Chief Consultant for Financials and Economics
Confidential
مجموع سنوات الخبرة :28 years, 4 أشهر
• Support the decision makers with recommendations related to economic, financial markets, investments, banking, regulations, lows, sovereign funds...etc
• Maintain knowledge and stay abreast of developments in the fields of industrial technology, business, finance, and economic theory.
• Monitor fundamental economic, industrial, and corporate developments through the analysis of information obtained from financial publications and services, investment banking firms, government agencies, trade publications, company sources.
• Prepare plans of action for investment based on financial analyses.
• Present oral and written reports on general economic trends, individual corporations, and entire industries.
• Reviews financial statements and activity reports to ensure that organization's objectives are achieved and establishes and monitors internal control procedures
• Analyze financial information to produce forecasts of business, industry, and economic conditions for use in making investment decisions
• Evaluate and compare the relative quality of various securities in a given industry.
• Interpret data affecting investment programs, such as price, yield, stability, future trends in investment risks, and economic influences.
• Lead the investment projects related to government.
Country Head OF Credit Admin.&Risk Control
Arab Bank plc
United Arab Emirates
Responsibilities:
Headed 16 qualified credit Admin. and control, Supervisors & Officers over eight branches.
As head of the Credit Administration department, - Credit Administration shoulders the overall responsibility of the credit administration function &Control including loan documentation, risk controls, management of limits/interest conditions in the system, insurance, mortgages etc, also responsible for monitoring all the excess/irregularities in the customer accounts.
To ensure that the Credit Approval are approved by the required approval authority and with line with credit policy, more over the compliance with CB of UAE, and Jordan regulations.
Ensure that all security documentation complies with the terms of approval and enforceable and any exceptions are appropriately approved prior to disbursement of loans.
To monitor security coverage to ensure appropriate coverage is in place over assets pledged as collateral, and is properly assigned to the bank.
To maintain control over all security documentation .
To monitor borrowers compliance with covenants and agreed terms and conditions, and general monitoring of account conduct/performance.
Ensure compliance with internal polices and procedures and external regulatory requirements, and that all internals and external audit recommendations are implemented.
Ensure the department operations, including the preparation of loan documentation, recording of charges, and reporting of exceptions is done in a timely manner.
Member of:
Country Management Committee.
Country Operational Risks Committee
Assets Liabilities Management committee.
Implementing the Basel II.
Management Credit Committee
Remedial Credit Committee
Responsibilities:
• Monitoring the individual functional risk profiles within the company, with close association with the line managers through continuous CRSA testing, and suggesting immediate corrective measures when CRSA testing is delinquent or the results show a deteriorating control environment.
• Guiding line managers on the amount of risk appetite reflected in their risk profiles and formally reviewing these every 6 months.
• Briefing senior management analyst, investors and the board of directors about the current control environment across the bank after analyzing all pertinent information, and making recommendations for improvements.
• Reviewing necessary performance analysis of the various departments of the bank, proposing financial models, and projecting balance sheets, cash flow, income and profit margins.
• Conducting financial market analysis, examining the investment options and driving the credit management portfolio.
• Generating weekly, quarterly and annual reports to present to the higher management.
• Deciding, as a member of Steering Committee, upon the viabilities of existing global partnerships by analyzing existing clauses.
• Assessing mergers and acquisitions, future tie ups possibilities with leading technology industries, with respect to risk analysis, logistical overheads, financial restructuring and ROI.
• Comparing year-end budgeted-to-actual sale, income and expenditure, analyzing causes for non-conformity with projections and proposing corrective steps.
• Suggesting the design and implementation of new compensation and incentive plans to enhance employee performance and ensure target achievement.
Achievements:
• Implemented a turnkey banking system, instituting parameterization for all operations.
• Centralized operations leading to 25% reduction in overheads and increased the efficiency of 30%.
• Introduced scoring system for the credit departments (retail, corporate, commercial).
Responsibilities:
• Headed 12 highly qualified financial professionals and played a major role in shaping various, policy, investment and future expansion decisions of the top management.
• Provided a thorough analysis of every possible organizational financial parameter, like, risk analysis, SWOT analysis, overheads, cash flow, profit margins, partnerships and logistics.
• Devised employee remuneration packages and suggested course corrections to optimize profits.
• Coordinated between PMA and KPMG as director of the Governor office, was the operational point man for all departments.
Achievements:
• Established the off site supervision department which included all aspects of financial analysis and risk management at bank's branches in Palestine.
• Instituted a coaching system and implemented inter-departmental training for the staff on fundamentals of financial analysis.
• Determined the risk exposure for various corporate credit proposals and made recommendations of terms for approval.
• Reviewed credit documentation upon completion.
A qualification merited upon the successful completion of professional examination by the USA Banks Union Incorporation- sponsored by the Arab Academy for Banking and Financial Studies. Other Trainning Programs: • Planning & Marketing Skills for Banks Credit Sector • Letter of Credit • Banking Transfers • Assets/Liabilities Management • Organization Culture • Guarantees • Foreign Exchange Market • Developing Call reports& Off –Site Analyze • Financial programming and polices • IMF • Analysis of Macro Economic • Banking Supervision Seminar • Management of Financial Policy • Basic Banks Supervision • Banknote Security and Automatic Banknote Processing • Functions & Operations of Banking Supervision • Computer Based statistical analysis of financial • Bank Financial Accounting • Feasibility Study • Functions, Duties, Operations of central Bank • Comprehensive Bank • Function, Duties, for Amman financial Market • Detection of Forgery & Bank Counterfeiting • MS Office Applications • Computer Advance Seminar • Windows 95