Vice President - Head of Consumer Credit Programs
Arab Bank
مجموع سنوات الخبرة :36 years, 1 أشهر
-Reviewing and recommending Credit Portfolio Strategies for the Consumer Banking Division across AB PLC areas
-Presenting Executive Summary reports, Portfolio Data including provisions, delinquencies and trend for CCO (Chief Credit Officer), DCEO and CEO.
-Preparing and coordinating provisions, write offs for Consumer Banking between Consumer Banking, Finance and International Remedial Management.
-Monitoring the Consumer Banking Credit Portfolio to identify, through the implementation of monitoring tools & early warning signs, macro portfolio deterioration and more granularly deterioration at the Product and Country Level.
-Review & opinion on Consumer Credit product policies and Credit Delegation Authorities both at the annual review and at initiation of new Credit Programs.
-Oversee the Standardization and unification of Credit Portfolio data sources which are used to assess and monitor the Consumer Banking Credit Portfolio across the PLC.
-Participate in reflecting the Bank strategy and Regulatory guidelines and instructions in the Bank Credit CPM/SOP.
-Implemented and maintained a Credit Administration model across highly important areas namely (UAE, Qatar, Bahrain, Yemen, Egypt, Jordan, Lebanon, Algeria, Morocco, Palestine and other Subsidiaries) in line with the Global/ Standard Model.
-Coordinated credit related projects and credit processes modernization initiatives at country level.
-Conducted comprehensive country portfolio analysis and MIS and ensured data integrity.
-Ensured compliance with credit guidelines, policies, procedures and quality standards.
-Established and maintained required levels of control and reporting.
-Ensured all excesses are documented and approved within stated timeframes and guidelines
-Highlighted any irregularities to Credit committee/business (early warning signals)
-Ensured that Corrective Actions for Business Risk Review (BRR) and Global Internal Audit (GIA) are taken within reasonable time frame.
-Ensured proper accessible paper-less archiving / imaging and filing environment relating to credit is in place at the country level.
-Ensured post-approval compliance with guidelines, policies and procedures and terms of approval.
-Oversaw the preparation, review, maintenance, and custody of the legal documentation.
-Ensured credit files and security documentation are complete, have controlled access and well-maintained
-Ensured daily monitoring reports are generated, disseminated, followed-up and filed appropriately
-Gathered and consolidated specific credit information for Central Bank/other external parties and generate analysis / trends
-Identified and reported trends that may affect credit decision thru various KPI’s (account activity type and transaction volume, credit utilization etc.)
-Followed up with business and obtain clarifications for irregularities/issues/early warning/ and exceptions
-Responsibility of all credit accounts in Abu Dhabi, Al- Ain, and Al Fujairah branches.
-Provided in depth credit evaluation, reviewing, analyzing, and managing corporate credit facilities, discussed cases in a committee, and gave recommendation to higher committee.
-Provided detailed financial analysis, including interpretation and computation of various financial ratios, reviewing feasibility studies, sensitivity analysis and analysis of default.
-Defined strength and weaknesses, collaterals, management, stress testing and cash flow projections
-Studied serious cases and present.
-Corporate Banking Service.
-Fixing Deposits in Local Currencies.
-Money transfers teller
-FX, LG’s and LC’s.
operator to accomplish the operating of mainframe computer’s at H.O.(HOST), ATM’s, Servicing Programmers, and Branches.
Distinction
Distinction
Ranked 1st in Institution
Ranked 1st in Collage