Sr. Manager - Risk
National Bank of Oman (NBO)
Total years of experience :16 years, 0 Months
Credit Underwriting / analysis of Corporate loans, including large Corporates, Financial Institutions and Retail loans.
Deriving and analyzing the various MIS reports to monitor the quality of the portfolio with regards to credit risk and to validate the appropriateness of existing credit policies, as well as to monitor impact of changes in credit policies.
Formulation and review of Operational / Other Risk assessment processes for all newly introduced / modified products or processes
Review of bank-wide policies / procedures to ensure that all possible risks are covered / mitigated from an Risk perspective
Conducting Risk Self Assessments (RSAs), Identifying Key Risk Indicators (KRIs), Establishing Key Operational Risk Controls (KORCs) from an Operational Risk Management perspective.
Formulating and ensuring that Credit and Collection policies / procedures which encompass all risk related criteria such as product benchmarks, policy parameters, pricing, business targets, etc. are in place for retail products.
Reviewing existing processes, identifying areas of improvement and reengineering critical processes to maximize efficiency and business profitability.
Regular interaction with Business, Underwriting, Legal, Operations, Remedial and Compliance divisions to ensure that appropriate documentation, limits, central bank directives and risk mitigants are complied with.
To ensure that reviews related to delinquent accounts are conducted and performed in a timely and efficient manner.
To ensure co-ordination with IT for all system enhancement projects related to streamlining / automation of the credit management processes.
Developing and maintaining customer application and behavioral scorecards to comply with Basel II IRB approach.
Major specialization in finance with a supplementary specialization in I.T.