Muath Al Jarbou

Oversee credit risk management functions and conduct thorough assessments/reviews to ensure robust analysis and approval of credit applications. Develop and implement credit policies and procedures, aligning with regulatory standards and internal risk frameworks. Collaborate with cross-functional teams to assess creditworthiness, mitigate risks, and enhance credit portfolio performance. Provide mentorship to senior credit reviewers/officers promoting a culture of continuous learning and professional development.
● Participated in senior-level meetings and high-profile committees, including the Investment Committee, Risk Management Committee, Board meetings, and Business Risk Policy Committee (BRPC).
● Led and managed the credit team country wide; recognized with two "Rowad - Living The Brand" awards for exceptional leadership.
● Expedited process execution, contributing to the bank's agility and responsiveness in the competitive financial market.
● Completed the prestigious London Business School Senior Leadership Program, enhancing strategic management capabilities.
● Led implementation of critical regulatory projects, including ESG initiatives and development of a central bank digital currency (CBDC).
● Engaged with key stakeholders, maintaining strong relationships and ensuring compliance with evolving financial regulations.

Executed comprehensive credit risk assessments on potential borrowers, ensuring alignment with company risk parameters. Devised and executed risk mitigation strategies to optimize credit portfolio and minimize losses. Managed and trained credit analysts to maintain high standards of credit evaluation. Monitored loan portfolios to identify and address early warning signs of credit risk.
● Streamlined departmental procedures, contributing to the growth of the business.
● Identified and resolved complex problems, improving overall credit risk management.
● Led weekly credit committee meetings to discuss and approve credit propositions, ensuring informed decision-making.
● Enhanced credit process efficiency and reduced decision turnaround time through effective collaboration with internal teams.

Managed key corporate account portfolios, ensuring customized insurance solutions and superior client service. Directed collections and spearheaded team management, including recruitment, training, and cross-selling initiatives. Negotiated terms and conditions with clients, securing successful business relationships. Coordinated with internal departments to craft and present tailored proposals that addressed client-specific requirements.
● Enhanced client satisfaction/retention by delivering personalized insurance solutions and maintaining strong client relationships.
● Streamlined team operations by leading recruitment and training processes, fostering a skilled and efficient workforce.
● Boosted revenue through effective cross-selling strategies and direct client interactions.
● Facilitated seamless collaboration across departments, developing client-centric proposals and agreements.

Completed Samba’s Professional Program (SPP) of 9 months which concentrated on many banking aspects such as finance, accounting, credit, operation, compliance, and treasury besides rotation.
Afterword’s, I joined Corporate Banking Group (CBG) where I started managing corporate accounts and portfolio relationship. Also, participated in coordinating, researching, projecting, and analyzing reports to gain business understanding of client’s objectives and requirements.
Through time, assigned portfolio containing local and international clients grew by utilizing different exposure of trading facilities. Client base contained diversified categories of medical, contracting, telecommunication, retail, wholesale, and electronics. I managed a portfolio of more than SR 1.3 Billion throughout different accounts and clients.