Group Chief Credit Risk Officer
Redco Construction Al Man
Total years of experience :19 years, 4 Months
Identification and evaluation of potential inherent risk(s) in business propositions of entities.
* Optimizing the treasury and lending activities to control and optimize the financial matters of
Corporates.
* Establish robust and effective control mechanism on disposal of financial resources to timely
manage the payments’ log and working capital requirement of the business propositions.
* Promote maneuvering and flexible strategy management to tackle possible rising financial and
credit risks in continuing financial matters of the organization.
* Conceive and convey Credit Risk Advice to the top management to promote Corporate
Governance in financial and credit matters of the corporates.
* Write policy and procedures to promote risk awareness on short, medium and long term
corporate lending to promote overall corporate culture of the organization.
* Establishing control functionality in centralized and de-centralized operations.
* Well versant with directives and provisions of Qatar Central Bank Regulations on lending
book.
- Evaluation and processing of Credit/Transaction Applications of Commercial & Corporate, SME and Retail Enterprises including spreading, analysis and interpretation of financial and business statements where necessary, identify, measure and mitigate the inherent risk(s) therein.
- Provide assistance in Credit Decision Making Process to Head of Risk Management in restructuring, establishing and maneuvering short, medium and long terms big ticket credit propositions.
- Identify and explore key risk factors in specific lending propositions such as to high net worth individuals and big ticket corporate clients of all commercial economic sectors and ensuring compliance with applicable credit policies and regulatory norms of Supervisor.
- Review and amend Internal Ratings of Corporate Clients by taking into account Industry research, Business plans, Annual budgets, Financial and Market risk attributes and cash flow projections in line with Basel guidelines of Capital Adequacy.
- Effectively monitoring domestic and international portfolios of new and existing clients and periodically conduct credit reviews to make timely reports to top management to mitigate adverse risks.
- Contributed significantly in establishing and implementation of short and long term lending policies and procedures for Corporate, Commercial, Islamic and Retail products.
- Effectively liaised with External Auditors for minimizing and settling the provisioning issues of Corporate Advances and with Internal Auditors for resolving the Audit Queries raised by them on commercial and corporate portfolios.
- Effectively provided Data Analysis and portfolio stratification across Credit Risk Portfolio in support of Capital Modelling and Credit Risk reporting.
- Actively involved in compilation of internal policies and procedures to improve turnaround time and work flows for Corporate, Commercial and Islamic products.
- Worked in close co-ordination with Collection & Recovery Department to optimize slow moving credit advances to revert them to normal credit cycle in order to reduce the baggage of non-performing advances of Corporate and Commercial portfolios.
- Worked in collaboration with Organization & Method Department (O&M) and Business Processing Units (BPRs) to improve day to day functionality of Credit Risk Management to achieve and secure potential credit share in existing market.
- Performed variety of credit functions including providing extension of credit, collection of receivables, reviewing of credit limits and monitoring of slow moving and non-performing advances.
- Maintained effective and timely follow ups with respective Credit Relationship Officers for structuring, settlements and adjustment of schedule short and medium term advances.
- Instrumental in making presentations of various Corporate, Commercial and Islamic products in association with Senior Risk and Account Relationship Officers to maintain and promote rapport building between Risk and Business Groups.
- Led, guided and mentored a team of 07 Credit Analysts for timely handling the renewals of funded and non-funded domestic and international exposure of Commercial and Corporate Advances of all economic sectors.
- Proactively contributed in writing questionnaires for Training & Recruiting Centre for recruitment of new personnel and training of current staffs in Credit & Risk Departments.
- Reviewed and monitored the Corporate Advances of international branches of Lahore, Karachi and New York.
- Wrote monthly returns on commercial advances of local and international branches.
- Played a pivotal role in completing pre-sanction and post sanction formalities and escalating the loan applications to the Credit Committee for approval and disbursement of loan transactions.
courses: - VOCATIONAL QUALIFICATION/SKILLS * International Certification in Risk Management, IRM, U.K. (Going on). * Certified Lender Business Banker (CLBB) – Arab Academy for Banking and Financial Services in Yr 2007. (Achieved affiliation of the Organization) * Dip. FSM – IFS, Chartered Institute of Bankers, U.K. in Yr 2005. * Microsoft Office 2000 Specialist from NIIT in Yr 2005. * ISO 9001 – 2000 Foundation Training Courses from SGS in Yr 2007. * Business Objects (User + Advance) for financial services reporting in Yr 2004. 6of 6