Mohammad Dahadha

• Daily monitoring of all financial accounts across all companies.
• monitoring and managing cash in and cash out in all companies
• Monthly closing of financials and reconciliation of related accounts.
• Create, manage and the company assets and preparing the depreciation entries.
• Closing the GIT (Goods in Transit) accounts.
• Settling vehicle and spare parts expenses, matching and verifying them against
the general ledger and expense balances.
• Preparing currency differences and fractional transactions.
• Monitoring of affiliated company accounts and reconciling them.
• Monitoring of tax settlements (income and value added tax), invoices bank,
getting updated deduct from source and tax declarations, and any other
instructions related to them.
• Preparing, paying, and archiving employee payroll income tax deduction
statements.
• Monitoring of company facilities, whether loans, credits, or SBLs, providing banks
with requirements, reviewing contracts before signing, and monitoring their
implementation.
• Supervising the banks accountant employees and follow up with them to make
banks reconciliations, accounts coverage, follow-up issued and postdated checks,
and cash flows.
• Following up and manage rent contracts and prepare payments for the landlords.
• Opening and preparing prepaid expense accounts and processing the related
monthly entries.
• Preparing all financial statements and following up with external auditors to
finalize and submit them for tax purposes.
• Monitoring inventory balances, annual inventory counts.
• Providing assistance to all affiliated companies outside of my direct duties,
particularly Ritz Leasing, regarding any financial matters related to clients, leases,
or facilities and AML/CFT.
• Any other follow-ups related to the finance department in general with
colleagues and resolving any outstanding issues.

• internal auditor and the AML Liaison officer who connected directly with the
financial follow-up unit.
• monitor the returned checks value and the collection time.
• review the defaults risk by evaluating the collection department follow-ups.
• monitor the sales scales and the targets achievements to assure that the
company is walking toward achieving the yearly goals.
• analyze leasing portfolio and classify it in different ways (geographical, kinds of
customers, suppliers, cars type, amortization values, financing, leasing types) and
the gain or loss from leasing contracts, cars available for sale and the time need
to sell them, their break-even points, the pricing policies, etc.….
• check the customers documents and assure that its reflecting the right things
about his job, also check the PMA credit report which reflect the customer loans
and his returned checks, if he pays his obligations and dues or if he has any legal
issues now or in the past.
• search about the customer in the sanctions lists, UN, OFAC, Interpol and the
national lists, any other FATF lists, if the customer already listed, we decline the
whole application and send Suspicious Transaction Report (STR).
• updating all customers data yearly, so always knowing our customers and their
cash cycle and classify them in our system.
• evaluate the portfolio by using RISK BASED APPROCH in a very high-level
standards and try to minimize the risk to the lowest.
• classifying the customers depending on the cash turnover and their jobs and if
they are works in risky non-financial jobs (Lawer, gems seller, Gaz stations, Real
state dealers, auditors, political people, etc.…).
• Planning with the GM to get new finance ways through banks which have an
accepted conditions and the best finance costs.
• Build and create new leasing products that meets the clients needs and can get
the best income results.
• Help making the marketing plans for new products and monitor it with reports
and follow up with sales employees.
• Reviewing the Leasing application and make a credit decision which sent to the
GM of the company.
• Follow up with the clients to get their checks and leasing fees and assure that all
the leasing documents has been prepared and signed in the right way in order to
close the deal with customer.
• Follow up the operation department to assure that the operation process
accomplished (the Vehicle licensed, insurance and Vehicle lien).
• Sending the finance applications to banks and follow up with them daily till they
finance it and grand us loans.
• Monitor the finance limits balances, loan payments and the new contracts daily
and prepare reports to the GM.
• Make a decision of choosing which bank we will finance leasing contracts in to
get the best deal that maximize our revenues.
• Consolidate banks accounts daily and monitor the returned checks and contact
clients for collection.
• Prepare PMA leasing report monthly.

A member of the Jordan Ahli Bank retail credit committee.
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Reviewing the Retail credit applications that sent from all the bank’s branches.
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Present the applications that I reviewed to the retail manager in order to take the right credit decision.
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PR, Marketing, selling, managing bank campaigns, follow up the marketing plans and targets and developing old retail products and create new products.
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Prepare monthly and quarterly reports about marketing channels, retail assets and liabilities, marketing budget and targets achievements.

Reviewing the Corporate, Retail and SME’s credit applications that sent from all the bank’s branches.
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Present the applications that I reviewed to the Regional Credit Committee in order to take the right credit decision.
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Prepare and follow up the corporate credit applications that send to the General management in Jordan.
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Marketing, selling and developing the bank’s Credit products to be more flexible and competitive in the Palestinian market.
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Prepare monthly and quarterly credit and Provision reports to the PMA, Jordanian Central Bank, External auditors and General management in Jordan.

Reviewing and prepare retail, corporate and SME’s credit applications to present it to the Credit committee.
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Communicate with Quds bank partners, like CHF - LGF (loan guarantee facilities), the Italian Loan and the French Grant in order to guarantee the SME’s loans.
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A member of the business development committee to enhancing Quds bank credit products.
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Preparing credit loans offers for companies’ employees.