Deputy Regional Head / Team Leader
Ajman Bank
مجموع سنوات الخبرة :12 years, 2 أشهر
1. Lead, and manage a Corporate Team handling a considerable portfolio covers Sharjah, Dubai and Northern Emirates Region.
2. Act as a Functional Regional Head, since the existing Regional Head focuses more on Region adminstrative and strategic plans.
3. Pack-up of Regional Head during his absence.
4. Manage the members of the Team as a relationship-oriented credit and marketing group. Develop work flows for each Team member which ensures that correct emphasis is given to present customer relationships, new business generation and efficient administration.
5. Define market and customer sectors for profitable marketing activities, including the proper analysis of data concerning prospect and existing clients, which leads to the recommended plans to enhance the profitability of the Team.
6. Evaluate marketing opportunities for the Team and develop tactics of accomplishment, in order to meet the overall Bank’s objectives, i.e. portfolio size and quality, profitability, low-cost deposits.
7. Achieve and maintain high client’s satisfaction levels.
8. Recommend new business proposals for approval, by developing with the responsible Team members, proceeding the necessary analysis and reports to support new business proposals, in accordance with the Credit Policy Guide with the incumbent acting as the first level of approval.
9. Review regularly all current facilities and outstandings managed by my Team. Ensure the timely presentation of annual Reviews; respond to timely exception reports and follows-up with Relationship Managers on all exceptions, whether of excess in line or of a documentary nature.
10. Review, assess and negotiate facilities terms, securities and pricing.
11. Responsible for the whole credit proposal write up and related assessment comply with the Bank’s credit policy and risk appetite. This process includes but not limited to, deep and thorough credit and financial analysis, risk and matigating factors, profitability and risk base pricing, collaterals and securities perfection, covenants compliance status, projects status, industry outlook and business strategy, Banks’ relationships and Central Bank, ways-out analysis and recommendation to the concerned committee.
12. Analyze and report the Audited Financial Statements (AFS) and Interim Financial Statements (IFS) whenever they are required. This analysis is the responsibility of the Team and should be in depth as such most of figures and ratios are to be verified and clarified accurately.
13. Closely monitoring of borrowers to ensure, optimal utilization of limits, compliance with facilities terms and conditions, collaterals and securities in order, suitable performance of their activities compared to industry and structure changes / negative signs are seen & under control.
14. Undertake such other related projects as senior management may direct, such as product research and development, product profitability, market sector analysis and intelligence gathering.
15. Evaluate the efficiency and performance of the Team staff members.
as per attached CV
Under Graduating
Close to Grade (Very Good) , it's 75.4% out of 100%