Head of Retail Banking Credit Section - Private Banking & Affluent Banking
Riyadh Bank
Total years of experience :16 years, 6 Months
Key Deliverables:
• Spearhead the day-to-day operations of the department, to ensure compliance with established standards & procedures.
• Conduct risk assessment analysis by analyzing credit data, bank statements and audit reports to determine the degree of risk involved in extending credit and to establish their credit limit.
• Coordinate for processing of credit proposals including credit analysis and financial ratios; analyze data such as income growth and quality of management to determine the creditworthiness of businesses.
Key Deliverables:
• Apply risk management techniques and principles to identify, control and reduce risks involved in granting credit facilities to borrowers, monitor repayment schedules and patterns to anticipate losses in advance.
• Assess and determine the quality of bank’s assets regularly, recommended changes to strengthen the credit appraisal process and increase reliability and accuracy of decisions.
• Identify opportunities for continuous improvement of systems, processes and practices considering ‘international best practice;’ improvement of business processes, cost reduction and productivity improvement.
Key Deliverables:
• Managed and controlled a large portfolio of clients, and maintained healthy relations with them to build the portfolio quality by developing existing accounts & sourcing new relationships.
• Built and managed rapport with corporate customers to ensure optimum customer acquisition, retention, and revenue generation from the sales of corporate banking products and services.
• Analyzed existing customer base to create opportunities for portfolio growth to meet and exceed financial targets and ensure multi-product holding per customer.
• Identified cross-selling opportunities for different bank products to existing and new clients, provided clients with financial advisory services, and resolved customer grievances in time while building a loyal customer base.
• Led efforts to ensure portfolio growth, developed a target sales pipeline and aggressively marketed banking products.
Key Deliverables:
• Built and maintained CRM to enhance the database in collaboration with IT department, to ensure the updates incorporated and reflected.
• Studied and analyzed credit proposals, requests for renewals, enhancements, extensions etc. to ensure that they are in line with prudent business practices and Bank’s Credit Policy manual including prudential regulations.
• Based on the financial data provided by the customer, determined the repayment capability of the customer by evaluating the flow of cash.
• Ascertained the feasibility of the venture/ loan application by analyzing the applicants' financial status, credit, and property evaluations.
• Authorized and checked banking transactions and regulatory procedures & compliance know how.
Key Deliverables:
• Utilized and Implement Moody's System for evaluation of qualitative and quantitative information of the prospective debtor for assessing credit risk of a prospective debtor and an implicit forecasting of the likelihood of the debtor defaulting.
• Ensured full compliance to all SAMA and internal credit policies and procedures.
• Involved in the interpretation of financial statements, cash flow analysis & projections; prepared visibility studies and project analysis reports.
• Prepared credit presentations, credit memorandums and financial analysis, while ensuring adherence to credit parameters.
• Provided necessary guidance and possible help to other colleagues to help achieve improvement on personal and professional level.