Credit Risk Manager
Al Ahli Bank of Kuwait
مجموع سنوات الخبرة :13 years, 2 أشهر
• Analyzing Credit Proposals/Appraisals and Financial Statements of clients for building a proper Credit Risk Review.
• Responsible for assigning credit ratings to clients based on performance, as well as other aspects in accordance to the bank rating scale.
• Responsible for conducting the quarterly Asset Portfolio Report, Credit Concentration report, bank biggest exposures, and provisions analysis.
• Responsible for conducting the Risk committee report where we determine the banks risk appetite/tolerance and both credit and investment capacity/ability in accordance to Basel guidelines.
• Good understanding and occasionally assisted the conducting and calculation of certain aspects of Quantitative studies/Regulatory reporting such as capital adequacy report, disclosures, stress testing, asset allocation, and some other Central Bank requirements
• Assessment and analysis of investment proposals in private equity according to the bank rating standards.
• Monitor and ensure clients are appropriately categorized under IFRS9 Provisioning stages.
• Analyzing Credit Proposals and Financial Statements of clients for building a proper Credit Risk Review.
• Responsible for assigning credit ratings to clients based on performance, as well as other aspects in accordance to the bank rating scale.
• Responsible for conducting the quarterly Credit Concentration report, bank biggest exposures, and provisions analysis.
• Good understanding and occasionally assisted the conducting and calculation of certain aspects of enterprise risk management such as capital adequacy ratio, disclosures, stress testing, asset allocation, and some other Central Bank requirements.
• Assessment and analysis of investment proposals in private equity according to the bank standards.
• Collecting, managing, and analyzing Operational Risk Reports(Self Assessment) of the concerned departments in order to mitigate any risks that may occur.
• Monitoring Compliance Reports sent to CBK to meet the prior rules and regulations.
• Construct Feasibility Studies and forecast financial positions for clients.
• Follow-up clients project progress, repayments, collecting and analyzing their financial data.
• Responsible for coordination between the credit committee and the client in terms of project proposals, rescheduling, postponing installments etc.
• Responsible for disbursing loan tranches based on the clients progress in the project.