Husam Hammad

Dubai April 2011 - Sept 2011, KSA - Riyadh Sept 2011 - July 2016

Established a profitable commercial lending business for Emirate NBD in KSA branch from scratch (founder of Commercial lending Business) with the following main job tasks:

Establish and implement Business strategies, goals, and objectives for the unit and specify actions to achieve them.
Leading of profitable growth and development of KSA-Business Banking & SME business within the framework of sound credit and risk management principles.
Target the Business Banking (commercial) accounts through a unique sales methodology which meets the commercial banking. Acquire and convert new-to-bank accounts with more emphasis on portfolio building for lending products. Drive KSA- Business Banking targets.
Ensure sales & profit targets are achieved on all areas of asset, liabilities, and trade finance along with maintaining least level of nonperforming loans by closely monitoring team activity in daily tasks and responsibilities.
Participate in develop & design Business Banking Credit Policy and Procedures.
Set up Credit underwriting process, operational work flow and loan booking platform through research and analysis and best practices in the market as a guidelines in managing business portfolios. Initiate effective processes development for efficient customer service.
Reviewing overall process and other units’ services to ensure implementing all services quality standards then after signing a service level agreement with all related units.
Managing an effective team of TLs and RMs & filling any vacant positions as per the designed organization chart in a timely manner. Coaching and manage their performance, ensuring that all concerned staff members are properly trained on the product offering, Risk and operational procedures.
Structure product programs for Business Banking and lending business and continuous improvement of product offerings. Increase awareness on products and markets amongst the sales team to meet customer needs and exploit market opportunities.
Assist Business Banking team as a senior consultant on lending, Review proposals and formulate an opinion of risk. Approve if within my delegation authority or recommend proposals to respective Credit Authority.
Supervise the preparation of quality Credit Applications appropriately highlighting relevant risks (e.g. market risk, business risk, financial risk) and incorporating suitable mitigates, covenants, and term and conditions. If required, attend joint calls and visits to customers (existing & potential) in complete synchronization with the assigned Client Relations RM to better assess & understand the customer’s business nature, requirements, and associated risks.
Create a new marketing campaign for brand awareness in coordination with marketing team.
Design & implement all the required MIS reports (Daily, Weekly, monthly etc) to monitor the business & achievements.

Effectively managed the assigned lending portfolio in order to achieve the profit and assets growth targets, at the same time minimizing the associated risk.
Part of the credit committees as a Credit Officer (CO).
Highly experienced in structuring financing deals supported by deep understanding of business and clients’ requirements.
Responsible for maintaining quality of credit portfolio, assist RMs in structuring credit lines, ensure compliance to all guidelines and direct team of RMs for managing the bank portfolio.
Capably formulated the business plans for the allocated portfolio and prepared informed business decisions with regard to risk / reward.
Understanding the customers' business well and proactively offering solutions that meets their business needs in a quick and efficient manner and by being there when needed.
Identify dominant commercial clients and provide specialized and tailor-made services regarding all bank’s products and services to existing and new commercial clients.
Visit and follow-up clients to ensure that overall support and guidance are provided for commercial clients to achieve target objectives with bank’s policies, procedures and marketing plans.
Review financial analysis using advanced credit skills; ratio analysis; balance sheet and cash flow analysis and projections; evaluation of security; evaluation of parent support; judgment of management and strategy.
Review credit proposals and recommend to relevant committees.
Ensure that the approval procedures, standards of credit and maintenance, conform to controls/procedures established by credit risk for the business unit.
Ensure compliance with Bank's policy and to ensure that Bank's policy breaches are properly authorized at the correct senior approving level.

Managing one of the largest corporate lending portfolios, in order to achieve the profit and assets growth targets, at the same time minimizing the associated risk.
Managing effectively a team of credit officers.
Providing sound financial advice and offering customized product solutions
Oversee assigned accounts & introduce new customers.
Prepare financial and credit analysis to recommend to the credit committee for discussion and decision making.
Follow up with clients to ensure due repayments.
Manage and maintain credit clients’ portfolio in accordance with the bank’s policies and acceptable risk standards.
Foresee clients’ business needs and quickly match them through proper line structure and implementation.
Develop business plans, budgets, and prospective clients’ lists
Cultivate new client relationships in order to extend credit facilities with minimum associated risk.