Potofolio Analyst, Credit Risk
Al Hilal Bank
Total years of experience :11 years, 1 Months
- Provide analytical support for various credit policy and risk related functions.
- Formally present findings and portfolio analysis reports to management including C.R.O, C.C.O and Business head on monthly basis. Detailed performance of all retail products, sub products, segments and sub segments are included.
- Monitoring performance of Credit and Collections through various analytical tools such as Net Flows, Was Is Analysis, forward & back ward flows and bucket analytics, monitoring classified accounts, forecasting high risk accounts where flows can lead to further provisions.
- Preparation of through the door MIS, Net Flows, Forward flows, backward flows, New to NPL's, Month on books vintage analysis and coordinating for behavioral scorecards and application scores.
- Prepare exhibits and supporting material and develop recommendations for credit and pricing policies, bulk acquisitions, new loan or merchant program structures, profitability/pricing for accounts and portfolios and provide revenue, cost, delinquency and loss forecasts.
- Analyze loan and customer credit risk performance using databases.
- Analyzing lagged and coincidental delinquencies of S.M.E and Retail products for various segments, sub segments etc.
- Preparing retail baking monthly, quarterly and adhoc Central Bank reports, Fitch and Moody's reports.
• Interacting with sales personnel to gather and understand the relevant information about the customer’s business and the business model.
• Analyzing company's constitutional documents, bank statements, financial statements, Central Bank checks, Norkom and other system checks to determine the degree of risk involved in extending credit or lending money.
• Conducting financial analysis and due diligence of the potential customers.
• Undertaking a complete risk assessment analysis of the borrower \[e.g. modus operandi, cash cycles, facility structure risk, environmental, political, social, technological, legal, and economic risk projections.
• Entering the relevant data in to Moody’s Spreads.
• Generating Risk Ratings from the Moody System
• Giving pre approvals for the cases to be moved to higher management.
• Making recommendations about procedural/policy/process flow changes and product improvements.
• M.I.S - Portfolio Analysis, Deviation Analysis. Segmentation based on gender, nationalities, types of companies, types of industries, Delinquency reports etc.
• Development of special M.I.S reports on Excel for the Senior Management such as Central Bank Reporting for the industry segmentation and type of credit assessment(bank statement or Audited financial statement)
• Undertaking field visits of VIP customers for physical due diligence.
Post Graduate Diploma.
Business Management Studies which includes management, finance and and various other business related subjects
Dual Major which included business and Information Systems Related subjects.