Vice President - Head of CARC – KSA
GULF INTERNATIONAL BANK B.S.C.
Total years of experience :26 years, 7 Months
Leading smooth process and high level of operational efficiency of all Credit Administration and Risk Control CARC Department Functions including, Credit Approval, Credit Limits Control and
Documentation control.
* Consistent timely and error free production of assigned credit reports for the Bank management /
board / other areas of the Bank.
* Maintaining of regular dialogue and information / update with Risk Group members.
* Managing the staff with the ultimate objective of constantly improving and developing their
capabilities and skills.
* Ensuring at all times the credit policies and procedures are adhered to by respective areas and that all
procedures are observed. When necessary suggestions for amendment and improvements of policies
deemed should be raised to Risk Group members.
* Ensuring the credit authority instruments, mainly Credit Applications and Credit Memos are handled
controlled and should always be guided by the prevailing policies.
* Ensuring the Board materials submitted to Bank management are always accurate and on time.
* Handling of staff related matters including administrative matters such as career planning,
performance appraisals, preparation of job description, recommendation for training programs, and
job assignments and manage on the job training to all CARC staff and other trainees assigned to CARC.
* Ensuring that all reports issued by the Department are produced accurately and on time.
* Performing and maintaining credit meeting with CRO and relevant Bank management on regular basis.
* Cooperate with the GIB’s internal auditors by promptly responding to their questions and comments.
* Coordinate with IT support team to automate and set best control mechanism tools of the daily work.
* Review bank standard document on yearly basis with internal legal / external law firm to perform the
best secured, maintained set of documents.
* Exercise regular review of area work flow to ensure that all requirements are being adhered.
* Coordination with SIMAH and Bayan on systems development updates and new project enhancement
requirements of the Credit commercial information and keep CRO informed of the same on a need to
know basis.
I have established and created the department of CRC in line with HO Risk structure and assess the
control functions with the following implementations:
* Creating business link contacts with SAMA & SIMAH and obtain the required license and membership
agreement.
* Adhering to regulators “SAMA & France’s Central Bank” regulations and procedures.
* Set Credit Agreement, Facility Contracts and other related documents with external law firm for legal
matters (Reviews & Opinions)
* Hiring employees and delegate responsibilities to each one as per their job description.
* Implementing Bank procedures and rules in order to fulfill the following responsibilities:
* Daily monitoring of the credit risks through daily exception and excess report & circulate to the
Account Officers and raise it to the Credit Committee CC.
* Approving Credit committee meeting agenda & minutes with a list of all the exiting expectations. Early
warning Signal Checklist, Anomalies & outstanding documents, missing and expired documentation
report & ensure the conformity with implementation of credit decisions.
* Monthly Reports to manage the overdue credit files, list of covenants to be complied with due date
and Monitoring Loan export & Interest & Head Office reports.
* Quarterly Tasks: (Submit a summary of the Early Warning / Watch list / Doubtful & Provisions
movements), Review all Time Deposits Pledge & Cash Collateral & Prepare a list of guarantees received
from client upon request from client’s auditor .
* Legal matters:
• Receive the required documents & ensure (Date received, Silent stamp & verify the signatories)
• Maintain the safe custody of the original legal documents.
• Ensure the proper record keeping of the legal documents using the Security Software Package.
• Regular follow-up of renewals (CR Commercial Register and Chamber of Commerce….Etc)
• Ensure the proper Power of Attorney for Authorized Signatories.
Manage the Units’ staff in a professional manner, foster and promote positive teamwork and innovative spirit to manage and process the following tasks:
* Monitoring Approval levels obtained on the credit approvals packages are in line with Credit Policy &
in compliance with SAMA rules and ensures all exceptions in the credit approval document are
appropriately approved.
* Reviewing security / support section of the credit approval packages document have been reviewed
and received, found in order.
* Approved limits are accurately implemented in Bank systems and control all exception cases.
* Treasury & FX limit exception reports have been reviewed & reported to business and circulated to
Credit Committee for regularization.
* Manage and Support all other units in day-to-day tasks and provide guidance in tasks management to
subordinates.
SAMBA Banking Products Control Awareness Bank Book- Keeping Compliance Course. Basic Investment Products Core Accounting Course Credit I – Financial Statements Analysis. SAMA Fundamental & Concepts of Investment Introduction to Islamic Banking. World – Wide Credit Risk Controls’ Seminars (Bahrain, Dubai, Kuwait, France, Cyprus and Lebanon) Risk Management in Banks and the Capital Implications Modern Corporate Governance