Ady AlSheikh

Part of the Credit Audit team in charge of auditing & reviewing the bank's Credit functions in MENA region to report any breakdowns, failures /weaknesses noted during Internal Audit work, together with appropriate recommendations for remedial action.
Duties Include:
•Planning for Audit Assignments/Reviewing plans to ensure proper coverage & emphasis on significant issues/areas.
•Preparing/Reviewing Audit Reports to ensure they are done in accordance with the set standards.
•Communicates results of Assurance/Consulting projects via Written reports and Oral presentations to CAE/Audit Committee.
•Evaluate Policies & Procedures for adequacy of Risk Management, Internal Control & Governance.
•Assessing Effectiveness & Efficiency of the Bank Functions/Departments in accomplishing their objectives.
•Conduct independent investigations when requested by the Senior Management/Audit Committee
•Participated in preparing Risk Based Audit plan/Assurance Mapping/Control Self Assessment projects.
•Reviews External reports (Regulators & External Audit) to submit recommendations regarding any necessary actions.
•Reviewing issued Regulations related to Credit/Risk in order to update Working Programs & ensure Adequate Coverage.
•Participates in evaluating the Internally Developed or Bought Systems to ensure availability of Controls and Validations.
•Worked closely with the External Assessment Team to ensure Adherence with IIA Mandatory Guidance/Audit Charter.
•Reviewing Working Papers/Recommending Potential Improvements/Developing Audit Programs & Checklists.
Audited Programs & Departments: SMEs, Retail Loans, Corporate Investment Banking (CIB), Remedial & Collection, Operations Dept., Credit Admin & Control, Financial Institutions. Audited Programs (Jordan, UAE, Qatar, Egypt, Algeria, Singapore, Morocco & Lebanon Credit Portfolios).

Part of the Internal Audit department with a major focus on Operations & Credit activities in order to ensure robust controls and adherence to corporate governance that supports the Bank’s continuing growth and Business Diversification Strategies.
Duties Include:
 Perform Investigation of highly classified/risky issues in order to solve them and prevent their occurrence in the future.
 Part of the team responsible for developing & updating comprehensive auditing guides & checklists.
 Reviewing the Bank’s Policies, Procedures, Forms & Circulars before their issuance.
 Chosen to review CBJ circulars, external audit reports & audit committee recommendations to ensure acting upon their remarks.
 Prepares the detailed audit plan that includes specifying the representative sample to be audited and the scope of the audit work.
Audited Programs & Departments: HR(Organizational Development, Health Insurance, Talent Management & Training), Policies & Procedures, Business Transformation, Customer Experience, Remedial & Collection Depts.

Part of the Branches, Credit & Operations audit team that is in charge of auditing the bank’s Branches/Representative Offices/Departments in 8 different countries in addition to almost 130 branches in Jordan to evaluate operations and find ways to optimize performance through Risk Management, Control and Governance processes.
Duties Include:
 Understand the business, the control environment & perform preliminary planning analytical procedures.
 Perform fraud investigations when needed.
 Prepare summary reports on audit findings; coordinate with management as to the weaknesses in the internal control system & other issues arising during the scope of audit; participate in preparing recommendations.
 Chosen by the chief audit executive to perform specialized audit programs to ensure conformance with Policies and Regulations.
Audited Programs & Departments: Branches, Collection & Remedial, Training & Development, Procurement, Credit Review, Credit Administration, Credit Control & Monitoring, Transfers, Cheques Clearing, Compliance.

Assessing and making decisions about corporate customers’ credit applications using a range of criteria including purpose of application, credit viability, customer payment history, customer credit-worthiness etc.
Duties Include:
 Gathering information & visiting clients.
 Reading Financial Briefings.
 Assessing, analyzing and interpreting complicated financial information.
 Undertaking risk assessment analysis.
 Keeping bank credit exposures within set risk bearing limits.
 Using credit-scoring systems such as Moody’s Risk Rating System.
 Helping to enhance the quality of credit applications.
 Making recommendations about procedural/policy changes.

Duties Include:
 Studying/Analyzing customer’s various loans applications (Housing, Auto, Personal & Credit Cards).
 Committee member of approving credit facilities within specified authorization limits & submitting recommendations for higher limits.
 Committee member of credit scoring system analysis.
 Develop & upgrade HBTF loan products inclusive of product lines, policies & procedures aligned with market needs.
 Assessing TML companies in terms of employee turnover, delinquent accounts & major business changes.

Duties Include:
 Identifying customer needs & addressing them to appropriate banking service by selling different products/services.
 Daily banking transactions including (Branch sales, account analysis, issuing LCs and LGs, customer service and credit analysis).
 Counsel corporate clients and high net-worth individuals with regard to their borrowing/deposit needs.
 Interacting with the bank customers to provide them with information to address inquiries regarding products/services & to help resolve any customer complaint.