Head of Credit recovory and remedial
Jordan Dubai Islamic Bank
Total des années d'expérience :33 years, 2 Mois
Maximize the attention and action moving deep and the maximum possible from the professional sound scientific methods in the management of all available resources and means wise care through adherence to procedures, instructions and policies for the settlement and processing of non-performing in various bank sectors accounts dealers services in the field of corporate and personals that lead efforts to schedule those accounts and / or collection of guarantees for the portfolio of non-performing accounts and maintaining the bank's own assets and optimizing the return or prevent losses and reduce the volume of outstanding allowances and flatus corresponding to that portfolio.
Targets achieved in my new position
establishment of Credit recovory and remedialDepartment of processing as Urgent request from Board of Directors according on above request I finalized the follow:-
Preparation and processing of all policies and procedures Preparation and processing powers required in accordance with the requirement of the department and within specific committees Preparing models for the new department needs The preparation of the job description and main tasks
TEAM LEADER..
Supervise and undertake portfolio analysis (Micro & Macro) to review portfolio performance
•Control and assess sustainability of the portfolio and spread of exposure to inform mid-term portfolio strategy
•Identify and control areas of under-performance and take rectification action
•Managing Risk Rating Credit Scoring Systems
•Complete a full stress testing methodology with regard to credit risk
•Control and overseeing day to day tracking and analysis of overall portfolio performance
•Supervise and review segmentation analysis and management reporting by product type, segment and geographic area
•Oversee provide management information on current performance and risk profile of existing portfolio spread.
•Manage of implementing early warning controls to flag possible breaches
•Periodic review or when necessary to all banking facilities, individually, to make sure there is no negative indicators or slow down requires precautionary action or preventive
•Based on credit risk experience, portfolio performance, and bad loans profiles identify poor risk profiles to inform policy making.
•Monitor external market, competitor practices and economic indicators to identify emerging trends to limit future risk.
•Based on both internal and external analysis, provide specialist guidance and recommendations to inform the development of the Bank’s lending policy.
•Ensures full compliance with Basel II, Regulation, Bank’s lending policy, procedures and best practices
•Monitor non-performing loans and determine appropriate course of action for both local and international operations.
•Control and set provisions for bad loans and initiates recovery procedures.
•Supervise credits processing and classification debts.
•To supervise and coordinate between credit center and external auditing of CBJ auditors and external auditors.
•To develop IT and programs which is related of classifications.
As a result of work within the risk management I have a good knowledge about the following: -
1. Documenting Credit Management
2. A collection management and remedial
3. Policies and procedures and the preparation and presentation of data management (MIS)
4. Market risk
5. Operational risk
Targets achieved in Jordan Dubai Islamic Bank
A. Participated in all stages of conversion Industrial Development Bank from commercial bank to Islamic bank on the level of financial, credit portfolio, IT, and legal.
B. Participated in the cap analysis for Islamic core systems and data to be converted and tested
C. Working with group to resolve all problems with the system Assistance in the preparation of policies for the credit risk.
team leader head of division
Supervise and undertake portfolio analysis (Micro & Macro) to review portfolio performance
•Control and assess sustainability of the portfolio and spread of exposure to inform mid-term portfolio strategy
•Identify and control areas of under-performance and take rectification action
•Managing Risk Rating Credit Scoring Systems
•Complete a full stress testing methodology with regard to credit risk
•Control and overseeing day to day tracking and analysis of overall portfolio performance
•Supervise and review segmentation analysis and management reporting by product type, segment and geographic area
•Oversee provide management information on current performance and risk profile of existing portfolio spread.
•Manage of implementing early warning controls to flag possible breaches
•Periodic review or when necessary to all banking facilities, individually, to make sure there is no negative indicators or slow down requires precautionary action or preventive
•Based on credit risk experience, portfolio performance, and bad loans profiles identify poor risk profiles to inform policy making.
•Monitor external market, competitor practices and economic indicators to identify emerging trends to limit future risk.
•Based on both internal and external analysis, provide specialist guidance and recommendations to inform the development of the Bank’s lending policy.
•Ensures full compliance with Basel II, Regulation, Bank’s lending policy, procedures and best practices
•Monitor non-performing loans and determine appropriate course of action for both local and international operations.
•Control and set provisions for bad loans and initiates recovery procedures.
•Supervise credits processing and classification debts.
•To supervise and coordinate between credit center and external auditing of CBJ auditors and external auditors.
•To develop IT and programs which is related of classifications.
Targets achieved with Development Industrial Bank
• Updated credit policies and procedures provide the best means of protection and safety of the loans granted, improve the quality of products improved performance in terms of time and quality, improving the image of the Bank and the application under criteria for the central bank to increase the annual net value of the portfolio and improve profitability shard in depth in.
• Restructuring IT system, Restructuring old portfolio of loans, Participated in all plans to converting the bank to Islamic bank (visibility study, repair applications for central bank …)
Branch Manager
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Credit Department Supervisor.
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Relationship Officer