Ahmed Gharwi

• Managing Distressed Assets, overseeing Corporate portfolio that are in default or at risk of default, to maximize higher recovery rates and minimize actual credit losses for the bank, to decrease the need for provisions and ECL.
• Loan Workouts and Restructuring. Negotiating with borrowers to restructure loan terms, modify payment schedules, or develop workout plans by analyzing financial statements, assessing collateral, and evaluating the borrower's ability to repay. Help borrowers return to financial health, which lowers the probability of default (PD)
• Identifying and assessing potential risks associated with distressed assets. Developing and implementing strategies to mitigate those risks, to prevent assets from deteriorating further and helps to avoid the migration of assets to higher-risk stages.
• Legal and Regulatory Compliance. Ensuring that all actions taken comply with applicable laws and regulations. Working with legal counsel to pursue legal remedies when necessary.
• Asset Recovery. Managing the process of recovering assets through foreclosure, repossession, or other means, this involves selling assets or liquidating collateral.
• Reporting and Documentation. Maintaining accurate records of all activities and preparing reports for management. Providing regular updates on the status of distressed assets.

Establish and supervise implementation of policies and procedures for managing non-performing, potentially defaulting loans, and early warning signs, contributing to reduction of credit risks within the bank. Lead design and oversight of performance indicators and strategic planning for credit risk management, ensuring alignment with bank's comprehensive strategy and regulatory compliance.
 Established a specialized asset management department, formulating procedures and strategies to manage and reduce default loans, overseeing successful implementation, and contributing to notable decrease in credit risk exposure.
 Supervised development of performance indicators, aligning each with bank's objectives, and proposed advanced measurement mechanisms, heightening efficiency and accuracy of bank's credit risk monitoring and management.
 Led integration of bank's policies with regulator, automating services and coordinating with relevant departments, facilitating streamlined loan management processes, governance, and compliance with regulatory standards.
 Review and evaluate Credit Application requests, based on quantitative and qualitative background by reviewing financial performance, business profile, industry position, repayment ability, collateral adequacy, account conduct, etc, to ensure credit facilities are properly structured, priced and adequately collateralized, without leading the company into future liquidity squeeze and over leverage problems. Comprehensive study of opportunities offered by existing or potential clients in the market.
 Creating, implementing and administering the Bank’s Credit Risk strategies, policies, procedures, credit approvals, portfolio management, portfolio reporting, credit administration and remedial management.
 Developing a framework for risk appetite and risk tolerance limits, credit rating policy, models, and mechanisms. Update the current PD models and compute PD estimates as per IFRS 9 guidelines.

Advocated business strategy development, unit establishment, and market penetration for small enterprises, micro-businesses, and startups, serving as consultant to four general managers/departments while managing projects and facilitating conflict resolution.
Lead financial assessments, operational improvements, product quality enhancements, and strategic transitions; provide advisory on policy alignment; develop financial projections; and execute risk mitigation strategies for business growth and sustainability.
 Devised and employed digital solutions, innovative business models, and targeted objectives, driving 50% increase in customer satisfaction and streamlining bank resource utilization.
 Orchestrated overhaul of "MSB" service, fostering integration of cutting-edge digital platforms, yielding superior service efficiency and transformative user experience.
 Executed in-depth market and industry analysis, identifying key benchmarks, steering sales growth, achieving notable cost reductions, and bolstering business portfolio growth through strategic relationship-building initiatives.
 Forged and nurtured resilient, trust-based relationships with major stakeholders, solidifying retained business footholds and capturing lucrative ventures by gauging risk and return on investment (ROI) metrics.
 Deployed comprehensive process refinement strategy, decreasing turnaround time, introducing agile workflows, and initiating employee motivation mechanisms, promoting steadfast course of goal attainment.
 Shaped complex short-term and long-range financial trajectories, utilizing detailed evaluations of business fiscal health, growing market dynamics, and industry benchmark insights.
 Advocated for new product initiatives and strategic partnerships, establishing checks and balances for non-performing loans.

Steered expansion of portfolio management division's revenue by handling financial performance analysis, report monitoring, asset management, and financial planning in alignment with bank's primary goals.
Supervised KPIs for 4 major units and collaborated with senior leadership teams to design strategies, launch innovative programs, enhance product reach, and strengthen risk management processes.
 Spearheaded establishment of portfolio management division, leveraging anticipatory customer behavior analytics and enhanced product oversight to drive consistent revenue growth and support bank's leadership in MSB market.
 Fortified business foundation for expansion and future growth by integrating new protocols in line with central bank regulatory standards, enforcing anti-money laundering (AML) and know-your-customer (KYC) mandates.
 Strengthened portfolio's essential quality by identifying and capitalizing on opportunities to refine financial planning methodologies and workflow optimization.
 Attained bank's revenue targets by planning and executing strategies emphasizing recruitment of key personnel, expansive product marketing, advanced incentive frameworks, compliance adherence, and branch-level engagement.
 Mentored teams to cultivate autonomous problem-solving ethos, promoting navigation through challenges and roadblocks.
 Amplified turnaround efficiencies by introducing streamlined procedures, policies, and protocols, fostering reductions in structured lending product risk, bolstered profitability, and carving pathways for business evolution and growth.
 Achieved high net promoter score (NPS) ranking among banking institutions, reflecting superior customer loyalty and satisfaction.

