Head of Risk
Aljazeera Sudanese Jordanian Bank
Total years of experience :14 years, 6 Months
- Heading a department staffed by 5 employees to deal with Credit Risk, Operational Risk, market risk, liquidity risk, and reputational risk. Also involved to a lesser extent in Regulatory risk (in collaboration with the Compliance Department).
- Developed a framework to operate key functions and processes as part of setting up the new Operational Risk Unit (ORU).
- Developed a new Bank Level Business Continuity Plan (BCP) and Incident Management Procedures.
- Negotiated the purchase of Wolter Kluwers OneSumex . Implementation has been sucessfully concluded in November 2018. Another system, AVRA Credit Ratings Solution, has been installed in November 2018 to automate SME and Corporate client credit ratings.
- Headed a project of obtaining an Initial Internal Rating for the bank with Capital Intelligence Ratings Agency.
- Participated in a project with the Quality Assurance Department to obtain the ISO 9001 designation.
Heading a department of two Senior Relationship Managers, two Relationship Managers, and one Assistant Relationship Manager, to achieve the below:
- Developing the existing portfolio as well as prospecting and acquiring new clients according to business plan/budget, target market and the Bank’s underwriting norms.
- Proactively manage existing portfolio of corporate relationships, source new business, analyze credit proposals, maintain credit quality and generate revenue towards achievement of corporate budget.
- Primary credit accountability for all lending decisions on accounts within job holder’s portfolio.
- To access and analyze credit risk in depth and take responsibility for the preparation of comprehensive limit applications and regular annual reviews in timely fashion.
- To proactively identify potential problem accounts at an early stage and recommend appropriate remedial action to minimize credit losses.
- To identify, market, source and book new business, and develop and monitor existing corporate relationships so as to maximize revenues.
- To achieve the assigned revenue budget including asset and contingent limit increases budgeted.
- To develop a regular calling program with corporate clients and to market the wide range of bank’s corporate, trade finance and treasury products.
- To provide market feedback and competitor analysis in the formulation of new and innovative products.
- Shared responsibility for marketing for liability products in an over banked and price sensitive market.
Relationship Manager,
Corporate Banking Department,
Byblos Bank Africa (Khartoum, Sudan) Feb 2011- Jun 2012
In charge of a portfolio exceeding $100 million (Including the most prominent groups of companies in Sudan)
- Business Development and acquiring new clients.
- Preparing all necessary documents for credit files (i.e. financial statements, cashflows, legal documents etc.), analyzing financial statements and submitting recommendations on credit files.
- Maintaining contact with all clients, to remain abreast of their needs (Direct contact with top management & decisions makers of all companies)
- Obtaining and validating all the necessary documents pertaining to credit files after receiving Credit Committee approval (First degree mortgage contracts, Personal guarantees, etc.)
- Conducting site visits and preparing visit reports (Call Memos)
- Monitoring clients' accounts
- Building relationships with customers and cross selling Bank's products
- Structuring financing operations for clients, using Islamic modes of finance
- Perform risk assessment analysis by evaluating companies' business strategy, management, financial statements, cash-flows and make recommendations to control and reduce risk for corporate borrowers.
- Produce reports to enable comprehensive analysis for specific market industries in order to preview all possible losses that might result from some accounts.
- Follow-up all credit operations from the date of approval to the full repayment of the credit.
Assistant Relationship Manager
Byblos Bank Africa (Khartoum, Sudan) Nov 05 - Jan 10
Teller, Personal Banker, Treasury Officer
Byblos Bank Africa (Khartoum, Sudan) Mar 05 - Nov 05
Sales Representative
Elite Marketing Co. (London, UK) Jun 03 - Jan 04
Bachelor of Science in Political Economics - 2001, American University in Cairo (not complete)
GCSE and A Levels - 1995, St. Mary's High School, Dubai, UAE
