Vice President - Senior Credit Officer - SME & Financial Restructuring
National Commercial Bank - Alahli Ncb
مجموع سنوات الخبرة :11 years, 6 أشهر
- Credit Approval Authority on Corporate accounts (SME & Financial Restructuring) Units as per the Bank’s approval matrix
- Pro-active monitoring on the performance of assigned corporate portfolios regarding (Growth, Delinquency, NCLs & Provisioning)
- Continuous alignment with Business Units regarding the strategy/performance of accounts
- Joint Site visits/ client calls on (Performing, Non-performing, Troubled) clients
- Setting restructuring & remedial management strategies for problematic/defaulted accounts
- Involvement in Creating/Developing Credit Programs & Credit policy manuals
- Contributing/representing Corporate Risk Management team in Next Gen project (Core Banking System Enhancement) towards
setting TM/RAC, Approval matrix routing process, User Testing.
- Developing Corporate Risk Management’s Dash Board with the objective of reducing overall Turn Around Time, showing overall
group performance and adherence to KPI parameters
- Analyzing Credit and apply balanced decision making to each credit proposal and recommend solutions to mitigate the potential of a Credit Los to Senior Credit Officers
- Monitoring and reporting Delinquent accounts
- Aiding in the development of Credit Programs and workshops for Relationship Managers on the Business side
- Checking/following up on Account Classifications with Business Units and making sure that classified accounts & set triggers are
met and complying with SAMA & The Bank’s policy /regulations
- Building Databases of defaulted accounts and create DashBoards on the SME Portfolio
- Being a part of CQRT (Credit Quality Review Team) which included analyzing SME portfolio and reporting Root Cause analysis for
Defaulted accounts, Analyzing Business Credit Approvals to verify compliance to Corporate Credit Policy Manual, Attending Pre- CRMC meetings monthly, Tracking Rescheduled accounts on monthly basis, Credit Grouping& Related Obligations Project
•Conducting Credit Risk Analysis & Approvals on Corporate Accounts.
•Balancing the Capital Adequacy Ratio of the Bank in regards to loan disbursement throughout the different corporate sectors.
•Minimizing percentage of provisions and bad debt through applying effective Risk mitigation methodologies.
•Updating Credit Policy Manual on Quarterly basis to comply with SAMA & BASEL lll Requirements accordingly.
•Analyzing industries in terms of Risk and Profitability to regulate new customer acquisition criteria on the business side.
•Applying Risk controls on credits and corporate portfolios to mitigate the Risk of Defaults and non- performing loans.
•Negotiating Rescheduling terms with delinquent clients and develop solutions to optimize facility reduction on gradual basis with the least losses possible to the Bank.
•Analyzing Business Approvals on Credit to verify compliance to Corporate Credit Policy Manual
•Analyzing Credit and apply Risk Methodologies to each and recommend solutions to mitigate the potential of a Credit Loss
•Monitoring and reporting Delinquent accounts
•Developing Credit Programs and workshops for Relation Ship Managers on the Business side
•Building Databases of defaulted accounts and create Dash Boards on the Middle Enterprises Portfolio
•Full intensive 8 months training program covering all aspects of Banking and leadership, the program includes the following:
•On Job Training
-Retail Banking -Corporate Banking
-Treasury Group -Operations Group
-Risk Group -Legal Group
-Audit Group -IT & Digital Banking Group
-Finance Group -Islamic Finance Group
•Competency Courses
-Team Building & Leadership
-Negotiation Skills -Communication Skills
•Technical Courses
-Risk Management & Basil III
-Treasury Products
-Credit Analysis
-Financial Accounting
-Compliance
-Anti Money Laundry & Fraud
-Problem Solving & Decision Making
-Project Management
-Foreign Trade Operations
-Islamic Finance
Achievements:
-Advanced knowledge in financial product distribution and presentation skills to customers
-Automating designated daily work processes through Microsoft Excel to maximize work efficiency and activity load effectiveness
-Building and maintaining a portfolio of customers Facilities
-Promoting and maximizing the development and growth of residential mortgage business
-Promoting and selling lending and deposit products and services while applying sound risk analysis techniques and credit adjudication judgment
(Internship Program through Bond University)
-Conducting a Feasibility Analysis Report to implement Cloud Computing Systems to the college’s networking infrastructure
-Gathering analysis in coordination with Education Queensland (Australian Higher Education Federation) in regards to implementation specs capabilities and policy restrictions
-Assuring ongoing maintenance procedures in accordance with effective change management methodologies after implementation processes
Bond University - Bachelor of Information Technology • Majoring in Information Technology Management •Saudi Arabian Representative – Bond University Scandinavian Students Association •Capstone Project- Internship program affiliated with an Australian Education Federation entity (Varsity College)
• Advanced academic skills - (Writing, Reading, Speaking, Listening, Communication Skills) • Professional use of Microsoft Office - (Excel, Word, Outlook, PowerPoint)