Team Leader and Approver - Risk Management Group
Abu Dhabi Islamic Bank
Total years of experience :18 years, 11 Months
Approving the credit proposals up to the designated limit (up to 0.5M) or recommending the proposals to the upper approving limit.
Approves / recommends breach memos generated by early warning system.
Developed tools to ensure bank’s overall credit risk exposure is maintained at prudent levels and consistent with the available Cap limit and generating necessary MIS and Reports
Contribute to achieving the department objectives, goals & policies.
Contribute to the management/ performance /capability of the credit team including selection, performance, appraisal and professional development.
Ensure team member practice and the review of the credit applications is in-consistent with credit programs, TM, RACs, bank’s policy, central bank laws & regulations.
Supervising, guiding and coordinating officer’s efforts and actions to ensure that all customer applications are screened in accordance with the turnaround time.
Monitoring BBD credit portfolio in the related area/tier and timely reports to Credit Review Manager for any discrepancies / negative indicators.
Conduct site visits (whenever is needed) to the customers to evaluate the quality of the management / operations & credit worthiness.
Review, maintain and effectively communicate risk control parameters and control standards in order to maintain BBD risk profile in line with the Group's risk appetite
Provide guidance to Relationship Manager with regard to appropriateness and suitability assessment of financing products and structuring of the proposed facilities
Organize, prioritize and mange the work process flow in order to meet the deadline
Supervising, guiding and coordinating officer’s efforts and actions to assure that all customer applications are screened in accordance with the turnaround time and in consistent with bank’s policy, central bank laws, and regulations
Assist in other Risk Management projects as needed including Zawya project and various projects and committees
Being up-to-date with Bank’s credit policy & procedures, central bank guidelines and other related matters and communicate the same to the credit officers
Review, maintain and effectively communicate risk control parameters and control standards in order to maintain BBD risk profile in line with the Group's risk appetite
Execute periodic post-fact credit risk reviews to identify and monitor troublesome accounts through early warning signals and alert management. Interact with relationship areas to instigate remedial actions
Recognizes industry developments, threats, changes in technology and market risk issues and makes appropriate recommendations to Credit committee
Elected as board member for IMA Dubai Chapter as a Treasurer
Managing the Credit Risk for Corporate, Small and Medium Enterprises and Wealth Management division. Report directly to Head of SME Credit Risk
Providing qualitative assessment of all credit proposals upto AED 50 Million and preparing the decision-oriented Risk Recommendation Summaries ensured that all critical aspects of credit are addressed
Proactively identify problem assets and escalating irregularities and early warning signals to high authorities
Assessing the company's financial performance, cash flow, industry, competitive analysis and projections.
Coordinating with the internal and external auditors and respond to their inquires / findings
Preparing MIS reports for various stakeholders within agreed time
Acting as a remedial manager in the sense of following up with delinquent customers in order to settle their overdues, discuss with business an exit plan/ strategy for delinquent customer, coordinate with collection and legal department and preparing overdue / provision reports
Working on the policy library for SME Credit Risk
Active member in the UAT team that assess and test the new credit risk rating system
Analyzing the credit portfolio of the bank and assist in developing and specifying the targeted sectors,
Enhancing the efficiency of the operation and profitability of credit and protect bank interest.
Continuous meetings with Business Team to discuss the required changes in the CA, pricing method and product structure
Adhering with Credit Administration department to make sure that the credit terms and conditions and documentation are completed.
Proactive assessment of all cases is a continuation process along with the annual renewal proposals
Working toward specifying the general problem facing credit center with the different departments of the Bank in order to lease the work process flow
Joint signature up to AED 2 Million under Product Based programme
Providing back up service for Margin Trade Operations Unit while ensuring compliance to laid down policies and procedures
Monitoring of credit limit, interest rates, and review dates etc.
Ensuring that all the approvals were in compliance with the bank policy and Central bank
Analyzing credit applications for Corporate and WM clients with detail study of their financial statements and credit worthiness
Preparing of daily and other periodic reports for different departments and preparing compliance reports to the Board Audit Sub-Committee
Providing specialized services to VIP, International banks and Financial institution
Following up with bank branches for overdrawn accounts, excess limits, expired limits, and the overdue acceptance on a periodic basis and also responding to branch inquiries regarding status of clients accounts
Joint signature up to AED 10 Million
Preparing proposals for corporate clients based on proper analysis of their financial statements and to address weakness and strength points of the client
Meeting prospective clients and discussing with their requirement of banking facilities taking into consideration current trends in the market and other contributing factors
Ensuring proper documentation has been obtained from the clients is in compliance with bank policy
Checking the Facility Offer Letter and making sure that it is in accordance to credit approval
Monitoring and following up on over drawn accounts and held the authority to overdraw the company current account by 50, 000 AED based on accountable reasons
Ensuring that head office approvals and instructions are met and it is in compliance with central bank regulations
Preparing the Central Bank reports such as Risk Bureau Report, Major Borrowers, consolidated OLEM report and the Twelve Large exposure report
Working on the Credit Risk Rating Program and providing monthly classified update report on watch listed accounts
Preparing the Provision report and Interest Suspense memo and lease with Finance Department
Liaising with different department such as credit administration, legal, remedial team and operation
Maintaining organized filing process for all credit approvals, central bank circulars and Credit Committee Minutes
studying MBA in UD. expected graduation is Jan 2015
American Institute of Certified Public Accountants (AICPA) Certified Public Accountant (CPA) – completed in May 2013
Institute of Management Accountants (IMA) – United States Certified Management Accountant (CMA) – Completed in October, 2010
I graduated with a GPA of 3.15 out of 4. I was granted scholarship during my university study since i met the GPA requirement. I did an internships with commercial bank international for two months.
Graduated with 97.2% Average