Senior relationship Debt Banking Restructuring
SAB
مجموع سنوات الخبرة :28 years, 0 أشهر
Handles all aspects of a portfolio of adversely rated credit relationships for the purpose of preserving loan principal, collecting interest, and preventing loans from being charged off. The incumbent facilitates and develops action plans for the restructure, litigation, recovery, or exit strategy for downgraded credits to minimize exposure, mitigate risks and maximize asset recovery. Providing an objective and independent assessment of classified exposures (including corporate loans, structured products and traded products and the like). Works to formulate strategies to maximize recoveries through restructuring, bankruptcy and/or sale criticized/classified exposures and portfolios. Provides proper and timely reporting to management according to bank policies and regulatory requirements.
Dealing with Middle market and High Net Worth Individuals borrowing customers. This includes the
following tasks:
Managing a team composed of Unit Managers, Relationships and administrators. Dealing with Medium
borrowing enterprises and High Net Worth Individuals, aiming to expand the portfolio through selling
products and services based on needs, while ensuring that credit quality is maintained. This includs the
following tasks:
-Identifies potential customers in the region, evaluate prospects, develop marketing, sales plans and
client calling program, while ensuring high levels of service quality and minimizing exposure to risk.
-Implements approved departmental policies and monitor their adherence.
-Implements day to day operations to ensure compliance with the established standards and
procedures.
-Developing sales plans in the region.
-Manages the team leaders in the region, ensuring acheivement of revenue, service and profitability
targets at the overall and individual level.
-Builds relationship with clients through visits to major existing and prospect customers.
-Manages and supports team leaders/RMs in actively acquiring new relationships.
-Develops a thorough understanding of customers organization, industry and global practices to
maintain proximity to the clients and meet their banking needs and expectations.
-Ensure clients acquisition and retention in the region with a view of providing complete set of solutions
and maximizing revenue from the clients.
-Provides guidance and support identifying revenue oppurtunities and actively sell products to
customers in order to support the sales targets.
- Drives product penetration and cross selling seeking structures finance oppurtunities.
-Provides guidance in developing account plans in a consistent and timely manner in order to swiftly
follow up on identified actions.
-Provides inputs and market demand insights to the teams for loans which are viable for customers.
-Reviews Credit files and approve them as per authority levels.
- Maintain a clean portfolio through monitoring timely annual reviews, excesses and pending cases.
-Ensure effective collaboration is in place with the Risk Management on an ongoing basis in order to
secure and enhance the quality of the credit portfolio.
-Organize and supervises the team activities to ensure that all work is carried out in an efficient
manner.
-Contributes to the identification of oppurtunities for continious improvement of systems, processes,
cost reduction and productivity improvement.
-Prepares Departmental reports in a timely manner to meet reqirements, policies and standards.
-Represents the function and actively contributes in various committes/meetings to ensure relevant
matters are dealt in atimely and efficient manner.
Omar Abdulaziz Abbas
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-Ensure that all staff have clear objectives, regular performance, formal annual appraisals and
individual development plans.
-Ensures and facilitates the employment, staff training and development.
-Complies with all relevant safety, quality and environmental management policies, procedures and
controls to ensure a healthy and safe work environment.
-Performs other related duties or assignments as directed.
Dealing with Middle market and High Net Worth Individuals borrowing customers. This includes the
following tasks:
-Handling my own portfolio in addition to managing a team of Relationship Officers.
- Deputizing the Department Manager in all tasks and given full authority upon his delegation whenever
required.
- Reviewing and signing off the credit proposals presented by the whole department relationship officers and
unit managers, to enhance the credit presentations quality.
-Periodic meeting with the management at head office through discussing department issues.
-Arrange for staff hiring and recommendations to CHR to strenghthen the department staff quality.
-Preparing and approving department staff KPIs and performance.
