personnel forms to maximize efficiency
• Followed up on all legal applications submitted to ministries and other government departments
• Controlled the Legal Affairs Division including the Lawsuit and Litigation section
• Managed all facets of human Resource Department and the Public Relations department
• Improved/Wrote/updated Human Resource Management policy and procedures manual and developed personnel forms to maximize efficiency
فبراير 1990
إلى أبريل 1993
Advocate
في Zoubari Law Consultants
البلد :
سوريا
Advocate
نوفمبر 1984
إلى فبراير 1990
Head of Legal Department
في General Company for land reclamation
البلد :
سوريا
Administrative and Legal Affairs Devision - Lawsuit and Litigation Section.
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