أحمد المغاسلة, Head of Risk and Credit

أحمد المغاسلة

Head of Risk and Credit

Gulf Finance

البلد
المملكة العربية السعودية
التعليم
بكالوريوس, Business Administration
الخبرات
18 years, 0 أشهر

مشاركة سيرتي الذاتية

حظر المستخدم


الخبرة العملية

مجموع سنوات الخبرة :18 years, 0 أشهر

Head of Risk and Credit في Gulf Finance
  • المملكة العربية السعودية - الرياض
  • أشغل هذه الوظيفة منذ يونيو 2020

• In charge of overall company's risk management and credit operations.
• Implementing an enterprise risk framework and improving risk understanding and awareness.
• Responsible for reporting risk status to the Credit & Risk Committee and SAMA on a constant schedule.
• Portfolio management: monitoring and reviewing risk tolerance levels to ensure they are appropriate for the overall risk appetite.
• Evaluation and recommend modifications to the company's risk strategy and risk appetite.
• Oversee the underwriting and credit control of all loan files and have.
• Ensuring that all risk criteria are following corporate policy and SAMA regulations.
• Responsible for all credit proposals being submitted to the credit and risk committee.
• Responsible for the portfolio's health and monitoring of the NPL level, as well as taking the required steps to avoid and mitigate the risk of needless losses and unacceptable delinquencies.
• Assist line management in developing and implementing solid rules and processes in business operations.
• Contributes to the company's day-to-day operations and strategy.
• Development of credit policies and procedures following enterprise and credit risk policy requirements as well as SAMA regulations.
• Reviewing and updating credit and risk policies and procedures on a regular and frequent basis.
• Collaborate closely with management and other departments to maintain effective smooth operations.
• Providing appropriate recommendations to the approval authority.
• Conducting a regular assessment of standing credit facilities and lines and customer files.
• Responsible for the legal function, and liaising with lawyers to ensure that all of the company's rights are protected.

Credit Risk Manager Retail & Corporate في Tamweel Al Oula Financial Leasing Company
  • المملكة العربية السعودية - الدمام
  • ديسمبر 2017 إلى مارس 2020

• Responsible for the administration and direction of the credit department.
• Overall responsibility for the credit management function and overseeing the underwriting and credit control of all loan files (auto lease, finance lease, and Tawarruq).
• Responsible for ensuring that all credit files are in line with internal company policy and SAMA guidelines.
• Responsible for preparing and submitting all files to the credit committee as approved in the authority matrix.
• Monitor the performance of the loan portfolio and report to management.
• Contribute to the day-to-day running and strategy of the company.
• Collaborate closely with management and other departments to maintain effective smooth operations.
• Development of credit policies and procedures in accordance with enterprise and credit risk policy requirements as well as SAMA regulations.
• Reviewing and updating credit and risk policies and procedures on a regular and frequent basis.
• Work with management and other departments to maintain effective operations.
• Providing appropriate recommendations to the approval authority.
• Annual review of standing credit facilities/lines and customer files on a regular basis.
• Conducting a regular assessment of standing credit facilities and lines and customer files.
• Improve awareness of risk assessment and credit risk.

Head of Credit Risk Department Retail & Corporate في Tamweel Al oula
  • المملكة العربية السعودية - الدمام
  • ديسمبر 2017 إلى مارس 2020
Manager, Credit & Risk Management في Saudi ORIX Leasing Company
  • المملكة العربية السعودية - الرياض
  • مايو 2005 إلى ديسمبر 2016

• Assisting the Chief Risk Officer to implement the Risk Management Framework.
• Reviewing credit risks of customers also business and financial performance of the customers.
• Reviewing credit proposals submitted for approval and ensuring completeness correctness, and compliance with credit policies.
• Conduct frequent visits to clients with the relationship managers and assess the present and future business plans.
• Providing appropriate recommendations to the approval authority.
• Conducting an independent verification of the leased asset and handling matters related to real estate valuation.
• Ensuring compliance with local directives from SAMA.

الخلفية التعليمية

بكالوريوس, Business Administration
  • في King Faisal University
  • يناير 2016

Bachelor Degree in Business Administration

Specialties & Skills

Credit Risk
Strong Communication Skills
Familiar dealing with numbers and preparing MIS reports
Strong Knowledge in corporate, auto and real estate leasing business
Problem solving and critical thinking
Credit analyzing
Strong knowledge in low

اللغات

الانجليزية
متمرّس
العربية
متمرّس

التدريب و الشهادات

Soundness of Real Estate Instruments (تدريب)
معهد التدريب:
Adel Legal Training Center
تاريخ الدورة:
April 2014
المدة:
8 ساعات
English for Effective Business Writing (تدريب)
معهد التدريب:
Banking Institute
تاريخ الدورة:
February 2014
المدة:
24 ساعة
Intermediate Financial and Credit Analysis (تدريب)
معهد التدريب:
Saudi Investment Bank
تاريخ الدورة:
April 2012
المدة:
8 ساعات
Credit - Excel Financial Modeling Certificate (تدريب)
معهد التدريب:
Saudi Investment Bank
تاريخ الدورة:
November 2011
المدة:
40 ساعة

الهوايات

  • Media, Motorcycles