AVP - Risk Management - Approval Unit
Dubai Islamic Bank
مجموع سنوات الخبرة :20 years, 11 أشهر
1.Job: Currently Portfolio Manager (Approval Unit) Handling SME’s, Corporate, & backup for Contracting Portfolio
2. Objective: Ensuring proactive involvement with business units with respect to credit due diligence process covering communication, resolving issues with maintaining reasonable turnaround time.
3. Attend quarterly meeting along with Unit Head with Business Departments Heads to discuss credit related issues e.g. past due, expired facilities, quality of CP's & account Risk Ratings.
4. Visiting at least two customers per month in co-ordination with Business Departments.
5. Attend monthly meeting with Head CRM along with the Units Head for reviewing the Department's performance, and future plan on increasing the efficiency and effectiveness.
6. Process: Credit Due diligence analysis (CDD) & presentation to approval authorities must identify all risks in credit with appropriate mitigates. All CDD must contain express comments, recommendations or reservations covering all aspects for counter parties. CDD should cover, Accurate Risk Grading, Confirm accuracy of financial Spreads, Review of Financials with Notes, Security coverage, Business/Industry Risk, Management /succession, Wallet Size, Risk Reward, Economic/Political Risk associated with credit.
7. Ensuring that all credit proposals along with the Department's due diligence analysis comments & recommendations are presented to the approval authorities on the standard formats. The CPs comply with the policies guidelines and processes and exceptions, if any are Clearly identified to approval authorities. Further, CPs should be got approved from the relevant authority as outlined in the CPM within agreed SLA time frame.
8. Proper monitoring of accounts for warning signs in credit through review of Documentation Exceptions, past due liabilities, expired limits.
9. Allocate credit limits and risk categories through Reviewing, & Recommending, facility structure & customer exposure.
1. Implement develop and maintain bank's risk management policy as per Bank Strategies.
2. Assist the Management's decision in granting credit facilities and evaluate the related documents
3. Implement Internal Rating System to comply with Basel II.
4. Carrying out portfolio analysis and recommending mitigation techniques.
5. Carry out Sector analysis.
6. Advise Account Managers and Business Managers how to limit credit risk (payment terms, payment conditions, guarantees, credit risk insurance)
7. Control the utilization of credit facilities, by Allocating credit limits and risk categories (authority levels, one obligor concept).
8. Manage and provide training and guidance to staff regarding established guidelines, policies and procedures related to Service Level Agreements.
9. Participate in problem loans/credit facilities and recovery management.
10. Determine the creditworthiness of customers and countries.
11. Developing and implementing Credit Policies operating procedures.
Corporate Credit Risk Officer
1. Reviewing and matching full Package according to the following:
a. Bank credit policy
b. Central Bank of Egypt rules and regulation
c. Client's asset conversion cycle.
d. Financial analysis spreading
e. Risk associated with the industry.
f. Means of Risk mitigation
g. Structure of facilities
h. Collaterals
i. Ways out
j. Management
2. Reviewing full package documents and attachments
a. Credit Proposal and Credit analysis
b. Investigation report provided by investigation unit
c. CBE aggregate Credit Position, negative list checking
d. Call report
e. Conduct financial analysis and spreading.
f. Risk rating
g. Expected profitability
h. Position of clients related parties
i. Client declaration regarding his related parties
3. Provide a clear idea about weak points in the Credit proposal.
Product Development Officer - Retail Division
• Developing new products and existing ones
Credit Cards
o Prepared market study and research concerning credit cards and setting marketing plan for launching
o Launched MasterCard credit Card program (Standard and Gold cards) and obtaining specific approvals.
o Participate in setting MasterCard credit card rules, regulation, circular and work flow.
o Participate in Launching First Platinum MasterCard Credit Card Program.
o Participate in Implementing Visa credit cards Program (Classic, Gold and Electron), issuing project (pipe line) and acquiring project.
o Designed credit card application, kit, mailer, and statement contents.
o Prepare Central Bank of Egypt statistics, report (aggregate Credit position)
o Customer follow up and collection
Prepaid cards
Internet Card / Branded Prepaid Card
• Assigned to implement a branded MasterCard prepaid card for Haj and Omra and Internet card nearly 90% achieved :
o Design Application content
o Rules and regulations
o Marketing materials
• Assigned to implement Implementing New Projects
• Project manager for a Mutli-Channel banking service which represent customer delivery channel:
o IVR channel
o SMS channel
o Fax Channel
o E-mail channel
o Designed Client Application, marketing Materials, work flow.
• Project manger for implementing negative list file requested by Central Bank of Egypt by generating a monthly electronic file with delinquent customers
• Assigned for Implementing the CRM application (Customer Relationship Management), Microsoft application for small and medium enterprises.
Due-diligent team to study Personal Loan portfolio of Jammal Trust Bank (JTB) (Egypt Regional Office) to buy it
• Personal loan Portfolio that finance and white goods.
• Loans are introduced to customers by marketing companies to government employees, and Pensioners.
• Checking and Studying portfolio Documentation and arrears.
• This unit was established to implement new Core Banking application.
• Participate in implementing a new Core Banking application.
• Participate in Preparing the BPR (Business Process Reengineering) for the whole departments of the bank as a work flow, steps and process.
• Assigned to be responsible for Training bank staff on new core banking application.
Graduated from Faculty of Economics and Political Science with Major of economics and Minor Management. joined the football team of the faculty