Credit Assessment Manager
al khaliji Bank
Total years of experience :16 years, 7 Months
Responsible for credit assessment & debt structuring for Private Banking & Personal Banking Ultra High Net worth, whilst managing the existing book of assets held under the same fields
Duties:
Arrange directly with Private Bankers and Senior Relationship Managers to structure deals for Ultra High Net worth Individuals (UHNWI); deals are likely to be in the range of USD 5 million to USD 150 million range.
Engage with RMs in attending client meetings to discuss potential business opportunities with clients, and discuss the best structure for the client financing requests
Review and prepare comprehensive and timely credit analysis within laid down timeframes and quality standards, including the accuracy of financial spreads of the companies owned by (UHNWI); to confirm the suitability of the proposed facility structure to the purpose of the facility and the sources of repayment; and ensure that all credit proposals are complying with the bank’s internal policies and procedures, governed by the Central Bank’s regulations.
Generating & validating credit approval memorandums, for complex transactions, covering all aspects of the transaction; in addition of to the review of complex transactions facility documentation once documents are received from respective parties, to ensure that documents are accurate and capture all approval conditions.
Assist with perfection of security documents where required
Achieving high approval rates, for all cases submitted to credit risk and approving committees, with a minimum targeted approval rate of 85%.
Conduct portfolio review through reviewing preparing monthly & quarterly reports for the portfolio of clients; and ensure that all large -Ticket loans are periodically visited to identify Risks & Mitigates, and any adverse market conditions.
Recommend additional analysis based on trends and/or trigger events identified in routine analysis, and ensure all major issues and deficiencies in all relationships are addressed and solved by RMs on duly manner.
Undertake industry studies and prepare comparisons to peer groups, and ensure the quality of data and analysis
Review of all new product programs prepared by business development team, in order to check its compliance with the bank strategies and guidelines.
Contribute to the Development of a RISK Rating Model for Premium/ Private Clients.
Engage with Audit and regulators when needed.
In charge of managing large corporate relationships & contributing in the institution set profitability projections through acquiring further business to achieve set personal assets and income targets
Duties:
Manage lending relationships with large corporate private entities, and holding groups with minimum turnover of USD 100 Million.
Manage relationships with Government, Quasi Government entities with minimum turnover of USD 500 Million and minimum lending relationship of USD 50 Million.
Managing existing local syndicated loans within the bank’s portfolio, and explore all potential new deals in the market to finance large scale development project, commercial syndicates.
Arrange underwritings for syndicates locally, regionally and international if possible, and performing all related agency roles, and other management roles falls under all syndicates.
Explore all potential large corporate, government, and multinational client with high expected yields, ROA, ROE at studied accepted risks complying with the bank’s internal policies and procedures and governed by the Central Bank’s regulations; throughout origination, negotiation, approval & execution.
Preparing all related Business Credit Applications related to our clients portfolio covering all aspects including but not limited to analysis of corporate & financial data, risk assessment, implementing market/sector/ company research, and processing all related documentations, follow ups, and periodic and annual reviews.
Arrange with all product partners to furnish relationships with all needed services tailored to their satisfaction in order to maximize the overall relationship returns.
Responsible for syndication loans origination, assessment & debt structuring for borrowers, whilst managing the existing syndication book of assets held under the bank.
Duties:
Processing local syndication loans throughout origination, negotiation, approval & execution and arrange with legal team for all related legal documentation, loan amount ranges from USD 30 Million to USD 300 Million.
Manage relationships with clients in a way that satisfy syndicate lenders, and manage relationships with banks in related issues to syndication loans including but not limited to marketing of loans and other structured finance products
Risk assessment and preparing credit review & recommendations addressing client practical needs.
Building, reviewing and analyzing financial models and formulating all financial covenants and proper repayment structures.
Implementing market/sector/company research.
Syndication loans maintenance such as calculating interest rates and commissions related to syndicates and calculate each participating bank share in order to proceed with the distribution of share for participants.
Hold the role of agency manager for international financiers & development banks, covering all onshore banking services and onshore security holders.
Credit Review Analyst, North Africa & Levant (Algeria, Morocco, Egypt & Lebanon)
Responsible for analysis of corporate loans requests submitted from the bank subsidiaries and international braches, covering risk identification, mitigation, and recommendation.
Duties:
Identify risks, mitigates, and validate risk rating to ensure appropriateness of pricing as compared to risk.
Ensure suitability of the facility structure to purpose and sources of repayment, assessing and evaluating financial data to confirm the company ability of debt payment.
Reviewing and evaluating credit review packages which range from USD 5 Million to USD 300 Million, submitted by Corporate and Investment Banking (CIB) within the set out deadlines, and Ensure that packages are in line with set strategy, policies and guidelines.
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Investigate history of subject borrower, credit standing, relationship with the bank, and ensure the quality of analysis.
Generating executive summary reports for complex transactions, and presentation of cases in relation to proposed facilities for higher credit committee
Recommend and obtain approval / decline for credit requests.
Handling incoming advice credit associates with the needed follow ups actions to be taken.
Reviewing and evaluating the approved credit requests within the area delegated authorities, and advising the area with the needed actions if any.