Sr Relationship Manager
Commercial Bank of Kuwait
Total years of experience :15 years, 3 Months
Currently working as a Credit officer with Commercial Bank of Kuwait managing a portfolio totaling to $340Million. My expertise also covers: Contract /Project financing (PPP projects) Working capital solutions Syndicated financing Debt Structuring
Key account manager for corporate clients
• Preparing Analysis & Business Valuation reports based on the financial statements by means of key financial ratios and other various control norms for potential corporate clients out lining the key findings and feasibility of sanctioning the loan (2-3 years Financial Statements).
• Preparing SME Credit proposal report with the analysis report, outlining the focal points of the analysis and recommendations to be circulated to the Risk department and the MCC members (Management Credit Committee).
• Assisting the Director of Credit in the MCC meeting with the credit proposal (Corporate)
• Assuring the loan request and sanction are in line with Arzan groups SME policy and as per guidelines laid out by the Central Bank of Kuwait
• Corresponding with the client with regards to ambiguous entries in their financial statements.
• Conducting Field/site visit with the corporate Sales team prior to the sanction of the loan.
• Conducting market research in order to get a clear depiction of the company’s status in the market.
• Corresponding with the SME/Corporate Clients regarding their installments and loan repayments (Call Check) post sanction of loan requested
Credit Analysis: Analysis of Audited Financial Statements of the company availing credit facilities. (2-3 years)
• Preparing Analysis reports based on the financial statements by means of key financial ratios and other various control norms.
• Preparing Credit Approval Memo (CAM) with the analysis report, outlining the focal points of the analysis and recommendations.
• Commencement of Loans (Car & Trade), arranging for payment of suppliers and company overhead expenses.
Accounts Payable/Supplier Relations
• Preparing accounts payables of the firm.
• Liaising with suppliers regarding payments/outstanding invoices.
• Providing solutions to supplier enquiries and disputes.
• Preparing daily supplier payment reports.
• Liaising with customers pertaining to their loan activation
As Revenue Officer,
• Responsible for maintaining strict audit procedures / requirements.
• Dealing with large monetary transactions, mainly Land tax, Payroll tax and Stamp duty payable to the government.
• Investigating payments for adherence of correct receipting processes and Project work.
Highlight:
• Awarded Employee of month for May 09
As Customer Relation Officer,
• Providing customers solutions pertaining to their Tax payments
• Ensuring the customers are satisfied
• Assisting in answering the customer’s queries regarding their tax payments