هشام العلوان

A role that encompasses several functions in Risk Management including consultancy and advisory to senior management on prevailing and current credit standards and shadowing the Chief Risk Officer responsibilities. During the first year and as a result of strong performance, Credit Risk function, Portfolio Management function, Credit Administration and Risk Control function where added to me amongst other ad-hoc functions as well, where responsibilities includes, but not limited to:
• Credit Risk Management function; formulating, updating polices and guidelines, Risk Framework formulations in terms of Target Market and Risk Acceptance Criteria, Reengineering of the end-to-end lending cycle SOP and aligning the business units (Wholesale, SMEs, Treasury and FIs) and operations to the new process.
• Credit Portfolio and Risk Control function; establishing and monitoring Early Warning System and implanting EWS indicators, portfolio concentration and segmentation, credit classification and impairments.
• Credit Administration and Risk Control function; management of Limit and documentation control, collateral management and MIS.
• Working with Moody’s for Credit Proposal Workflow system (Lending and Credit process automatons), SME Modeling and Risk Rating system back testing

Responsibilities:
• Managing all GIB Credit Admin and Risk Control departments for daily and strategic objectives.
• Risk Group Corporate Processes Reengineering and policy review and formulation.
• Change Management Mentor and Wholesale Risk Architecture Module Leader responsible for new core system implementation and alignments.
• Member of several senior committees to create and achieve corporate values and objectives
• owner of Credit Admin and Risk control compliance program
Achievements:
• Creating Internal control, compliance and Quality self-assessment procedures
• Formulation/Write up of comprehensive Business Requirements Document (BRD) for corporate and risk automated tools.
• Formulation/ Write up of comprehensive Credit Administration and Risk control procedures manual.

Responsibilities:
• Monitoring and Risk control (Credit, Market and Operational)
• Credit Proposals review and approvals- Credit Committee membership
• Managing the Portfolio reporting
• Overseeing CBK directives for compliance
• Managing the credit administration risk controls
Achievements:
• Creation of Risk control processes guidelines manual
• Review of Legal Documentation formats
• Team member to create the credit approval template
• Review and assessment of Core credit policy
• Review, assessment and calibration of Risk Rating system

Responsibilities:
• Managing Al-Rajhi Credit Admin and Risk Control departments for daily and strategic objectives.
• Risk Group Corporate Processes Reengineering and policy review and formulation.
• Risk Group Architecture Module Leader responsible for new core system implementation and alignments.
• Member of several senior committees to create and achieve corporate values and objectives
• Islamic Products Programs review and approval for risk group compliance
• Credit Proposals review and approvals .
• Credit Programs review and approval for risk group compliance
• Real-estate credit programs review and approvals for Risk group Compliance
• IT solutions analysis for Basel II implementation and Risk compliance
• Member of Risk Rating Models analysis and assessment.
• Credit Committee Member and Risk Manager; approving credit proposals.
• Member of ERADA (bank-wide) change project
• Basel II FIRB implementation working group head
Achievements:
• Deputy CRO
• Full FIRB implementation
• Initiator and owner of Risk Group compliance program
• Recreated Credit Administration and Risk Control from a green field to fully functional group.
• Built quality MIS and reporting tools
• Creating Internal control, compliance and Quality self-assessment procedures
• Formulation/ Write up of comprehensive Business Requirements Document (BRD) for corporate and risk automated tools.
• Formulation/ Write up of comprehensive Credit Administration and Risk control procedures manual.

Responsibilities:
• Assessment and investigation of Fraud cases and Suspicious activities
• Review and assess new operational policies and procedures
• Audit Team member (Samba conducts their audit's activities with full team)

2003- 2007 Region Head, Country Credit & Risk Control Dept. Western Region.
Samba Financial Group, Saudi Arabia
Responsibilities:
• Management of Day-to-Day operations
• Preparing monthly MIS reports to Senior management, Finance department and SAMA.
• Developing the skills of all the Department Staff.
• Planning All-year training for the Department staff
• Assessments and appraisals of the Department staff performance.
• Inter-regional liaison officer for the improvement of Credit Process.
• Conducting periodic Quality self-assessment for all the Departments functions.
Achievements:
Since I joined Risk Group in 1997 as a supervisor from retail group I have received several promotions and became an AGM in 2005. In this period I have held several positions within Risk Group covering Corporate Credit, SME Credit, Private banking Credit and Retail Credit with the following Roles and Responsibilities:
• 2000 -2006 Risk Group Compliance Officer
• 2000-2006 Risk Group Anti Fraud Officer
• 2005-2006 Basel II Project Management Division- Data management/ extraction team lead
• 2005-2006 Portfolio Management and SAMBA Capital Carve out from the parent bank
• 2002- 2003 Acting Region Head, Country Credit & Risk Control Dept. Central Region.
• 1997-2002 Deputy Region Head, Country Credit & Risk Control Regional Department, Eastern Region.
• Credit Documentation authority and coach.
• Trainer and coach over the entire department's processes countrywide.

Sept 1993- June 1997 Head- Accounts Internal Control and Compliance
SAMBA Financial Group- Retail Banking, (RBG) Eastern Region.
Responsibilities:
• Review customers accounts opening files for policy compliance and report errors
• Review operations' transactions and source media documentation for policy and reports errors
Achievements:
• Restructure from Accounts unit to Accounts Internal Control and Compliance Department.
• Develop Quality self assessment tests and procedures
• Ensure full adherence to SAMA's and Internal compliance guidelines
• Identify and remedy internal control gaps
• Revamp and re-write the Customers' Account Opening Documentation Policy requirements & procedures.

Translator (Arabic/ English)