Corporate Team Leader – Arab National Bank
Arab National Bank
Total years of experience :13 years, 0 Months
Team Leader - Commercial Banking Department, Arab National Bank
•Reviews the credit proposals and recommends appropriate action to credit committee. Identifies problem credit/loans and formulate workout strategies in coordination with the Reginal Managers, Relationship Officers and Credit Analyst.
•Accompanies the ROs/CMs/ CAs (Credit Analyst) in making important calls. Lead the process of developing the team's overall strategy, business plans and budget (including individual accountabilities) and ensure its achievement.
•Assists the CMs / ROs in cross-selling ANB products being offered by other business units within the bank (Treasury products, Investment, POS, Cash Management and other applicable products). Ensure that the department's staff is given timely performance feedback and appraisal to help them meet performance expectations.
•Lead the process of developing the team's overall strategy, business plans and budget (including individual accountabilities) and ensure its achievement.
•Guides the Credit Analyst, and the Relationship officer in performing their day to day task with the assistance of the SRMs within the team. Propose amendments and changes to improve the team's operations, efficiency and earning ability. Performs any other relevant duties as assigned.
Senior Corporate Relationship Manager - Commercial Banking Department, Arab National Bank
•Managing a diverse portfolio of clients with annual revenues in the range of SR 40 MM to SR 600 MM across various industries. In addition to processing & prepare full credit proposals and structuring corporate limits.
•Responsible for on-going credit administration and day-to-day management (contacts/visits) to ensure a perfect running of accounts. Duties are include regular contacts with clients, preparation of call reports, verification of covenant compliance, and the documentation, execution of extensions and waivers and amendments. Ensure the validity and legality of all transactions and documentation. Cross-selling products to Identify client’s objectives along with increasing the organization profitability and mange conflicts between revenues targets and risk.
•Generating new business by marketing prospect clients and focusing on meeting their financing needs.
•Coordinating between different departments to process client requests on daily basis.
•Recommending right/eligible product suites to clients relevant to their needs & requirements.
•Processing credit proposals and structuring corporate limits, interpreting financial statements, and monitoring accounts & client correspondence.
•Evaluating & Analyze clients’ financial position, risk profile and business needs and preparing credit proposals requesting a wide range of facilities including loans, trade facilities, project financing and treasury products.
•Tackle risk-adverse credit policy by originating lower risk/ higher return club transaction and/or well structured, specific purpose credit facilities.
•Mange conflicts between revenues targets and risk.
Relationship Manager - Commercial Banking Department
Corporate Banking Group - AlRajhi Bank
• Managing a diverse portfolio of clients with annual revenues in the range of SR 30 MM to SR 500 MM across various industries. In addition to processing & prepare full credit proposals and structuring corporate limits.
• Responsible for on-going credit administration and day-to-day management (contacts/visits) to ensure a perfect running of accounts. Duties are include regular contacts with clients, preparation of call reports, verification of covenant compliance, the documentation, execution of extensions and waivers and amendments. Ensure the validity and legality of all transactions and documentation. Cross selling products to Identify client’s objectives along with increasing the orgnaization profitability and mange conflicts between revenues targets and risk.
• Coordinating between different departments to process client requests on daily basis.
• Recommending right/eligible product suites to clients relevant to their needs & requirements.
• Processing credit proposals and structuring corporate limits, interpreting financial statements, and monitoring accounts & client correspondence.
• Interacting with the bank clients to process their credit requests, applications and day-to-day credit maintenance functions.
• Evaluating & Analyze clients’ financial position, risk profile and business needs and preparing credit proposals requesting a wide range of facilities including loans, trade facilities, project financing and treasury products.
• Tackle risk-adverse credit policy by originating lower risk/ higher return club transaction and/or well structured, specific purpose credit facilities.
• Mange conflicts between revenues targets and risk.
Business Analyst- Business Analytical Unit. Corporate Banking Group.
•Review credit applications for corporate clients from various industries.
•Credit Application writes up & detailed proposal preparation.
•Execute financial due diligence and create the credit assessment report including the assessment of Industry Risks, Business Risks, Management Risks and Cash Flow projections.
2011 Al-Yamamah University Riyadh, SA. Graduate student, College of Business Administration- Specialize in Finance, Minor in Accounting. Overall status: High Good (with GPA 2.71 out of 4). 2010 Certificate from Korean embassy for attending a class for 4 weeks about "Business in Korea". 2009 Certificate from " Saudi Interlink language Center" that I finished the English language program. 2006 10 weeks Summer course in English in Toronto, Canada