Elias El Hajj

• Conduct comprehensive risk assessments to identify, analyze, and evaluate financial, operational, and compliance risks.
• Develop, implement, and maintain risk management policies, procedures, and frameworks aligned with regulatory requirements and organizational goals.
• Ensure adherence to local and international regulatory standards, such as Basel frameworks or other relevant risk-related regulations.
• Prepare detailed risk analysis reports and presentations for senior management, board committees, and regulatory bodies.
• Recommend and implement risk mitigation measures to minimize organizational exposure.
• Oversee the ongoing monitoring of key risk indicators (KRIs) and thresholds.
• Work closely with business units, internal audit, and compliance teams to align risk management strategies with organizational objectives.
• Assist in setting and monitoring the organizations risk appetite and tolerance levels.
• Conduct in-depth analysis of credit portfolios to evaluate exposure to potential credit risks.
• Assess the creditworthiness of borrowers through financial statement analysis, credit scoring models, and industry benchmarking.
• Evaluate lending proposals and provide recommendations based on risk-return considerations.

• Develop and implement comprehensive financial policies and procedures that ensure the organizations financial operations are both efficient and compliant with legal and regulatory standards
• Oversee the preparation and planning of budgets, ensuring that financial resources are allocated effectively and align with organizational goals
• Assist in meetings with donors, actively participating in discussions and decisions regarding the distribution of budgets to beneficiaries, ensuring donor intentions are honored
• Prepare yearly balance sheets and comprehensive financial reports after each wave of donations, providing clear insights into the organizations financial health
• Maintain accurate records and receipts for all daily transactions, ensuring all financial activities are properly documented

• Develop and spearhead the implementation of comprehensive internal audit policies and procedures, designed to strengthen the organizations governance, risk management, and internal control frameworks
• Create and oversee the execution of long-term audit plans that align with the organizations strategic objectives
• Serve as a trusted advisor to senior management, providing expert guidance on risk mitigation strategies, regulatory compliance, and process optimization to enhance organizational performance
• Lead in-depth evaluations of the organizations financial, operational, and compliance controls, ensuring they are robust, efficient, and aligned with industry best practices
• Regularly engage with the audit committee and senior leadership to discuss audit findings, emerging risks, and strategic recommendations, ensuring that audit priorities reflect the organizations risk profile
• Mentor and develop the internal audit team, fostering a culture of continuous professional development, and ensuring that audit practices evolve with changes in the regulatory and business environment

• Conducted detailed audits of financial records, operational processes, and compliance with internal policies and external regulations, ensuring all activities were properly documented and adhered to audit standards
• Reviewed financial statements, transaction records, and operational data to verify accuracy and completeness, identify discrepancies, and ensure compliance with accounting principles
• Collaborated with external auditors by providing requested documentation, data, and explanations, ensuring the organization was well-prepared for external assessments
• Prepared comprehensive audit reports that documented findings, highlighted areas of concern, and provided actionable recommendations for improving controls and processes
• Conducted follow-up audits to verify that corrective actions recommended in previous audits were effectively implemented, ensuring identified risks were addressed

• Completed housing loan early settlement requests with precision, calculating prepayment penalty fees based on the terms of the loan agreement
• Conducted interviews with clients applying for housing loans, collected necessary financial information to assess eligibility, and calculated the debt-to-income ratio to ensure compliance with the banks credit policy
• Prepared and analyzed credit files for clients, compiling all necessary documentation, including income verification, credit history, and collateral details
• Provided exceptional service to clients by addressing their inquiries and concerns regarding housing loans and other banking services
• Served as the primary backup for the assistant manager, managing the banks daily operations in their absence