Corporate Loans & Facilities Opertaion
Qatar National Bank
مجموع سنوات الخبرة :18 years, 3 أشهر
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Main referral on Risk & Credit Policy & subsidiary policy requirements. Creation / revision of all Policies relating to Risk, particularly Credit Risk.
Review credit applications submitted by the relationship officers (RMs) in terms for the following Finance Products: Mortgage Finance, Personal Finance, Credit Cards & Auto Finance and Discuss the credit application with the RM to ensure that the final version to be presented for approval is mutually acceptable.
Use discretionary authority in approval of deviations from product and credit parameters and to act as an “On-line Consultant” to Branches / Direct Sales Force to structure / re-structure the finance.
Review the Target Market & Risk Acceptance Criteria of various businesses and international units to ensure these are in line with the Group’s Risk Strategy and within the defined Risk Appetite.
Aid senior management in providing strategic risk and business direction and aligning Risk Capital to Business Strategy.
Develop & maintain risk framework and policies & procedures which comply with the with the low & regulation of the bank & with the central bank and insure that these polices & procedures are applied consistently throughout the bank.
Ensure development of high quality MIS, creation & implementation, to manage risks as well as monitor analysts’ performance, business flow management, capacity plan, and identify risks and opportunities.
Continuously, receiving the feedback from collection department about the delinquencies performance of the portfolio and the net profit losses (NPLs), then figure out the segments or niche markets that vary from the actual risk plan and give the advises to change & amend the credit criterial according to prevent future focus on that segment.
Responsible for designing, implementing credit processes that are focused on high level of service with a well-balanced view on controls and efficiencies.
Manage the team of Credit Investigators / Supervisors / Evaluators for Credit Evaluation & Credit Investigation functions of Al Hilal Bank including small business finance. Establish a fundamental ground rule for evaluating the Analysts (Key Performance Index)
To develop, simplify, automate, improve and implement process changes, in order to achieve agreed service level agreements and reduce cycle time and cost. Also, Identify process errors and implement fraud and internal control measures.
Identify anomalies / gaps in the credit policy, product manual guidelines and operational processes and to recommend modifications. To work closely with policy managers and make sure that all policy communications are cascaded to the evaluators and implemented as per plan.
Coordination with product management / sales manages and branches for customer retention / acquisition and obtaining buy-ins.
Identify training needs for Team Leaders / Credit Supervisors / Evaluators / Credit Investigators on the basis of feedback and compliance check failures & to make sure staff are well trained in all policies / procedures and are well aware of their job requirements.
Increase the unit productivity and to enhance product and credit policies for all Retail Credit Products.
Identify areas of improvement and implement changes systems, automating risk and credit related processes.
To ensure delivery of Quality service to internal customers, by implementation and adherence to the committed turnaround time standards in the evaluation / approval and investigation process.
To efficiently manage, grow and advise a portfolio of Ultra High Net Worth clients, providing them with the highest quality service and advice.
Working with clients to evaluate their financial data and investment objectives in order to recommend and implement the most appropriate investment strategy.
Managing and building-up Retail Wealth Management business across the Retail Bank.
Manage client advisory process through client profiling, model portfolios and sales process for investment.
Implement cross-sell initiatives & introduce wealth & privet banking financial products to increase investment product penetrations within the Retail Bank portfolio.
Assist team of Relationship Managers in client meetings and providing complete end to end service to develop business.
Act as Wealth Specialists to promote & to sell all types of securities i.e. fixed income securities, funds, individual stocks, trust accounts, estate planning, retirement plans, saving plans, etc… according to clients’ financial objectives & needs.
Responsible for achieving the required Assets & Liabilities targets of the Branch, which include: Mortgage Finance, Musawamah Finance, Tawarrouq Finance, Murabha Finance, Construction Finance & all the Islamic Finance products that serve the SME Segment needs & requirements.
Prepare credit proposals in accurate manner for SME cases.
Responsible for entire Branch’s activities including various Branch Operation activities - Treasury, Tellers, Operation, Sales & Customer Services.
Leading, managing & training the performance of direct sales agents and service & sales officers to ensure efficiency in operations to meet and exceed established organizational objectives and goals.
Ensure meeting the sales and revenue goals of the financial Islamic products of the branch through robust activity management, while managing the selling operations.
Overseeing the Branch Operation & Treasury operations.
Carrying out customer-centric operations & ensuring customer satisfaction by attending & resolving the Services Issues.
Managing Branch's Assets & Liabilities management operations with key focus on bottom line profitability.
Effectively monitored & reviewed delinquent & charged-off accounts of Consumer Bank retail portfolio through maintaining the provision calculation data base.
Managed Collectors Performance through managing delinquencies ratios.
Aided business growth through effective monitoring and control of the Consumer banking delinquent portfolio in respective product portfolio.
Involved in Mining & analyzing the bank's portfolios enable to find out & search certain patterns, behavior & attitude of the total clients portfolio which help me in forecast, predict and then prevent the increment of charge off pool, by design the products credit criteria.
Ensured successful recoveries with the objective of minimizing Net Credit Loss.
Assured that effective Legal measures are taken against Delinquent Customers to safeguard the interest of the Bank.
Negotiated & accomplished final settlements from the bad debts clients enable to collect the over dues from the customers.
Ensured proper follow up of all legal cases and update legal records.
Managed collections agencies performance in terms of resolution - both front-end and net resolution.
Ensured proper documentation of Collection related activities.
Lead, managed & monitored the performance of collection team and productivity are measured within the standard guidelines. Reviewed the individual performance periodically with regards to number of calls made, percentage of successful calls, promises taken, kept promise rate & cash collected.
Responsible for establishing and developing a network of successful sales channels across the country as well as monitor individual sales channel performance through creating the proper MIS, communication with the coordinators. Also, responsible for high level strategic solutions for assuring the success of business strategy implementation for the sales channels in alignment with the retail banking business plans.
Lead, managed & train the performance of sales team to ensure efficiency in operations to meet and exceed established organizational objectives and goals.
Responsible for managing & developing Leads business as well as develop and build relationships with high net worth customers and local government agencies.
Assisted in establishing Tie - Ups with the famous companies & restaurants in Qatar resulting in add value to the bank's product.
Developed more sales divisions to add more value to the business volume, such as Tele Marketing Division & Corporate deals division.
Ensured that the applications process within the agreed process flow.
Provided an accurate MIS data for the management regarding Credit Cards Sales growth, attritions & Credit Cards team cost where it help the management in taking decisions
Developed & maintained effective working relationships with target market companies as well as Develop and build relationships with high net worth customers and local government agencies
Assisted in developing the product of credit cards & personal loans.
MBA
Business Administration