Sr. Officer
Jordan Dubai Islamic Bank
Total years of experience :13 years, 11 Months
• Reviewing the credit policies of the different business units.
• Developing the credit risk policy for the entire bank in accordance with the bank’s strategy.
• Working as an administrator of the credit risk rating system “SunGard”.
• Working as an administrator of “portfolio Strategist” system from “SunGard” for monitoring corporate credit portfolio.
• Conducting an annual validation process of the credit risk rating system.
• Conducting a thorough stress testing on a semi-annual basis.
• Developing & running an ICAAP process.
• Conducting a thorough & practical study on “Basel III standards”
• Continuous monitoring, managing, & reporting of the credit portfolio risk management.
• Monitoring the provisioning & capital Adequacy on a quarterly basis.
* Developing Risk models for PD calculations using mapping, statistical methods (Discriminant Analysis, Logistic Distribution) Historical, Expert Judgment across corporate customers, Economic Industry, retail products.
* Developing Risk Model for LGD calculations across different types collaterals, customers, industries.
Developing a Risk-Based Pricing model for corporate customers.
• Reviewing the risk management quarterly report.
• Preparing the quarterly risk report.
• Reviewing stress Testing Process & results.
• Review & assess Credit Reports submitted by the business lines based on respective policies, procedures and approved authorities’ matrix.
• Review regular credit control reports relating to the portfolio credit performance and recommend necessary actions with related parties on any policy breaches / negative indicators.
• Monitoring Provisioning & Capital Adequacy.
• Reviewing the reports of the Non-Performing facilities. “NPL”
• Reviewing credit application for corporate customers from a risk perspective.
• Monitoring liquidity position on a weekly basis.
• Monitoring the market risk of the equity investment portfolio on a daily basis.
• Control & manage market risk on a continuously.
• Developing an operational risk framework for the entire business units.
• Develop a risk cultural throughout the entire business units through training courses & workshops.
• Reviewing & assessing all the Governmental insurance contracts from a risk perspective.
• Identifying the risks that exist in the processes of the dept.
• Designing the procedures of the dept.
• Assessing the pricing of the contracts from risk perspectives.
Completed in 3 years, with Excellent degree
