DGM - Risk Management
Ahli United Bank - Kuwait
Total years of experience :21 years, 8 Months
Covering the following risk areas:
- Credit risk.
- Retail credit.
- Operational risk.
- Credit administration.
- MIS.
- Collection team.
Member of credit committee and operational risk committee.
Financial Audit Department undertakes to practice monitoring and auditing tasks
on mainly the Companies owned by the Government of Dubai or in which the
shareholding of the government amounts to (25%) or more of their capitals.
Companies to which the government guarantees a minimum limit of profit, and the
bodies of which the government provides a financial subsidy, and shall be attached
to His Highness the Ruler of Dubai.
Ahli United Bank has experienced significant growth arising from the adoption of a
focused merger and acquisitions strategy and the bank increased its operation to
include a number of additional subsidiaries and affiliates in Kuwait, Oman, Egypt,
Iraq, UK and Libya.
Since I joined Ahli United Bank I have responsibility for the credit risk functions
across the expanded AUB Group.
I joined National Bank of Dubai prior the merger with Emirates International Bank
which is currently known as EmiratesNBD Bank.
Duties:
• Participate in the setup procedures for the Islamic finance division within
EmiratesNBD, and a member of the Islamic Banking Strategic and planning
committee.
• Develop and apply new credit policies and procedures for the Islamic banking
unit. To ensure that it is in line with EmirtaesNBD group strategy and plans.
• Ensure compliance of credit policies and procedures with the Islamic rules and
regulations as well as relevant Banking legislation, requirements and protocol.
• Review all the proposals raised from the Islamic division, and make
recommendation to appropriate approval authorities.
• Involve in stressed accounts restructuring by direct negotiations with the
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Experience
related parties and advice the proper restructuring strategy.
• Coordinate with other departments which involve in granting credit e.g.
investment, corporate financing, to analyze work procedures and processes
followed, thus to incorporate them in form of credit policies and procedures
for the bank.
• Supervise credit administration function of the Islamic banking unit.
• Prepare security documents templates in coordination with legal department
and Sharia board.
• Independently interact with Bank’s key clients and international business
contacts. Conduct business meetings from a credit perspective. Adopt a
balanced position, oriented towards development of financial solutions for
clients and identification of business opportunities for the Bank. Assess client
requirements and structure credit facilities in line with the Bank’s policies.
• Give lectures in Islamic banking to trainees within EmiratesNBD training
center.
Achievements and rewards:
• Excellence award for establishing the credit management function of the
Islamic banking unit within the bank.
• Award for increasing the awareness of the Islamic banking products among the
bank's staff, by give lectures to the staff.
I started my banking career in Arab Bank - Jordan from December 1997 to January
2001. During my period with Arab Bank - Jordan. I was part of the team how
handle the entire credit proposal that arise from Arab Bank - Lebanon and UAE.
In January 2001 I was nominated to relocate to Abu Dhabi to be part of the team
how was responsible of establishing an Area Management Department for the
purpose of expediting the approval process of the credit proposals, the
establishment processes included the development of the credit policies in light of
the UAE credit requirements.
During period with Arab Bank - UAE my responsibility was to handle all credit
function for Sharjah and Dubai branches.
After I completed my university degree, I joined Nuqul group where I was placed
in the aluminium factory accounting department, during this period I gained an
overall appreciation of accounting issues.
Duties:
• Preparation of monthly profit and loss account and balance sheet.
• Liaison with Banks and follow-up with customers for payment.
• Maintaining high-level supplier contact and good creditor relationship.
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• Possess good communication skills and the ability to deal with internal and
external clients
with a major in accounting
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