محمد احمد حبيب المرزوق المرزوق

Consumer Credit Operation Assistant Manager
• New products testing
• Participated in SAMA & SIMAH auditing
• Early settlement (Partial& full settlement) and clearance issuance.
• Responsible of closing call center, branches and customer care logs.
• Responsible for buy out loans payments to the other banks.
• Responsible for department internal accounts reconciliation.
Consumer Credit Operation Officer
• Managing the Risk operations and controls on the total consumer portfolio.
• Supervising operational controls for over SR 3.2 billion portfolio with 45, 000 customers.
• Managing daily loan settlements and their respective reconciliation which is affecting the overall consumer portfolio.
• Controlling the processing of Top-Up loans with respect to settlements.
• Monitoring the daily commodity on Islamic Loans.
• Reconciliation of the commodity Vs processed loans which are being maintained.
• Responsible for the reconciliation of internal accounts used for the processing of Islamic loans.
• Monitoring and validating accounting entries on end of the day once loans are being processed.
• Responsible for monitoring the recovery of the installments and taking the appropriate actions.
• Responsible for monitoring of salary blocking on the respective re-payment date of the customers.
• Responsible for loans WRITE-OFF once it reaches 180 DPD (days past due) also reconciliation of the provision accounts is our responsibility.
• Collection of recovery for FWOF cases, once any credits comes to the defaulters accounts.
• Managing the day-to-day activities of the department which includes Approvals, Rejection and Booking and maintenance.
• Providing MIS reports to the management and sales on the daily activities.

Retail Credit Underwriter
1. Evaluate credit proposals related to retail bank’s loan facilities for approval/rejection decisions within delegated authority and within turnaround time.
2. Liaise with Front end or branch staff for necessary additional documentation and/or verification required for satisfactory evaluation of Credit proposals.
3. Highlight and escalate relevant aspects of credit proposals to Head of Retail Credit for review in instances where such information materially affects the decisions. This should be either on the basis of pre-defined criteria or underwriter judgment in view of Credit proposal under review.
4. Highlight common trends observed in referred credit proposals to Head of Retail Credit to fine-tune policy

Usamah Tabbarh Company (NEXIA), Auditors & Consultants (2011-2012)
Responsibilities:
• Responsible for all office tasks like filling, typing, writing letters, setting appointments, hotel reserves, and tickets flights booking.
• Acting as the Company representative when dealing with the Department of Zakat and Income tax.
• An active team player for several professional engagements performed such as reviews and diagnostic studies
• Entering of daily transactions in to a computerized system (AFAQ accounting system) and preparation of journal vouchers.
ily activities.