Christy Akiki CMA

* Conduct detailed financial assessments of corporate credit applications in accordance with the company credit policy, UAE Central Bank regulations and Compliance guidelines.
* Take appropriate mandated lending decisions on cases with exposure up to AED 3M and provide recommendations on higher exposure cases to the Board and Internal Credit committees.
* Perform economic and industry analysis as well as risk related assessments of commercial and residential portfolios in a timely and accurate manner. Provide monthly reports to the Management to help maximize business opportunities in a consistent and secure way.
* Create internal risk grading matrices for the residential portfolio. Assess risk grading of the Commercial Portfolio utilizing Moody’s Risk & Finance Analytics.
* Led continuous improvement projects to improve the Risk Department’s competence through mitigating challenges and implementing new
processes, systems and practices to increase work productivity and effectiveness.
* Collaborate with the Sales team and collection department to resolve customer issues and monitor delinquent clients. Conduct site visits to
commercial clients as required by the policy.
* Ensure all applications are supported by the necessary financial information and legal documentation.

* Reported directly to the Chief Risk Officer.
* Handled detailed analysis of commercial requests with a minimum
exposure of USD 150K and a delegation to approve up to USD 300K and
recommend higher exposures to the proper credit approval authority.
* Assessed the implementation of the bank’s credit policies, financial
regulations and controls.
* Proposed changes to the risk ratings of credit files and requested
additional mitigations and documentation as required.
* Identified and evaluated the risks associated with new products, services
and credit activities.

* Negotiated with existing customers and prospects and structured new credit requests. Liaised with clients directly for clarifications regarding the study of the credit file.
* Executed full credit assessments for Medium and large corporations over a variety of loans including commercial, real estate as well as syndicated Loans (up to USD 90Million), and documented the related Credit Committee decisions.
* Verified borrowers’ compliance with the bank’s credit policies, financial regulations and controls.
* Prepared accurate financial statement analysis, projections, profitability, and risk rating.
* Ensured all credit files are backed by full and proper documentation.
* Highlighted the presence of significant increase or availability of credit risks and requested further credit protection as necessary.
* Developed and submitted the credit analysis notes with the Credit Management Group’s recommendation and the Corporate Banking
Group’s Proposal to the credit committee for approval.

* Assisted the Finance Manager in the preparation of budgets and
forecasts.
* Extracted and organized information from various systems for reporting
and analysis purposes.
* Analyzed financial reports and highlighted discrepancies that require
senior management’s attention.
* Supported month-end and year-end closing processes.
* Ensured all balance sheet accounts are reconciled on a monthly basis.
* Ensured that all financial transactions are properly recorded, filed, and
reported.
* Assisted in managing cash flows by tracking transactions and regularly
reviewing internal reports.