Credit Operation Manager
UNRWA
Total years of experience :26 years, 0 Months
Responsible for managing the credit function efficiently and effectively in order to ensure profitability, maintain a quality loan book and ensure that the MFI is not exposed to credit risk.
Manages the day-to-day branch operations, provides guidance, encourages team work, facilitates related professional work processes in order to achieve high performance standards
Studying all the financial activities in the company and analyze its impact on company performance.
- Responsible on logistic operation of the company (sea, land) shipping and managing the supply chain.
- Coordinator with banks for L/C documentations, facilities and any finance required.
- Prepare monthly, quarterly, annual financial report, ensure compliance with the company financial reporting and monitor expenditure budget estimates for the firm.
- Prepare budget (monthly, quarterly and annual budget for the company and manage the cost of production.
- Analyze financial information to recommend or develop efficient use of resources and procedures, provide strategic recommendation and maintain solutions to business and financial problems
- Analyze complex financial projections on existing customers to assess credit worthiness of assigned accounts to assist in evaluating credit risk and future business potential.
- Request and review all appropriate sources of credit and financial information; contact customers to review credit performance with bank and other financial and/or retail organizations..
- Counsel customers on resolving unfavorable credit performance; may make recommendations/complete internal loan consolidations to refinance debt structure. Summarize findings indicating customer credit worthiness and take appropriate action.
- Appraise and analyzes the customer outstanding concerning their financial standing, creditability & ability to pay back
- Risk evaluation which involves comparing estimated risks with risk criteria established by the organization such as costs, legal requirements and environmental factors.
- Identifying new business opportunities; carrying out financial modeling, then developing and presenting appropriate financial solutions to clients.
- Analyzing "FEASIBILITY Study" and prepare different scenarios
- Maintaining clients' credit includes investigating and analyzing risks, approving credit for potential clients and continuing lines of credit for current clients.
- Planning, designing and implementing an overall risk management process for the customers by developing operating models;
- Monitoring and reviewing processes to ensure compliance arrangements are in place;
- Strengthens and assures the relation between the bank and its prime customer
- Follow up the default loans until the loan is repaid
- Analyzes their credit worthiness, explains to customers the kinds of available loans or credit, gathers any information required to determine whether a loan can be approved
- Drafting, preparing, and updating letters of credit..
- Maintaining letter of credit files and status reports.
- Preparation of export documentations for negotiation ensuring all the documents sent are in compliance with L/C requirements
- - Co-ordinate with local and foreign banks to monitor incoming L/Cs
Master Degree in Financial Management
intensive training 273 hours (6 months)
1997 B.A in Banking & Finance from Yarmouk University. (Very good average)