Initiated and developed strategies for establishing portfolio quality and special asset management division, collaborating with senior executive teams to evaluate long- and short-term business objectives. Reviewed three portfolios' performance to advise on risk-related policy improvements while managing PDO customers and overseeing debt collections.
 Championed infrastructure project focusing on credit program automation, facilitating refinement of risk assessment criteria, streamlined workflows, strengthened controls, and mitigated risk exposure.
 Directed multifaceted initiatives encompassing training, recruitment, product marketing, promotional drives, risk oversight, and forecasting, culminating in 120% achievement of annual target.
 Coordinated production enhancements and closures, identifying discrepancies in loan frameworks, competitor landscape, industry trends, and leadership dynamics.
 Delivered insights and recommendations that triggered decrease in bad debt and elevation of overall portfolio performance.
 Institutionalized, supervised, and reinforced financial procedures and policies to ensure operational efficiency and compliance.
 Pioneered asset management best practices, focusing on overdue obligations and debt collection, by endorsing financial policies and advocating payment settlement solutions in collaboration with segment leaders, risk experts, and revenue strategists.

• Drove plans to grow the portfolio by acquiring & attracting clients, increase revenue in acceptable risk profile requirements
• Led the execution of the portfolio management strategies and monitoring of performance deficiencies for SME
• Maintained strong and healthy client relationships by conducting regular site and office visits to offer support and guidance
• Mentored & motivated a team of Relationship Managers & Senior RM’s to achieve goals and resolve challenges effectively
• Implemented strategic risk management concepts, short & long-term business objectives, & sustainability opportunities
• Resolved deficiencies including working past dues, overdrafts, insurance exceptions, and financial exceptions
• Developed and maintained the team’s portfolio of SME clients, conducted detailed financial analysis of the client accounts, and prepare proposals within defined bank procedures that ensured continued relationships
• Designed and structured trade finance and treasury transactions and facilities using analytical and constructive thinking
• Conducted risk analysis of customers in the SME segment to appraise their creditworthiness for business financing

• Provided oversight for classified accounts that had past dues greater than 90 days for Corporate, Commercial, and SME
• Identified opportunities to maximize the recovery, mitigate ultimate loss and minimize eventual provision needs
• Educated clients regarding possibilities of legal and punitive action and ramifications when payments were not cleared
• Led recovery strategies to offer cash or by the liquidation of assets and securities, by restructuring or rescheduling borrower facilities and obtained additional securities to minimize non-performing portfolio and provisions held
• Reviewed the bank performance of loans recovery & advised the leadership teams on improvements to minimize bad debt

Key Responsibilities as Relationship Manager:
• Analyzed all financial statements, reviewed cash flows & all other financial data provided by delinquent customers and prepared proposals for the corporate remedial committee in accordance with standards.
• Coordinated with real estate stakeholders and ensured maximum recovery of portfolio achieved through expeditious foreclosure of mortgaged property.
• Evaluated permissible credit for clients and submitted documents to executive management for approval, post examination of all related documentation to prevent clients’ indebtedness.
• Coordinated with the clients' for repayment of debt and implemented an action plan for remedial management.
• Regularly coordinated for customer aspects including payments schedule, valuation, documents validation, guarantees, etc.
• Ascertained the rise in profitability through extensive planning, collaborating with all customers for recovery of loans and accomplishing the departmental objectives related to recovery of classified portfolio.
• Significantly improved asset quality by restructuring/ rescheduling facilities, obtaining additional securities and recommending necessary amendments in risk rating.

Key Responsibilities:
• Analyzed all financial statements including Cash Flow Statements, Balance Sheets, Profit & Loss Statements, and other accounts to make financial projections for new clients requiring financial assistance.
• Prudently recognized different business patterns emerging due to the changing circumstances for businesses belonging to different industries.
• Efficiently reviewed credit proposals based on credit appraisal models used by the bank coupled with Moody’s system of analyzing risks and accordingly advised the bank on case to case basis.
• Actively participated in conscientious discussions about credit proposals with financial analysts to get a business perspective as well as added business angle to credit approval decision before finalization.
• Diligently reviewed market position of the businesses while taking into consideration several other factors of key importance including product pricing structure, change in sales volume, and variable as well as fixed costs.
• Encouraged writing good credit through identification of high quality portfolio while removing infected portfolio leading to decreased credit risk.
• Eradicated unnecessary business expenditures consequently leading to rise in organizational efficiency and productivity.