Credit Supervisor
Sulfah Financing Company
Total years of experience :16 years, 6 Months
Credit appraisals of loan applicants within defined policy guidelines
• Assessing Credit Worthiness of the potential client by credit history on the basis
of documents submitted, market information reference checks etc
• Ensuring verification processes are followed in a systematic and timely manner
• Coordinating with the verification agencies to aid in decision making
• Timely Processing of the proposals to ensures the faster action.
• Ensuring adherence to the internal credit policy and SAMA guidelines
• Participating in internal projects that improve credit process efficiency and
effectiveness to assist in achieving key strategic objective
• Appointed as acting credit manager with full approval limit as per the authority matrix of the company's policy.
• Reporting to the CRO on strategic issues.
• Key member of local credit committee for recommending credit application received across the Kingdom.
• Present credit proposals to Local / High Credit Committee for approvals.
• ERP i.e. OMNI development initiatives
• Analyze Credit data and financial statements to determine the degree of risk involved; and recommending credit facilities
• Evaluate customer records and recommend payment plans
• Generate financial ratios; using ERP’s to evaluate customers' financial status
• Ensuring Corporate Credit Compliance with SAMA Laws and Regulations;
• Reporting directly to the CRO.
• Provide Independent review and approval for credits.
• Minimize unexpected loss in the assigned portfolio.
• Assist in Identification, Classification and management of problems credits.
• Ensure that risk management policies, standards, and practices are adhered to by the business.
• Participate early in the formulation of business lines strategies, setting risk appetite.
• Handling the SME Segment (Small and Medium Enterprises) and large corporate accounts with approval limit.
• Evaluate and provide analysis, conclusion, and recommendations to determine credit line amounts; communicating information to customers and team members.
• Determine the degree of Credit Risk and provide mitigations.
● Credit & Financial Analyst: able to analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending facilities like Leasing & Installment (Islamic Financing).
● Prepare reports that include the degree of risk involved in extending credit or lending facilities.
● Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.
● Confer with credit association and other business representatives to exchange credit information.
● Complete facility applications, including credit analysis and summaries of facilities requests, and submit to local & high committees for approval.
● Generate financial ratios; using ERP’s to evaluate customers' financial status, credit &financial analysis mainly of Corporate & SME’s.
● Ensuring the proposals should comply with internal policy & SAMA regulations.
● PROVEN TEAM PLAYER AND INFLUENTIAL COMMUNICATOR: adept at developing and coaching teams to excel; improve overall cohesiveness and productivity and effectively collaborate with all levels of an organization.
● Apply principles of accounting to analyze financial information and prepare financial reports. We were involved in the responsibility of Al-Riyadh branches only.
● Prepared of journal entries, General Ledger, and related necessary analysis of information.
● Prepared and developed financial reports.
● Designed an excel sheet for follow-up inventory movement.
● Contributed in the preparation of the monthly trial balance.
● Analyzed financial information and prepare financial reports to determine or maintain the record of assets, liabilities, profit and loss, tax liability, or other financial activities within an organization.
● Prepared, examined, and analyzed accounting records, financial statements, and other financial reports which confirmed the Accuracy, completeness, and conformance to reporting and procedural standards.
● Analyzed business operations, trends, costs, revenues, financial commitments, and obligations, to project future revenues and Expenses or to provide advice.
● Contributed in periodic inventory calculated.
● Develop, maintain, and analyze budgets, preparing periodic reports that compare budgeted costs to actual costs.
• Prepared, audited, and analyzed the financial statements of companies and enterprises, recommended them to updated strategic financial decisions, and ensuring that companies and enterprises are followed the requirements.
• Designed, revised, and implemented accounting systems and procedures in accordance with generally accepted accounting principles and theories.
• Conducted surveys to prepare recommendations for improvements, controls, new methods, and other changes to improve the efficiency of accounting systems.
Bachelor of Commerce with a major degree in accounting.