AVP – Manager of Report Analysis and Limit Management Application
Riyadh Bank
Total years of experience :20 years, 11 Months
Joined as Credit Administrator, charted an impressive growth curve through exceptional performance to merit promotion to AVP - Manager of Report Analysis and Limit Management Application.
Designation Chronology :
• January 2011 - Present: AVP - Manager of Report Analysis and Limit Management Application
• March 2007 - December 2010: Manager - Senior Analyst
• October 2005 - February 2007: Assistant Manager - Senior Analyst
• July 2003 - September 2005: Credit Controller
• June 2001 - July 2003: Assistant Credit Controller
• October 1997 - June 2001: Credit Administrator
Riyadh Bank is the first bank to implement online interface by means of operational source system with ALGO systems in Middle East.
Highlights :
• Played a key role in supervising ALGO Credit Limit Manager (ACLM).
Key Responsibilities :
• Controlling credit limits on real time basis in close coordination with various other operational systems, thus securing all the exposures of the customers for management simplicity in line with bank standards.
• Instrumental in carrying out development task for further enhancement of the system, ascertaining data accuracy and effective working of the system.
• Spearheading the parameterization in the system and communicating effectively with IT management for ensuring smooth functioning of the bank in an efficient and effective manner.
• Designing and administering all credit related operational and management reports by means of COGNOS application, whilst ensuring strict adherence to bank policies and procedures.
• Influential in identifying, maintaining and supporting management information system and reporting activities inclusive of Management Reporting and Operational Reporting for the Credit Division to assure better work flow.
• Efficiently acquiring IT initiatives to develop MIS reporting specifically products/facility, credit exposure and ad hoc reports as per Senior Managements request through the implementation of Advanced Reporting software.
• Actively participating in obtaining IT initiatives with the aim to develop Credit Risk Management on divisional / bank wide, simultaneously carrying out numerous projects in association with lending activity as requisite from senior management.
• Serving as business owner of SIMAH credit bureau and data requirement analysis, thus examining and responding to customer/bank inquires for further development.
• Evaluating internal/external audit exceptions on credit risk systems and MIS reporting, ascertaining that action plan is in place to resolve audit's exceptions.
• Keeping abreast of latest technological advancements and utilizing the potential of the same to respond to the distinctive needs of the organization.
.Key Responsibilities :
• Accountable for implementing state of the art ALGO Credit Limit Management System (ACLM) in the bank, resulting in controlling credit limits on real time basis in liaison with various other operational systems for the purpose of consolidating all the disclosures of the customers for management ease in line with bank standards.
• Identified and evaluated business requirements along with fostering effective channels of communication with vendors for tailored parameterization in the system and accordingly executing the same in compliance with bank’s business rules and regulations.
• Interacted with the IT department to extort customer information from RB multiple operational systems by means of ETL tools in accordance with business rules/logic to ensure smooth functioning of the bank in an efficient and effective manner.
• Instrumental in inspecting the data quality and resolving the data by way of GL to consistently chart out strategic long term goals and objectives.
• Effectively built data mart for creating automated credit reports for seamless functioning of activities leading to optimal growth chart of the bank.
• Pioneered in executing IBM COGNOS reporting tools along with formulating operational, business, SAMA and management reports and submitted the same to the management for effective decision making.
Key Responsibilities :
• Generated credit database in Oracle and developed automated reports to formulate long and short term strategies for enhancing bank revenues.
• Influential in rendering business inputs and rules for the purpose of drafting credit data base to chart out strategic objectives with corresponding milestones with a view to ensure adequate penetration, market share, growth and performance.
• Promoted customer relations by providing premier customer satisfaction, developing a good relationship with the customer base and responded promptly to customer issues/problems in alignment with the goals and mission of the bank.
• Examined the data base for complete accurateness and simultaneously extended solution to developers for resolving complex issues and business logic in compliance with bank ethics and standards.
• Proficiently extracted data from operational systems into Credit data base on monthly basis for customer use, consequently prepared the automated portfolio reports for senior management for further corrective measures.
• Kept abreast of new developments, changes in policies/procedures to enhance the quality of customer service provided.
Key Responsibilities :
• Spearheaded a team of 6 members and according conducted vital credit related functions inclusive of rendering vital inputs in manual preparation of credit applications encompassing customer exposure per limit, account movement, customer status in watch list/black listed customer's database and SAMA exposure.
• Extended training to the team members pertaining to business knowledge and smooth functioning of the unit along with maintaining a skilled and motivated team.
• Liaised efficiently with unit/department supervisors and customers for ensuring the firms standard of credit control relations are adhered to throughout the bank.
• Evaluated permissible credit for new contract applications and sanctioned the same, post examination of all related documentation, thus prepared agreements and credit analysis report for the senior management for further decision making.
• Analyzed credit policy feasibility in view of revenue generated and profits. Initiated a team to capture, monitor, verify and analyze new contracts, simultaneously incremented, decremented and terminated credit limits in view of credit history.
• Monitored performance of granted credit facilities based on daily and other periodic exception reports and controlled usage of approved facilities, consequently approved proposals within delegated authority to demonstrate sound credit decision-making, in alignment with bank policies/ procedures.
Previous Professional Experiences :
• July 2001 - June 2003: Assistant Credit Controller with Riyadh Bank, Riyadh, Saudi Arabia
• October 1997 - June 2001: Credit Administrator with Riyadh Bank, Riyadh, Saudi Arabia
Training Courses and Certifications : • Principles of Banking • Introduction to Bank Credit • Basics of Credit Analysis • Introduction in Islamic Banking Products for Corporate Clients • Credit Portfolio Risk Management • Advanced Level Risk • Key Risk Indicators • Performance management appraisal • Compliance Awareness Program • Effective Group Dynamics • Engineering Team Development • Cognos Training • Certified Professional Manager (CPM)