Head of Facilities (Masyoun Branch)
Bank of Palestine
Total years of experience :17 years, 3 Months
Designation Chronology:
• Feb 07 - Present: Head of Loan Department (Masyoun Branch)
• Jan 07 - Jan 09: Head of Revision and Audit Department (Ramallah Branch)
Key Responsibilities:
• Overseeing loan extensions and approving credit applications by ensuring customers provided the facility possessed the desired level of credit worthiness.
• Keeping continuous liaison with customers to keep them informed about the various documentation requirements to be fulfilled in order to smoothly process applications.
• Proactively monitoring the housing market to develop strategic alliances with different market partners in order to develop demand for the mortgage market.
• Carrying out in-depth and detailed financial statement analysis to determine paying ability of different business organizations of varying sizes interested in availing the credit facility.
• Proactively monitoring the loans already extended to ensure timely payment has been made as per the agreed upon payment schedule.
• Forwarding chronic late payment customers’ details to the recovery department to initiate a suitable action as per the situation.
• Building strong business relationship with customers by identifying their business needs and accordingly offering them with financial products which would adequately fulfill their requirements.
• Reviewing current lending policies in light of bank’s regulations and local banking laws to provide suggestions for improvement in order to reduce business risk.
• Taking care of other banking tasks including negotiations with customers, swift credits, guarantees, and bills receivable.
Key Responsibilities:
• Reviewed, improved and successfully implemented all internal control as well as audit procedures to maintain transparency of banking operations.
• Introduced comprehensive updates to audit risk universe involving gathering of new information, managing internal audit tasks and fulfilling investigative function.
• Worked with the senior audit management to identify weak business process areas to bring in technology and new audit tools for improvements.
• Scrutinized currently in place audit quality assurance measures to introduce new quality assessment processes while adhering to general banking guidelines.
• Ensured all recommendations and action plans formulated during audits through internal or external audits were kept in record for evaluation and investigation purposes.
• Managed the entire audit effort involving defining scope of work required, overseeing the planning phase, setting deadlines, and ensuring timely completion of assigned audit tasks.
• Handled other important tasks relevant to audit including establishing integrity of processes under usage, checking accuracy of financial information provided, scrutinizing transaction approvals, safeguarding bank’s assets, and guaranteeing effectiveness of controls placed.
Courses Attended: • Fundamental of Financial Analysis from Training Center at Bank of Palestine. • Rehabilitation Program of Banking from Training Center at Bank of Palestine. • Finished first part of CMA from Ritaj Training Center • Credit Management Diploma Program • Certified Lender of Palestinian Banks
• Professional Diploma In Credit Management From The Arab Academy For Banking and Financial Sciences. • Certificate On Housing Financial Policy
