Managing Director
Effective Step Center
Total years of experience :38 years, 1 Months
Provide training and consultancy in banking and finance for banks and financial institutions, both commercial/conventional and Islamic banks and Finance companies in Credit and Risk Management.
Taken a major role in transferring the bank form conventional to Islamic based bank.
Prepared the manual for various Islamic products.
Taken part in preparing the Islamic Credit Policy of the bank.
In charge of Corporate Credit risk all over the bank in the Head Office and the branches.
Responsible for maintaining Corporate Credit quality and spreading Credit Culture in the bank.
Applying Corporate Credit standards and setting measures for Credit related issues.
Ensure an effective on-going monitoring to risk related to the portfolio and assign appropriate risk rating.
Keep an eye on the default rate and make sure that it is within permissible limits.
Closed a number of syndicated loans with other banks.
Participated in a number of successful IPOs.
Designed new retail products specially after converting into Islamic banking in compliance with the Islamic rules and regulations.
Prepared the procedure for approving different retail products.
Updating the parameter list for retail lending products on a semi-annual basis in view of the market changes.
Process retail products’ applications on an as quickly as possible basis.
Observe the default rate in the retail portfolio and make sure that it is always under control.
Working closely with the retail marketing team to understand their needs and to provide them with a better service.
Maintain quality in the retail portfolio.
Category 'A' signatory on behalf of the bank.
Looking after existing relationships and maintaining them which included maximizing utilization and profitability.
Added value to the portfolio by introducing new sizable quality corporate customers.
Make sure that every risk in the portfolio is properly graded.
Category ‘A’ Authorized signatory on behalf of the bank.
Responsible for the quality of assets related to the credit portfolio which included : managing excesses, maintain a certain level of profitability, control default and any other irregularities.
Review credit related IT reports for control purpose.
Negotiated repayment plans for insolvent customers.
Performed profitability and budgeting plans.
Prepared sector study and analysis based on actual and recent figures to direct our lending process in line with the changes of the market conditions.
Responsible for maintaining and developing relationships with outstanding customers.
Reviewed on a daily basis credit reports for any excesses or any unauthorized dealings by competent authorities of the bank.
Performed portfolio analysis for profitability and budgeting purpose.
Responsible for the quality of assets within the portfolio.
Participated in the process of revamping the Credit Policy of the bank as a member of the credit policy review committee.
Temporary member at the Central Credit Committee (CCC).
Working as a regional credit Risk manager responsible for the quality of a sizable corporate credit portfolio of the Eastern Region which included twenty branches.
Involved in structuring and evaluating various types of credit facilities covering project finance, term lending and trade finance.
Performed portfolio analysis for risk measuring and planning purposes.
Negotiate settlement agreements with classified accounts.
Introduced the risk rating matrix to the bank.
Involved in a lot of project finance knowing that the Eastern region is a fast growing area in the Kingdom.
Participated in a lot of IPO’s of newly coming up companies to the market.
Check all IT reports on a daily basis and flag any irregular occurrences.
Make sure that all Credit customers are getting the desired service from concerned departments.
The function of retail and corporate was not separated therefore, we used to take care of the retail business as well.
Process retail products applications.
Develop and improve the credit retail portfolio.
Cross selling retail products to the corporate clients.
Incorporated mainly trade finance.
Closed counter trade and bilateral trade agreements with CIS and Middle East countries.
Reviewed and evaluated risk in credit cases.
Prepared packages for presentation to the credit committee.
Obtain necessary approvals within the banks' Credit Policy.
Kept on following the performance of these exposures.
Processed retail applications.
Obtained approval for the retail credit requests.
Communicate the approval to the retail business unit for booking.
Financial statement analysis, Budgeting projects, feasibility studies.