Early Warning Officer – BB (SMEs) Credit Risk
Commercial International Bank
Total years of experience :13 years, 7 Months
Participate in the design of the monthly heat map for all clients in the portfolio after discussion with Business banking risk head and business head to be able to follow up on early-stage weaknesses.
Monitor Early Warning customer on monthly basis and ensure that feedback is received on trigger breaches from Business Banking sales team/ Underwriters in a timely manner.
Ensure that all stakeholders are aware of the key early warning triggers and what are the ways to comply with these indicators.
Ensure appropriate actions are taken based on the heat maps and feedback received from Sales/ Underwriters: Clear accounts / move to rehabilitation Officer/ collection or add to the Early Warning watch list.
Ensure that the required dashboards and heat maps are accurately and timely prepared in coordination with the data analytics team to be able to maintain a high-quality portfolio.
Test the dashboards and heat maps periodically and modify where appropriate to ensure their accuracy and applicabili
Manage the digitalization of the BB Early Warning, Soft Collection, Rehabilitation and Hard Collection processes by introducing a management information system (EFS) via a collaboration with EXUS IT consulting UK;
Automated live reporting via launching a new tool “360 view” to facilitate monitoring BB customers’ performance and provide full visibility of different dimensions (BB deals pending proceeds, fraud incidents, exit clients, Past Dues & Casuals’ history) to streamline decision making;
Mentored BB staff and influenced them to utilize the newly developed tools and embrace the change;
Monthly reporting for all the clients in the portfolio “heat map” after the discussion with BB Risk Head
and Business Head to monitor early-stage delinquencies;
Inspect the accounts of delinquent customers closely and frequently to identify and track overdue payments;
Validate that proper actions taken by Regional Heads on customer accounts with delinquencies; and
Negotiate arrears settlements and report actions to be taken such as partial payment, rescheduling or recommend moving the case to Rehabilitation.
• Managing the collection portfolio for critical accounts for all retail products including; Pil, Auto, Credit Cards & Mortgage loans within the Greater Cairo and Alexandria areas.
• Recommending customer credit limits to Policy & Business Teams based on department reports / results.
• Creating monthly risk analysis reports for various bank products / programs, including; the I-Score, Salary Transfer, Income Proof, A+ Compounds and Professional programs.
• Performing loss mitigation analysis regarding delinquent or charged-off accounts in accordance with the bank’s risk appetite.
• Managing a team of five employees responsible for all retail portfolio.
• Giving periodic risk reduction recommendation to Policy team for existing and new retail financing programs/products.
• Monitoring the provision rate assigned by the budgeting team for the delinquent portfolio, and making sure the team’s performance is within range.
• Creating daily & monthly MIS reports for retail collection & recovery activities in line with the financial control team.
• Improving collection efforts by identifying, analyzing, and recommending loss mitigation opportunities.
• Monitoring assigned accounts, account adjustments, balance write-off, customer reconciliations and processing credit memos.
• Holding monthly credit meetings with sales team.
• Consistently met or exceeded quarterly and annual collection objectives.
• Acting as primary contact for customer complaints.
• Exceeding bank collection objectives by directly contacting our customers on daily basis.
• Assisting financially distressed customers by offering solutions to prevent going delinquent.
• Minimizing delinquencies and recovering revenues by performing collection activities.
• Influencing customer behavior to ensure effective payment practice and account management.
Advanced Corporate Finance Credit & Risk Management Certificate – The American University in Cairo (AUC)
