senior associate corporate credit admin
bank al etihad
Total years of experience :21 years, 10 Months
• Scrutinize credit approvals with respect to documentation & collateral thereby ensuring watertight internal and external compliance
• Supervise and ensure sufficiency, accuracy and legal enforceability of all the security and legal documentation.
• Ensure compliance to guidelines set by credit policy, internal auditors and external regulators especially Central bank
• Make timely submissions of audit and regulatory reports to ensure data integrity
• Liaise with business managers for follow up for documentation and other routine tasks.
• Recommend ways to continuously improve the process and increase efficiency while reducing the turn-around time
From 1/4/2011 until now (Credit officer)
Review contracts, approvals, mortgages, and all necessary documents when granting loans.
• Follow up with different parties to complete discrepancies.
• Grant loans and limits using the bank’s system.
1/6/2010 - 1/4/2011(internal auditor)
• Check in all sections and departments of the Bank and its affiliated offices that processes, management and practices are compliant and sound and that the information is accurate
• Strive to optimize material means and human resources and take part actively in putting in place new procedures and tools
• Make a judgment on men and their method of management and recommend alternative schemes and solutions based on rules and standards of best practices.
January 2008 -June 2010 (credit analyst)
• Provided in-depth credit evaluation of corporate credit facilities, customers risk rating, and their presentation to the approving authority.
• Provided detailed financial analysis, including interpretation and computation of various financial ratios; carried out feasibility studies, risk and return and break-even analysis
• Ensured that all risks, whether client, industry, transaction or product are identified and properly mitigated and managed
• Worked closely with the relationship managers to ensure the proper classification of credits
• Sat up customer visits to understand their financial needs and requirements.
July 2006-December 2007 (Relationship Manager)
• Maintained marketing and setting facility structure for prospective clients
• Analyzed credit applications for new customers, gathered necessary information and evaluated credit worthiness of clients
• Reviewed, annually, each account and followed-up on those account
• Prepared legal documents needed for approved facilities
March 2005-June 2006 Credit officer
Organizing entering passengers to planes, and assure every passenger will travel in his specified flight
Making deposits and withdrawals, F.X, and executing transfers
The second highest grade among my colleagues
Very good 80.7% Second place
90% in Tawjeehi