Joseph Azar

Direct and evaluate performance of commercial portfolio actions; design budget and pricing strategies based on credit analysis. Advise senior management on objective and policy planning in alignment market intelligence. Calculate optimized interest rates and enhance cross-selling tactics for continuous business generation. Assess effectiveness of multidisciplinary processes in company credit risk management, including quality, accuracy, and regulatory compliance control. Identify potential and emerging risks; incorporate corrective action measures to resolve issues. Oversee liquidity status by formulating forecasts on commercial lending reimbursements and disbursements.
● Established commercial lending department, thereby introducing and steering effective risk management and credit review processes across organization.
● Conceptualized internal structure of bank in collaborative project with management credit committee.

Steered loan portfolio activities by advising on credit facilities, commercial optimisations, and business growth. Conducted creditworthiness reviews of potential customers and approved or rejected loans based on credibility data assessments. Supervised risk management for portfolio of small and medium enterprises (SMEs) as well as corporate clients. Guided efficiency in account movements and regularisation of unauthorised overdrafts. Oversaw commercial banking operations to ensure high-level conformity to quality standards, company objectives, and industry protocols.
● Expanded portfolio level by formulating and integrating internal credit policy.
● Boosted utilisation of facilities and successful closure of business deals by fostering long-term business relationships with existing and prospective clients.
● Triggered increased compliance to control aspects through initiation of financial analysis, documentation, and client engagement procedures.
● Advanced employee development across multiple departments through coordination of rotational training programs.
● Promoted from Credit Officer and Relationship Manager positions as result of outstanding credit management.