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Brinel Pais CFA, Senior Credit Manager / AVP, Wholesale Banking Credit

Brinel Pais CFA

Senior Credit Manager / AVP, Wholesale Banking Credit·Emirates Islamic Bank P.J.S.C

United Arab Emirates

Master's degree, Finance

Work experience

Total years of experience: 20 years, 1 months

Senior Credit Manager / AVP, Wholesale Banking Credit

May 2015 - Present

Emirates Islamic Bank P.J.S.C

United Arab Emirates

I found this job using Bayt.com

May 2015 - Present

Responsible for credit risk assessment primarily for Committee level \[Management & Board\] deals, covering multiple sectors i.e. Contracting, Real Estate, FI’s, Investments, International, Trading & Manufacturing.
Ensure all credits meet approved credit risk policies and guidelines as well as Central Bank regulations.
Identify early warning indicators in potential problem accounts and recommend restructuring / remedial in liaison with monitoring and remedial management teams.
Company industry:
Banking
Job role:
Finance and Investment

Credit Manager, Wholesale Banking Group

August 2009 - April 2015

Al Khalij Commercial Bank Q.S.C

Doha, Qatar

August 2009 - April 2015

Detailed credit assessment and thorough understanding of handling and preparing credit appraisals with accuracy of information, reviewing & analyzing various risks (structural risk, financial risk, repayment risk based on the specific credit), industry feasibility study, peer benchmarking and supporting internal customers’ requirements, timely furnishing of credit appraisal reports and risk assessment reviews.
Company industry:
Banking
Job role:
Banking

Relationship Manager

July 2008 - December 2008

Yes Bank, Mumbai

July 2008 - December 2008

Sourcing asset cases both fund Based and non-fund based in the SME corporate segment of companies with a turnover of up to Rs. 2 Bn.

Assessing Risk, preparation of Credit Appraisal Note and representation of case before the committee.

Handling disbursement formalities and documentation.
Company industry:
Banking
Job role:
Accounting and Auditing

Relationship Manager

August 2006 - June 2008

ICICI Bank, Mumbai

Mumbai, India

I found this job using Bayt.com

August 2006 - June 2008

Led a team of 10 Relationship Executives who source Trade & Credit and Factoring clients in the upper SME space.

Handled the trade & credit proposals of the privileged business banking relationship of the cluster and preparation of Credit Appraisal Note.
Company industry:
Banking
Job role:
Banking

Credit Officer

October 2005 - August 2006

Indian Overseas Bank, Mumbai

Other

October 2005 - August 2006

Credit appraisal, risk assessment of small and mid size corporate customers for Term loan/working capital requirements/retail loan products- housing loans.
 
Preparation of comprehensive Credit Note which involves credit appraisal, financial analysis, business evaluation, peer group comparison and trade / lender reference check.

Conducting Balance sheet analysis/computation of MPBF for working capital requirements/analysis of CMA data/sensitivity analysis for variations in critical parameters.
Company industry:
Banking
Job role:
Accounting and Auditing

Education

The CFA Institute, USA

August 2019

August 2019

Master's degree, Finance

United States

CFA Charterholder.
View attachment

Kerala University

July 2002

July 2002

Bachelor's degree, Commerce

India

Skills

Corporate Credit
Expert
Corporate Credit
Expert
Credit Analysis
Expert
Credit Analysis
Expert
Moodys Risk Analyst
Expert
Moodys Risk Analyst
Expert
MS Office
Expert
MS Office
Expert
credit
Expert
credit
Expert
risk analysis
Expert
risk analysis
Expert
financial modelling
Expert
financial modelling
Expert
Corporate Credit
Expert
Corporate Credit
Expert
Credit Analysis
Expert
Credit Analysis
Expert

Languages

English

Expert

Hindi

Expert

Training and Certifications

Certifications
Advanced and Robust Debt Modeling, Debt Sizing and Debt Syndication Modeling
Sullivan Hayes Inc.
Jan 2012 - Jan 2012
Advanced Corporate Credit
Fitch Training
Aug 2012 - Aug 2012
Project Finance and Infrastructure Financing and Modeling
The MBA Training Co. -UK
Dec 2011 - Dec 2011