Country General Manager
Samba Financial Group
Total des années d'expérience :23 years, 0 Mois
Manage the entire franchise in Qatar and responsible for the compliance, finance, HR and Corporate Banking and the branch profitability.
Exposure : USD 5.81 Billion
56% Oil & Gas, 9 % Telcom, 7% Transp, 3% FI, 18% Trading, 7% Manuf.
* Report to CEO Qatar and represent the bank in external business associations
* Member of Business Credit Committee and ALCO committee with authorized approval limit.
* Manage, plan and implement strategy for corporate banking Group in Qatar.
* Establish and refer quality portfolio to the newly opened franchise operating under QFC
including Public Sector, Large Corporate and local conglomerate entities.
* Lead team and coordinate with HR for interviews/job descriptions to recruit potential candidates
for the branch in different areas (Analysts/SRMs/ Credit Admin / Operations/Risk Officers)
* Ensure excellent relationship management, close market monitor, build strong sensible cases
with risk management / senior credit committees to seek approvals for credit proposals.
* Perform annual business target market, plans and budgets presentation to reach agreed targets
* Direct communication and awarness with risk management, financial reporting and compliance
* Recommend Credit Proposals write-up and supervise the submission prior to due dates.
* Assess Obligor Risk Rating (ORR) quantitative & qualitative parameters for credit scoring.
* Developing the CBG SLAs as a greenfield project from scratch in critical startup stage.
* Cross sells and coordinates with teams in Corporate Finance, Investment banking, Treasury, Financial Institutions, local banks and offshore banks under QFC for syndication deals.
* Ensure regular contact with regulators, internal/external legal and consultancy offices
* Leading discussion with Audit & Risk Review team scoring Satisfactory in 2013 for 3y business
* Self-motivated team leader, able to work under pressure, with satisfactory communication skills.
Exposure : USD 440 million
Industry Sectors: 50% Trading, 35% Contracting/Services, 15 % Manufacturing
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* Report to Corporate Banking Head.
* Expand/start new and existing corporate borrowing quality relationships/portfolio in Qatar
* Ensure excellent relationship management and accurate decision making for accounts & identify
problem accounts /potential/target business, monitor business pipelines & factories visits.
* Credit Reviews/Proposals writing including financial, operational & structural risk analysis.
* Manage/ monitor limits utilization, required limits sub-allocations, general & special
business, contracts finance, one-off transactions, receivables aging analysis/projected cash flow
* Ensure operational controls, quality credit assessments/credit reviews are completed on time
* Identify, appraise, recommend low risk lending proposals via frequent communication with
cautious use of lending limits / promotes all bank services to medium/large size companies, in
order to aggressively increase profitable market share and maximize Gross Revenue.
* Prepare presentations to seek credit proposals approval from senior credit committees.
* Lead 2 Credit Analysts/1 Officer, develop communication, analytical skills for subordinated team
Exposure : USD 314 million
Industry Sector: 55% Trading, 25 % Manufacturing, 15% Contracting, 5% Investment
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* Report to Corporate Banking Head
* Ensure excellent relationship management for Corporate Borrowing accounts & identify
potential / target business, monitor business pipelines & accurate decision making
* Credit Reviews/Proposals writing including financial, operational & structural risk analysis.
* Manage and monitor limits utilization, required limits sub-allocations, conventional & Islamic banking products such as Morabaha / Tawarrok (funded and non-funded facilities).
* Manage & Monitor contract finance (Cash flow projections, facility structure(Amounts/lines & products), trade cycle, feasibility studies, sensitivity analysis scenarios, SWOT Matrix, payment
due dates, site visits, related security and documentation)
* Identify, appraise, approves/recommend low risk lending proposals (with an emphasis on Trade Services - in liaison with the relevant departments) to arge size/ Saudi Stock listed Companies, in order to aggressively increase profitable market share and maximize Gross Revenue with a monthly/quarterly close focus on accounts actual profitablity vs budget.
* Prepare presentations to seek credit proposals approval from senior and executive committees.
* Build and maintain a rapport with existing and potential customers focusing on cross selling.
* Leading & Training (3) Credit Analysts (2 platform assistants) & (1) Junior RM and developing communication, training & analytical skills for the subordinated team.
Exposure : USD 48 million
Industry Sectors: 70% Trading, 25 % Manufacturing, 5% Contracting
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* Report to Unit Head
* SME Credit Reviews/Proposals writing including financial spreading and warehouses inspection with all related reports / statistics preparation / cross-sell & referrals.
* Main player to establish the entire SME “Business Banking Unit” in HSBC-Doha.
* Control portfolio's risk management via consistent credit quality and risk assessment by evaluating and making accurate and well considered recommendations on credit proposals and by regular monitoring of customer activity and performance, scrutinizing exception reports.
* Leading & Training Corporate team of (3) Credit Analysts & (2) junior Relationship Officers.
* CARM instructor & local sessions' lecturer (HSBC Bank’s Credit Application Software)
* Execute AOP (Action Operation Plan) forecast for BBU-Business Banking Unit department.
* Undertaking the spreading and the analysis of financial statements. (Balance Sheet, P&L, Cash Flows, Ratios, Feasibility studies analysis and Projections)
* Supervise a team of (3) Credit Analysts & Instruct Fin. spreading on "Moody Risk Advisor".
* Credit Reviews/Proposals writing & rectify exception reports, Excesses, Past Dues.
* Customers visits, their related call reports & follow up customers queries.
* Personal Development to be a reliable, team worker and able to work under pressure.
* Undertaking spreading of financial statements
* Highlight customers Excesses, Past Dues, queries' calls and emails .
* Cross selling bank products.
* Handle customers' queries, complaints and appreciation
* Help the public relations dept. to organize extrenal receptions and bank parties
* Customers's visits and call reports to market the second mutual fund .
* Dealing with clients on indoor prints & outdoor, selecting suitable locations for placing uniballs, changeable, stable & silk screens…) & their renting procedures, dealing with sponsors.
* Preparation of reception parties, customers care.
Issuing bank drafts, certified checks & following-up collection of bills and checks.
Receiving checks &bills, following-up transactions concerning collection dept., preparing financial positions to Loans Dept.
Islamic Banking Products & Documentation
SME banking & Basel II / Credit rating & scoring
Psychology of Influencing Skill & 1st Impression Management
Workshop for Money laundry Vs international terrorism (executive level session)
Shukran Award(1 st Quarter 2005)
(LCs)
Currency Option in dealing room topic (Spot,Forward Rate deals)
Qualification to meet any fire and/or emergency in bank building and leading staff and customers upon plans.
Course included: Credit facilities structure, financial ratios and analysis, financial, operational risk, account statisics.
Score: Two hundred & ten out of Three hundred or (547/677)
Techniques of closing deals regarding focusing on selling points, mainly 2 programs of Life Insurance & Personal Accidents policies.
American University in Cairo(AUC) program.
Procedures to ensure informatio secrecy.
Money Laudry Mechanism.
Introduction to Word and excel spreadsheet
Minor : Finance
French Private School:Primary, Preparatory & Secondary (1977 - 1992)
Diploma in Superior level of French language (written & spoken).