Hussam Hassan

o Protect the bank's assets in commercial and corporate accounts.
o Closely monitor customer facilities in order to prevent them from being overdue.
o Focus on the collection of overdue amounts in the facility accounts with a view toward recovering the interest suspended, & writing back the provisions.
o Install an early detection mechanism for delinquent accounts & furnish timely information to all concerned departments.
o Liaise with internal lawyers and follow on a pro-active basis to ensure expeditious resolution of legal cases and quick filing of legal action
o Analyze financial statements, review cash flows & all other financial data provided by delinquent corporate borrowers to prepare proposals for the Risk & Board Credit Committees
o Provide periodical & timely information on corporate delinquent debt and prepare position reviews on quarterly NPA monitoring forms for Risk Management
o Review the Audit Comments on Classified accounts and take pro-active action to prevent further deterioration and improve asset quality and recovery prospects

o Prepare Daily / Monthly cash performance report for the Central Treasury from Financial Planning section / Financial Services Section.
o Daily / monthly follow-up money service counting for all government departments in Ajman, Reply to all department's comments and inquiries if any, and ensure the implementation of the service as required.
o Monthly / Quarterly assessment and rating of the stock owned by the government at the local financial markets.
o Monitoring the renewal process of business licenses for companies owned by the Government of Ajman.
o Follow all the processes related to the central treasury account and monitor the operations of bank transfers that were in all accounts of government departments in Ajman.
o Follow-up depositing process of all profits owed to the Government of Ajman in the due date (U.S. dollar account profits, corporate profits & selling stocks and investment portfolios).
o Follow-up of all investments owned by the Government of Ajman.

• Started in Dec 2007 in the SME collection unit with cash collection targets assigned monthly. Assisted in creating a fully-fledged system for SME collections. In Feb 2011, I moved to the Real Estate unit; handling and managing mortgaged assets for both Land and income producing commercial and residential properties. In Sep 2012, opportunity to work in corporate unit gave me wider scope and increased challenges. Dealing with VIP customers as well as large corporates, I was directly assisting the VP-Head of Department in implementing the strategy approved for each account.

• Position held gave the chance to experience supervisory exposure & added value of professional management skills and global work environment by managing corporate business & retaining long term business & interacting with corporate type of clients on daily basis.

• Achieve assigned targets with regards to cash collections and provision recoveries by ensuring timely follow up on overdue cases as per collection policy.
• Call delinquent customers and send reminders or warning letters according to delinquency stage.
• Visit and meet delinquent customers in their places, negotiate settlement plans and prepare call reports.
• Request Financial Statements from delinquent customers and analyze data and provide feedback to management.
• Coordinate with Business Banking Unit /Corporate Dept / Contracting Finance Dept to ensure that over dues managed by their respective units are well controlled.
• Escalate all risky cases to head of Remedial Management and document action plans accordingly.
• Prepare for regular meetings with other Departments to review all delinquent cases managed by those Departments and ensure that cases with risk rating default or worse are timely transferred to Collections & SAM.
• Prepare monthly reports and MIS upon request.
• Prepare settlement plan reports for cases above department authority to be submitted to the Collection Committee with full details of the case, starting from delinquency and ending with the best recommended solution.
• Recommend and prepare criminal/civil cases as per collection policy.
• Present the right image of the bank while contacting internal and external customers.

•Conducting Field visit for Suspect fraud check on Customer and Company Profile
•Vigilance for the credit card/loan application. Random check on files before evaluation in the application process.
•Assisting in investigation of cases which are confirmed fraud.
•Interacting as mediator between the Customers & the Risk & collection depts. of the Bank
•To co-ordinate with Credit Department in order to control Fraud applications at the time of sourcing

•Coordinate visits and other events.
•Prepare nametags, materials, notebooks, gift bags, registration lists, seating cards.
•Keep track of event.
•Prepare and modify event contracts as requested.