Senior Manager
United Arab Bank
Total years of experience :20 years, 11 Months
United Arab Bank PJSC, Head office - UAE / Sharjah 06/2015 - Present (Senior Manager - Corporate Credit Risk) • Review of Credit Files: Managing part of Abu Dhabi & Sharjah & SCU (strategic client’s unit) clients credit portfolio, and reporting direct to VP, Head of Credit. • Applied effective assessment and valuation for corporate and project finance deals. • Financial analysis: Covering performance, profitability, liquidity, gearing, reliance on external funding, ageing of debtors, profit retention, balance sheet analysis, etc. • Liaise with RM’s to get additional information / clarifications on the credit files presented. • Suggesting strength points to business unit to in case weaknesses are observed from business unit’s proposals. • Preparing and producing presentations i.e. CRAS (credit risk assessment summary) in relation to proposed facilities for General Management Credit Committee & Board Credit Committee within the set out deadlines. • Preparing and participation in the credit portfolio review.
Al MASRAF (previously Arab Bank for Investment & Foreign Trade), UAE / Abu Dhabi
02/2015 - 06/2015 (Credit Manager - Corporate Credit Risk)
Arab Bank plc, UAE / Dubai
12/2010 - 01/2015 (Credit Manager - Corporate Credit Risk)
Applied effective assessment and valuation for multinational renowned corporate and project finance deals, tasks included the following:
• Analyzing, reviewing and evaluating credit requests submitted by the CIB (Corporate & Institutional Banking) to ensure capturing adequate level of data for risk calculation
• Conducting sensitivity analysis and stress testing on the provided cash flow projections in order to ensure generating sufficient cash to settle the provided debt
• Managing Dubai large credit portfolio.
• Assessing lines of credit applications, analyzed financial statements, collected credit reports and made recommendations to credit committee.
• Investigating history of subject borrower, credit standing, and relationship with Arab Bank PLC (if any)
• Ensuring conditions of credit are met prior to authorizing funding while meeting service level commitments.
• Ensuring the integrity and quality of data and data analysis .
• Monitoring accounts activity to ensure bank's credit policy is being observed.
• Validating the risk rating and ensure appropriateness of pricing as compared to risk.
• Participating with the Risk Department to implement rating system for project finance deals and to validate the implemented corporate risk rating system.
• Generating executive summary reports for complex transactions.
• Preparing and producing presentations in relation to proposed facilities for Area Management credit committee within the set out deadlines.
• Recommending and obtaining approval / rejection for credit requests.
• Evaluating customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.
• Completing the loan applications, including credit analyses and summaries of loan requests, and submit to credit committees for approval.
• Comparing liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
• Familiarity with central bank roles and policies while approving facilities to customer.
Arab Bank plc, Head Office Amman - Jordan
05/2006 - 11/2010 (Credit Assistant Manager) Global Credit Group
• Reviewing and evaluating credit packages submitted by the Area’s Management.
• Analyze Clients’ financial statements, and financial projections through analyzing and verifying the underlying assumptions.
• Assessing and evaluating financial data and proposed facilities' structures.
• Ensuring that corporate credit requests are in line with set strategy, policies, and guidelines.
• Consulting with Business Units regarding customers to resolve complaints and verify financial and credit transactions.
• Analyzing financial data such as income growth, quality of management, and market share to determine expected profitability of loans.
• Suggesting strength points to business unit incase weaknesses are observed from business units proposals.
• Supporting team members in evaluating credit risk assessments of companies/individuals with full guidance/suggestions.
• Preparing and producing presentations in relation to proposed facilities for Joint Credit Committee (JCC) within the set out deadlines.
• Communicating JCC’s decisions to subject hubs, subsidiaries, and branches.
Arab Bank plc, Amman - Jordan
11/2004 - 05/2006 (Customer Service Office & Head Teller)
Major Contributions
• All cash transactions executions.
Standard Chartered Bank, Amman - Jordan 12/2003 - 09/2004 (Sales Office, Credit Cards & Loans dept.) Major Contributions • Providing professional and high quality service that meet customer requirements and exceed their expectations • Marketing bank products and services through direct and cross selling to achieve the yearly set targets • Developing the relationship with customers and ensuring that customer profiles are updated (through implementing the KYC principle)
Forex Capital, Amman - Jordan
06/2003 - 12/2003 (Dealer)
Major Contributions
• Executing customer’s orders in selling and buying currencies.
• Daily follow up for the customers outstanding.
• Updating clients with recent news about market and companies.
corporate credit review