Credit Manager
NCB
Total years of experience :20 years, 4 Months
Managing a portfolio of a restructuring accounts for CBG/IBG customers with all other related tasks of analysis and follow-up.
Managing a portfolio with a total value of SR.900 million, 35 commercial clients.
I have achieved 130% of my 2012 target. This was an increase in the direct financing. Equivalent to 45% for the comparison year.
Attracting new clients within the targeted sectors, and minimize portfolio risk rating to the lowest possible limits.
teams and customers at all locations.
Managing a portfolio of credit customers with all other related tasks of analysis and follow-up.
• Developing new strategies to diversify the commercial portfolio across a broad range of industries, thus minimizing risks. Increasing fee-based income by targeting industries with intensive requirements for Trade/ Finance products.
• Analyzing client feedback to suggest modifications in company’s
business strategy, thus effecting high levels of sales and achievement of company objectives.
• Creating a fully secured and diversified portfolio from scratch, with a minimal defaulting possibility and ensuring vigorous worthiness
evaluation and risk assessment on the customer, prior to any introduction to the bank’s management.
Job Responsibilities -Relationship Manager (Corporate Sector)
• Increase wallet share of existing clients.
• Increase profitability levels and achieve revenue from product mix.
• Analyse and review customer profitability and recommend actions.
• Review and monitor the credit portfolio for each client against budget to identify the gap and take necessary.
• Negotiate the terms and conditions of the facility with existing and new customers.
• Collect financial and other data and analyse e.g. spread and risk analysis.
Joined as a Trainee and charted an impressive growth curve through exceptional performance to merit promotion through Customer Service Supervisor to Relationship Manager.
Designation Chronology
Jan. 2008 - Nov. 2008 : Relationship Manager (Corporate Sector)
Jan. 2006 - Dec. 2007 : Relationship Manager (Business Banking)
Jan. 2005 - Dec. 2005 : Customer Service Supervisor (Business Banking)
Jan. 2004 - Dec. 2004 : Trainee (Future Managerial Program)
Highlights:
Successfully managed and handled 20 to 40 major Accounts and portfolios ranging from SR.50mm to SR.150mm.
Job Responsibilities -Relationship Manager (Corporate Sector)
• Developing new strategies to diversify the branch’s portfolio across a broad range of industries, thus minimizing risks. Increasing fee-based income by targeting industries with intensive requirements for Trade/ Finance products.
• Analyzing client feedback to suggest modifications in company’s business strategy, thus effecting high levels of sales and achievement of company objectives.
• Creating a fully secured and diversified portfolio from scratch, with a minimal defaulting possibility and ensuring vigorous worthiness evaluation and risk assessment on the customer, prior to any introduction to the bank’s management.
• Presenting revenue growth through generation of loans, deposits, fee income and cross-selling all applicable bank services to existing customer base, identifying and soliciting bank services to non-customers.
•.Acting as first line filter for analysis of risk of extending credit to customer including mitigating factors and sensitivity analysis.
• Monitoring quality, product knowledge and skill of all team members, conducting gradation sessions and awareness campaigns for both sales teams and customers at all locations.
Senior Project Title: "The followed strategy of the Saudi American Bank" Other Training Courses Attended: • Institute Of Banking "Analysis Of Cash Flows" - 2008 "Financial accounting 1 &2 (Advanced)"-2008 "Introduction in bank credit" -2007 "Bank financing and credit risk analysis"-2007 "Preparation and evaluation of the feasibility studies" -2006 "Small Business & Project Finance" -2006 "7 Habits and What Matters Most" -2004 "Principles of Shariah-Compliant Banking"-2003 • The National Commercial Bank "Mosahem Program"-2004 "Systems Compliance" -2004 "Fighting Money Laundry" -2004 "Principles of Investment" -2004 "Communication Skills" -2004 "The Service Quality" -2004 "Banking Behaviors" -2004 • The Institute of Banking "Advanced accounting (Presentation and Disclosure Requirements)"-2009 "Interpretation of financial Data"-2009