Assistant Vice President , Risk Management Department
Riyad Bank
Total des années d'expérience :12 years, 10 Mois
- Maintaine acceptable Risk Acceptance Criteria of loan products such as (Auto-lease, Mortgage).
- Review loan portfolio regularly and maintain a healthy portfolio.
- Processing various requests made by customers, in an expedited manner, identifying any opportunity to add value to job.
- Enhanced Employer Induction Policy which enabled the bank to induct new employers in a better and a faster way which opened opportunities to finance new potential employees to increase the bank growth.
Monitoring entire spectrum of credit process like transaction structuring, evaluating credit proposals, facilitating in sanctions/disbursement/documentation and ensuring full compliance to organizational policies and procedures.
• Assessing, analyzing, compiling and interpreting complicated financial information, ascertaining income and establishing eligibility, identifying risk areas and providing credit analysis feedback and recommendations to Credit Management.
• Presenting vital inputs in mitigating risks identified with minimum subsequent rework while conforming to prescribed format in addition to periodic reporting to management.
• Reviewing loan portfolio regularly to maintain zero bad debts exposure, identifying significant variations in conduct and stimulating the customers consistently to maintain a healthy portfolio.
• Moderating accounts in sync with organizational policies and procedures facilitating the Credit Management with ongoing review and implementation of credit matrix.
• Processing various requests made by customers, in an expedited manner, identifying any opportunity to add value to job accomplishments thus enhancing organization’s reputation by delivering superior service levels.
• Maintaining requisite documents, files, databases, etc. and verifying accuracy of financial reports and other relevant documents while conforming to various organizational standards/protocols.
• Sustaining a strong working knowledge of products/services and respective marketplaces, including regulatory trends, competitor strategies, product growth, general economic conditions, and other relevant information to maintain and upgrade service.
Highlights:
• Merited “Employee of the Month” award in January 2012 for proficiently handling credit appraisal, loan documentation, compilation and reconciliation of data, portfolio management, customer service, timely review of home finance facilities.
• Successfully completed Standard Development Training Series in July 2011 and earned a “Letter of Appreciation” for 100% excellent performance.
• Demonstrated in-depth knowledge of credit monitoring, credit and market risk exposures, measurement techniques, regulatory and financial market developments and thus recommended for a promotion from the Head of Credit Department.
Key Responsibilities:
• Monitoring entire spectrum of credit process like transaction structuring, evaluating credit proposals, facilitating in sanctions/disbursement/documentation and ensuring full compliance to organizational policies and procedures.
• Assessing, analyzing, compiling and interpreting complicated financial information, ascertaining income and establishing eligibility, identifying risk areas and providing credit analysis feedback and recommendations to Credit Management.
• Presenting vital inputs in mitigating risks identified with minimum subsequent rework while conforming to prescribed format in addition to periodic reporting to management.
• Reviewing loan portfolio regularly to maintain zero bad debts exposure, identifying significant variations in conduct and stimulating the customers consistently to maintain a healthy portfolio.
• Moderating accounts in sync with organizational policies and procedures facilitating the Credit Management with ongoing review and implementation of credit matrix.
• Processing various requests made by customers, in an expedited manner, identifying any opportunity to add value to job accomplishments thus enhancing organization’s reputation by delivering superior service levels.
• Maintaining requisite documents, files, databases, etc. and verifying accuracy of financial reports and other relevant documents while conforming to various organizational standards/protocols.
• Sustaining a strong working knowledge of products/services and respective marketplaces, including regulatory trends, competitor strategies, product growth, general economic conditions, and other relevant information to maintain and upgrade service.
Bachelor's Degree, King Saud University Jun 2011 Major: English Language, Good Grade. Member of English Department Book Club