Head of Credit and Collection
Jordan Ahli Bank
Total years of experience :27 years, 8 Months
Credit and Collection
Responsible for the review and approval of credit proposals of the Bank and to maintain a good balance between returns and risks exposure.
Leads a team of credit approvers to ensure high standard credit quality of the portfolio by using various credit assessment tools.
Engages the development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team members.
Review and develop the Bank's credit approval policies and guidelines as well.
Overall responsibility on the bank's credit approval and control Process.
Establish, implement and manage administration and review of credit systems to protect the quality of the loan portfolio and to conduct efficient approval process.
Supervise and direct the work of subordinates in credit approval, ensuring that credits adhere to existing credit guidelines and comply with the requirements of Central Bank.
Approve and reject credit applications within the approved limits.
Analyze work-flow of all activities and recommend process improvement to ensure productive and efficient operating methods in place.
Manage and Oversee the collection and credit policies implementation, development and enhancement of collection and credit process .
Manage a large team of collection and credit officers, supervisors, delinquency control manager and credit manager.
Manage and control the full delinquency and control of Retail Banking .
Oversee the collection policies implementation, development and enhancement of collection process .
Manage a large team of collection officers and supervisors .
Fully utilize available tools to enhance the portfolio quality .
Demonstrate a strong work ethic and maintain a high level of integrity.
Oversee the Central Bank requirements and instructions.
Manage and control the full credit of Retail Banking .
Oversee the credit policies implementation, development and enhancement of credit process .
Manage a large team of credit officers .
Fully utilize available tools to enhance the portfolio quality .
Demonstrate a strong work ethic and maintain a high level of integrity.
Manage and control the full credit of Corporate Banking in the branch.
Oversee the credit policies implementation and enhancement of credit process .
Manage a large portfolio of Corporate, Commercial and SME clients.
Fully utilize available tools to enhance the portfolio quality .
Perform credit evaluation and risk assessment on credit proposals, periodic reviews, and requests etc.
Demonstrate a strong work ethic and maintain a high level of integrity.
Interact with customers to provide and process information in response to inquiries, concerns and requests about products and services in the bank such as:
Perform financial service transactions.
Custodian of ATM operation / EDM.
Purchase and sale of Traveler’s Cheques and foreign currency.
Issue of Demand Drafts and Cashiers Cheques.
Opening and Closing of Accounts.
It is a certification offered jointly by the Hong Kong Institute of Bankers & Emirates Institute for Banking and Financial Studies . I satisfied the attendance requirements and assessment criteria from May 8 to July 9, 2013.
The Islamic Finance Qualification (IFQ) covers Islamic Finance from both a Technical and Shariah perspective, providing the first international benchmark in the area of Islamic Finance and I passed the exam from the first time.
I went through Thesis program and it was talking about the effect of Non-Financial Information and it's impact on Credit Decision Makers in Jordanian Commercial Banks.
I was one of honors list in Accounting.
Tawjihi