Risk Management Specialist
Al baraka bank
Total years of experience :10 years, 11 Months
Conducting thorough risk assessments, including identifying potential risks, analyzing
their potential impact, and formulating risk mitigation plans.
Oversee the identification, assessment, and monitoring of risks across all bank
activities, including credit, market, operational, liquidity, and strategic risks..
Building a RAROC model for assessing the performance of the credit portfolio. .
Facilitate the determination of the bank's Risk Appetite and Risk Tolerance levels for all
critical risks ( stress tests ).
Building Basel regulatory report to improve the bank's ability to absorb shocks arising
from financial and economic stress.and strengthen global capital and liquidity regulations
Compute RWAs for credit risk exposure using standardized and internal ratings-based
(IRB) approaches.
Risk Assessment: Conduct in-depth analysis of risk exposures and potential
vulnerabilities. Evaluate the impact of market events, financial products, and regulatory
quantifying the credit risk associated with corporate borrowers and assist in making
informed lending decisions through Creating and validating corporate Probability of Default
(PD) and Loss Given Default (LGD) models to calculate ECL as IFRS 9 requirement
changes on the company's risk profile. Monitor risk metrics, such as Value-at-Risk (VaR),
stress testing, scenario analysis, and sensitivity analysis
Assisted in recruitment and on boarding processes, including sourcing candidates, conducting interviews, and
coordinating orientation programs.
Managed employee records, benefits administration, and performance evaluations.
Facilitated employee training and development programs to enhance the workforce's skills.
responsible for processing and facilitating trade transactions, including letters of credit (LCs), documentary collections,
and open account transactions. to ensure that all required documents and compliance procedures are followed
accurately to facilitate smooth trade between exporters and importers.
conduct thorough risk assessments of trade transactions to identify potential risks and assess the creditworthiness of
involved parties. to mitigating risks associated with cross-border trade, such as currency fluctuations, political risks,
and payment delays.
Managing and reviewing trade-related documents like invoices, bills of lading, certificates of origin, and other relevant
paperwork required for international trade transactions.. Collaborated with cross-functional teams to ensure efficient trade finance operations.
Oversaw the credit approval process, evaluating credit applications and determining creditworthiness.
Managed a team of credit analysts and provided guidance on credit risk assessment and lending decisions.
Monitored credit portfolios and implemented collection strategies to minimize delinquencies.
Effectively underwrite individual applications for Retail Banking products, ensuring compliance with the Bank's Retail
Credit Policy.
Responsible for making key decisions on approval or rejection of applications, based on risk assessment and
creditworthiness of the customers.
Responsible for making key decisions on approval or rejection of applications, based on risk assessment and
creditworthiness of the customers.
Collaborate with the sales team and customers to gather necessary information for accurate and timely decision making.
Keep up-to-date with market trends, regulations, and industry best practices to enhance the underwriting process and
mitigate risks effectively.