Manager Credit Risk & Investment
Private Company
Total years of experience :23 years, 5 Months
credit/investment review (banks & country). pre, post and semi-annual corporate/investment reviews. LVPS calc. etc.
credit and investment review (Bank & Country), post, pre, l and semi-annual. LVPS calculation,
1- Review Commercial Banking's company financing proposals
2- Prepare full analysis on financials, proposed collateral, historical payment, terms and conditions, and profit rate all based on balance sheet, cash flow and income statement to be presented to the executive committee for approval in order to reduce risk of default
3-Highlight the risk related to the company and propose mitigates
4 - Recommend payment method, profit rate and maximum permitted exposure
Maintain SME Portfolio increase business and finance credit worthy companies and establishments
financially analyze comment and recommend course of action to higher committees about the borrower
2008 - Present Kuwait International Bank Kuwait
Relationship Manager, Small & Medium Enterprise., Commercial Banking Department
1. Prepare Credit memos and Customer Relationship Management memos for qualified customers to be presented to the approving committees
2. Prepare customer financial spreading and analysis
3. Maintain close contact with customer and monitor account activity
4. Open customer accounts and cross sell to other concerned departments.
2004 - 2008 Ahli United Bank Kuwait
Sup. Financial Institutions Group
1. Maintain Country & Bank Exposures, lines and limits.
2. Support foreign and local Financial Institutions (first line of support)
3. Report over limits and overdrafts while taking necessary action.
4. Monitoring and research Country Economies in order to allocate reasonable Money Market, Trade Finance and Foreign Exchange Lines and Limits.
5. Report on monthly basis country and bank lines and limits activities, utilization and traffic.
2009-2012 Kuwait Maastricht Business School Dasma, Kuwait MBA in General & Strategic Management
2010 - 2010 Institute of Banking Studies Kuwait, Kuwait Certificate in Credit Management
2005 - 2008 American University of Kuwait Salmiyah, Kuwait B.B.A. in Management
1994 - 2000 Palm Beach Community College Florida, U.S.A. Associates of Arts
1990 - 1994 American International School Hawally, Kuwait High School Diploma