Head of Middle East Credit Risk Management Unit
Byblos Bank
Total years of experience :22 years, 10 Months
• Manage the credit risk of Byblos Bank portfolio of borrowers (corporate and middle market clients) in the Middle East region and specifically in Byblos Bank Iraq and Byblos Bank Syria subsidiaries, in addition to other borrowers in KSA and UAE that are directly borrowing from Byblos Bank Lebanon through its International Corporate Department
• Review and analyze each credit file (upon initiation and once per year) before sending it to the credit committee for final approval making sure that it fits within Byblos Bank policies and risk appetite. The risk assessment and financial analysis covers all aspects of the borrower (5Cs: character, capacity, capital, collateral, conditions) after making sure that all the required information is properly disclosed through open communication with all relevant parties (Relationship Managers, Customer Information Department, Legal Counsel, Compliance Officers…)
• Monitor the credit portfolio to identify borrowers that are witnessing due unpaid accounts on a Bi-weekly basis using the available MIS tools. Communicate with the relationship managers to identify the causes and set the proper remedial actions plans. Propose an action plan to treat adverse deterioration in borrower’s financial health or sector or sovereign risks & recommend classification when necessary. Highlight and report any portfolio concentrations or any breach to the laws, rules, and regulations set by the bank or by the regulatory authorities
• Ensure proper documentation upon reviewing client’s files to support bank’s legal enforceability with respect to the established debt & to the held collateral
• Review the credit policies and procedures of the related subsidiaries to make sure that they properly identify the risks that are not within the risk appetite set by the relevant committees and that they assign a set of controls or measures to mitigate the risk to the acceptable risk return level
• Prepared Operational Risk training presentations for several departments to enhance the awareness of Operational Risk
• Commented on & drafted the risk analysis for several products/processes whereby the related risks are identified & mitigated accordingly
• Prepared a framework of Risk Control Self-Assessment & its reporting format
• Built a loss database by collecting Operational Risk losses, prepared a report for the methodology used in collecting the data, & developed a loss reporting mechanism
• Mapped branch audit findings & prepared related trend reports
• Performed a pilot exercise for PL accounts mapping according to Basel II 8 business lines
• Held all accountings books and the day-to-day accounting journal entries
• Implemented a new accounting software
• Billed all clients on time and followed up closely on their payments with zero default rate throughout the tenor at the company
• Paid all supplier expenses after verifying all related invoices
• Performed audits to provide an objective assessment of the performance of various activities in the bank in accordance with professional standards & developed recommendations for improvement
Completed the one year military service as an auditor in the Money & Audit division at the “Kowameh Directory”.
Focus: Accounting & Finance
51 Courses in Accounting, Economics, Finance, Marketing, Management, Statistics, Computer Programming… Final Project: Le Vendome Inter-Continental Beirut: A managerial and financial analysis of an international chain property in Lebanon. Project evaluation: Very Good