amer anouti

• As Director of Credit at Arab Bank-Algeria, with a balanced view of risk, return and growth in lending. Responsible for the day-to-day oversight and administration of the Bank’s loans.
• Actively participate in leading Arab Bank-Algeria as member of the Senior Management Country Committee. As well being a member of Country Credit Committee.
• Lead, manage and direct the Credit Departments/Units as follows:-
 Credit Review Department.
 Credit Administration & Control Department/Units.
 Remedial & Collection Management Department.
• Review credit requests to ensure long-term asset quality presented for approval.
• Build and maintain high performance origination, underwriting and processing teams according to policy and risk appetite.
• Responsible, through the Lending Officers, for collection and management of all collection efforts, including bankruptcy management, foreclosures and repossessions.
• Build and maintain a high performance division management team thru development and succession planning along with process optimization.
• Monitor the lending portfolio to ensure that staff and RM’s operate in accordance with applicable laws and regulations, as well as the bank’s approved policies and procedures.
• Maintain, update and recommend changes to the Bank’s loan policy as it pertains, not limited to, underwriting criteria, structure requirements, pricing guidelines, collections and charge-offs.
• Review loan losses provision reports and recommend adjustments to the methodology as necessary to ensure the Bank has adequately reserved for the risk inherent in the Bank’s portfolio along with IFRS 9.
• Ensure the competency and accountability of lending and credit staff and set expectations for training and development of personnel in order to provide for continued career development.
• Monitor and report on the asset quality of the loan portfolio, including delinquencies, loan concentrations and profitability analyses.
• Budgeting and Fiscal: To prepare, implement, and adhere to the credit area’s annual budget.
• Work with Loan Support Department to ensure that applicable areas provide prompt and efficient service to external and internal customers according to established procedures and policies.
• Coordinating to the examiners (internal-external), all “credit related” examination data, document requests and information that is needed. Be available to respond to all “credit related” questions.
• Participate in overall management of the Arab Bank-Algeria and assist in achieving the long-term profitability, influencing asset quality and prudent long-term strategic direction.

• Promoted to Credit Manager/Head of Credit Strategy Unit in Credit Division with direct reporting to Head of Credit and CRO. Responsible for assessing, analysing and presenting specialized credit applications to estimate degree of credit risk involved in extending credit facilities to companies / firms or individuals and assisting in final credit decisions to senior management. I also helped build, review and recommend on credit policy approval framework and strategy elements across a number of industries and sectors.
• Help mitigate losses and increase profitability by providing input to improve and standardize corporate credit practices, identifying potential problem credits at an early stage and recommending action to be taken by Credit Officers and RM’s.
• Improving the growth of the Bank’s income thru Structuring of new products and services for the Corporate Sector in line with the market practice such as “Real Estate Escrow Account” as a new product for Riyad Bank; dealt with and ensured compliance with Saudi Arabian Monetary Agency (SAMA) Regulations and Ministry of Commerce.
• Formulated the KPI’s, KRI’s and the CRSA of the departments under Risk Management Division and Credit Division to enhance their performance with respect to their supporting role of business lines.
• Constructed and responsible for ongoing monitoring of the Bank’s “Risk Appetite” statement and Bank’s “Credit Strategy” statement in line with credit compliance and Board Strategy.
• Dove-tail the Bank’s Risk Appetite to the ICAAP statement.
• Coordinate & Contribute in preparation of Basel 2-‘Pillar 3 Disclosures’.
• Contributing in the preparation of presentations and liaising with SAMA and other Regulatory Authorities in respect of their supervisory visits to ensure compliance to the Prudential Regulatory guidelines issued by them for Saudi Banks.
• I’m responsible for the training & development of Saudi nationals in the Credit Division as per Saudisation program.

• Promoted to Credit Account Manager and responsible for a diverse portfolio of commercial borrowers my tasks included supporting the efficient and timely lending process initiated by the Relationship Managers in the regions by ensuring timely and quality credit reviews with quick response to clients and senior management (including credit review and approval).
• Increased efficient credit processing of the customer files from compliance, legal documentation, and risk perspective and ensured policy abidance and monitoring after obtaining the necessary credit committees’ approvals.
• Prepared the bank standard credit application and provided quality credit analysis and assessment, financial statements and cash flow analysis for new and existing borrowers. I also managed an independent review and risk rating process of the credit and financial standing of the assigned borrowers using in-house system.
• Regularly visited clients’ premises and met with borrowers’ Management in order to prepare quality credit presentations and make effective credit & risk based assessment and recommendations.
• Made successful recommendation to the corresponding credit committee level to upgrade or downgrade the rating of a borrower based on the account performance with the bank or other banks (CDR) in line with micro and macro trends.
• Maintained regular monitoring of the credit limits and the utilization of outstanding risks and regular follow up on the timely settlement of excesses and unpaid bills based on IT reports.
• Monthly/Quarterly monitoring of the CDR and reporting to the Senior Credit Manager and the respective Credit Committee level in case of any noticed discrepancies or increase in the client’ exposure or change of collateral or status
•Diligently monitored clients from an exposure, risk rating, economic trend, financial and credit risk perspective and ensured annual reviews reflected this and senior management was appraised regularly
•Took detailed credit processing

and monitoring of all portfolio, thereby maximizing client penetration and future sales through structured support in coordination with credit review policies, assisting in minimizing delinquent loans.
• Responsible for the follow up on the performance of the assigned commercial portfolio and timely signaling of increasing credit risk and warning signals with respect to their assigned portfolio to the Commercial Lending Manager and the respective credit committee.
• Ensured regular monitoring of covenants and special clauses, documentations, control checks and reported any discrepancies to the Senior Credit Manager and the respective Credit Committee with recommended action to be taken. Also managed a “Checking Control” report outlining credit customers’ competency status.
• Ensured implementation of all procedures and Bank circulars issued by the Bank and regulatory authorities (Central Bank) in relation to the Credit Risk, administration or any related credit functions.
• Responsible for performing special tasks as assigned from time to time by the Senior Credit Management.
Retail Credit Product Officer
• Marketed and sold Credit Libanais Bank Retail products to a wide customer base. Achieved all targets & ensured quarterly sales growth.
• Participated in research and business analysis for new products and services.
• Assisted in formulating the direction for supporting functional groups, including marketing for major new features, partnerships and marketing support. Partnered with multiple cross bank teams to successfully deliver on applications and satisfied all business requirements.