Assistant Relationship Manager
Dubai Islamic Bank
مجموع سنوات الخبرة :8 years, 11 أشهر
Managing portfolio of corporate clients and translating their various needs for banking facilities into credit facility proposals to be presented for managerial approvals. My current portfolio is Dubai Area related under which the size of the assets accounts exceeding AED 120 Million. Whereas the liabilities portfolio size is over AED 70 Million.
Meeting various customers and obtaining their business information such as: Companies' backgrounds, list of major customers and suppliers, and audited financial statements, ageing analysis reports, legal documents, and other related data.
Understanding and analyzing the customers' business environment, nature of business and associated financial and market risks, and major competitors to indentify the customers' business durability.
Preparing Business SWOT analysis (Strengths, Weaknesses, Opportunities, & Threats).
Arranging risk bureau reports by communicating with other banks as well as the UAE Central Bank, to obtain sufficient assurance about customers' conduct of accounts with the banking institutions and their credit facilities information.
Using Oracle various applications such as: Moody Oracle System and Flex Cube System, to analyze the clients' financial statements and prepare in-depth financial analysis and risk rating.
Identify the financial abilities of the clients' and their repayment resources by analyzing clients' cash flow statements and financial liabilities and assigning suitable facility security structure that matches each client credit model.
Imply recommendations about the clients.
Obtaining management feedback on customers' requests (Approvals or Rejections).
Communicating with various departments to activate approved customers' facilities.
Providing customers' with key business solutions pertaining to the use of the credit facilities and other relevant customer services.
Complete knowledge and awareness in the department products and customer service department products such as: Business and Personal accounts opening, and Auto Loans, in addition to Real Estate loans.
My responsibilities were to handle different parts of the audit related to all the auditing process (planning, interim, & final audit) including preparation of the financial statements under the supervision of my senior managers. Further more I worked on multi national firms within the UAE, preparing the financial statements applying the International Auditing Standards (IAS). I have also finished two technical workshops the 1st was the personal development program technical workshop and the 2nd was introduction to IFRS (International Financial Reporting Standards).