Mohammad Talhouk

Heading a portfolio of highly strategic and sensitive corporations, preparing/reviewing credit applications on different levels of lending with customized financial structures, marginal lending, equity financing, leverage financing, etc. Recommending approvals for credit execution committee and board members committee. A diversified exposure over different industries and jurisdictions is a main characteristic of the entities in the portfolio. Setting covenants and conditions that are reviewed on quarterly and semi-annual bases with checks on the portfolio risk levels and measuring it with bank's risk appetite. A 360 degree credit risk assessment and sensitivity analysis done on case by case at the level of individual corporations to address any concern or risk in a proactive mechanism

Responsible for approving credit limits up to $50k funded and $100k unfunded per account, for both retail and corporate clients.
•Ensure timely review and submission of Credit Applications by all team members while conducting necessary client visits and due diligence.
•Coordinates with Branch managers well in advance of due dates of annual reviews to obtain necessary information from the borrower to facilitate a comprehensive review of the credit facilities.
•Ensure credit processing & approval turnaround times as per agreed timelines.
●Monitor early warning indicators to identify potential problematic accounts and liaise with branch on the best way forward.
●A member of the retail and corporate credit committee, headed by the CEO, with voting rights on files within my region.
●Leading 6 branches with a group of 45 employees, evaluating their performance, and advising on their career paths, while focusing on achieving their set scorecards.
●Spreading the product mix of the bank in the region with achievements on growth exceeding 20% year on year on liabilities (Fixed deposits, CDs, current accounts, Domiciliation ext..) and 15% on assets (Term loans, revolving credits, A/R factoring, Retail loans, Overdraft, structured financing…)
•Setting the strategic plan of the region and working with branch managers on achieving it.
•Balancing costs and profits of branches and setting plans to focus on weaknesses hindering profitability (high interest rates, decrease in credit volumes, reversals of commission and fees…).

Head of a branch of 10 employees.
●Responsible for the branch growth on different levels and products (deposits, retail loans, credit cards and corporate loans)
●Building relationships and spreading AM Bank's franchise across the covered region.
●Driving the retail and corporate business in the area and creating new business opportunities for the bank to increase its market share.
●Achieving growth on banks liabilities (Fixed deposits, CDs, current accounts, Domiciliation etc..) exceeding 30% year on year and on asset side (Term loans, revolving credits, unfunded limits, A/R factoring, Retail loans etc..) exceeding 20%.
●Top performer branch manager 3 years in a row 2015, 2016, and 2017 with branch overall growth rate exceeding 20% year on year.
●Customizing our financial products to clients' needs and advising on the best financial solution depending on the industry and scope of work.
●Introducing the digital platforms to the area and providing workshops to businesses.
●Maintaining relationships with clients, bringing in new business and following up on new prospects.
●Operating workshops in industrial areas to educate SMEs/Corporates on how to deal with banks, banking products and services.

Managing a portfolio of Large Corporate Clients with revenues above USD 50 Million.
•Handling clients' relations providing funded facilities (O/D and Term loans), project financing (Structure Trade Finance and Structure Warehousing), and unfunded facilities (LC and LGs).
•Preparing credit applications for credit approval and ensuring fast turnaround times in accordance with bank's policies and procedures.
•Due diligence on the business, shareholders, and related parties, with market check among different suppliers & customers to ensure the business operation is healthy and deliverables are adhered.
•Structuring deals and facilities to meet different financial needs of the institution with ring fencing arrangements to ensure that the bank's position is secured, and risk is minimized.
•Account planning and strategy, highlighting projected revenues, opportunities to be tackled, and cross selling schemes with our various product partners.
•Initiating and building relations with government/quasi-government entities and private entities.
•Recommending credit packages to credit committee based on cashflow, financials, ratios, RWA, and future forecasts.
•Cross-selling with different product partners and recommending global market products suiting underlying transactions.
•Initiated first Escrow account in SCB Abu Dhabi for a top client engaged in an equity financing deal.
•Proven portfolio growth record exceeding an average increase of 50% in assets.
•Running a diversified portfolio of AED 1.5 billion exposure, in different industries including:
▪Oil and Gas; Governmental and Quasi-governmental entities; Car industry; Food and Beverages; Contracting; Manufacturing; Telecommunication, real estate.

Studying and analyzing financial statements for corporate clients.
•Preparing financial reports and recommendations for the credit committee.
•Operating different activities related to LCs and LGs.
•Managing corporate clients' portfolio of USD 300M in direct & indirect facilities in different sectors: Residential Real Estate, Car industry, Telecommunication and Network, General trade (Export & Import), General contracting, piling and construction.

Assisting in managing a portfolio of corporate clients and reporting on portfolio risk.
●Conducting corporate clients' financial analysis and recommending credit packages based on needs and financial strength.
●Following up with internal stakeholders on documentation and processing of credit limits.
●Reporting quarterly financial performance and portfolio risk.
●Following on compliance of the files within policies and procedures.
●Attended training sessions on five Cs.