Dealing with with small market borrowing clients. This includes the following tasks:
Managing a team composed of Unit Managers, Relationships, sales and administrators. Dealing with small
and Medium borrowing enterprises, aiming to expand the portfolio through selling products and services
based on needs, while ensuring that credit quality is maintained. This includs the following tasks:
-Identifies potential customers in the region, evaluate prospects, develop marketing, sales plans and
client calling program, while ensuring high levels of service quality and minimizing exposure to risk.
-Implements approved departmental policies and monitor their adherence.
-Implements day to day operations to ensure compliance with the established standards and
procedures.
-Manages the segment sales in the region through assisting in developing sales plans.
-Manages the team leaders in the region, ensuring acheivement of revenue, service and profitability
targets at the overall and individual level.
-Builds relationship with clients through visits to major existing and prospect customers.
-Manages and supports team leaders/RMs/Sales representatives in actively acquiring new relationships.
-Develops a thorough understanding of customers organization, industry and global practices to
maintain proximity to the clients and meet their banking needs and expectations.
-Ensure clients acquisition and retention in the region with a view of providing complete set of solutions
and maximizing revenue from the clients.
-Provides guidance and support identifying revenue oppurtunities and actively sell products to
customers in order to support the sales targets.
- Drives product penetration and cross selling seeking structures finance oppurtunities.
-Provides guidance in developing account plans in a consistent and timely manner in order to swiftly
follow up on identified actions.
-Provides inputs and market demand insights to the teams for loans which are viable for customers.
-Reviews Credit files and approve them as per authority levels.
- Maintain a clean portfolio through monitoring timely annual reviews, excesses and pending cases.
-Ensure effective collaboration is in place with the Risk Management on an ongoing basis in order to
secure and enhance the quality of the credit portfolio.
-Organize and supervises the team activities to ensure that all work is carried out in an efficient
manner.
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-Contributes to the identification of oppurtunities for continious improvement of systems, processes,
cost reduction and productivity improvement.
-Prepares Departmental reports in a timely manner to meet reqirements, policies and standards.
-Represents the function and actively contributes in various committes/meetings to ensure relevant
matters are dealt in atimely and efficient manner.
-Ensure that all staff have clear objectives, regular performance, formal annual appraisals and
individual development plans.
-Ensures and facilitates the employment, staff training and development.
-Complies with all relevant safety, quality and environmental management policies, procedures and
controls to ensure a healthy and safe work environment.
-Performs other related duties or assignments as directed.
Dealing with Middle market and High Net Worth Individuals borrowing customers. This includes the
following tasks:
-Handling my own portfolio in addition to managing a team of Relationship Officers.
- Deputizing the Department Manager in all tasks and given full authority upon his delegation whenever
required.
- Reviewing and signing off the credit proposals presented by the whole department relationship officers and
unit managers, to enhance the credit presentations quality.
-Periodic meeting with the management at head office through discussing department issues.
-Arrange for staff hiring and recommendations to CHR to streghnthen the department staff quality.
-Preparing an approving department staff KPIs and performance.
Dealing with Middle market borrowing enterprises. This includes the following tasks:
-Handling my own portfolio in addition to managing a team of Relationship Officers.
-Managing and following up the team members to have better grasp and profitability for their accounts.
-Interfering for any complicated issues and deals related to the accounts within the team, including meetings
with the clients.
-Assesing the strategy for relationship with the existing clients of the team.
- Reviewing and signing off the credit proposals presented by the team members.
-Reporting to the management continuously about the unit status including deals in the pipe line, annual
reviews and management fees to be booked.
Full fledged senior relationship manager dealing with Middle market borrowing enterprises.
Moreover, resolving the overall Department issues with Credit Control Department due to the previous experience in this field.
This job requires advanced credit analysis, accounting skills along with banks products knowledge and
relationship management background to form a credible judgment related to the credit risks emerging from
credit utilization in an account. The following tasks are applied on accounts related to all business lines
including Corporate, Commercial, Retail and High Networth:
-Evaluate on an ongoing basis and through the Credit Portfolio Review process the credit risks emerging
from credit utilization of accounts falling under the preview of the Risk Management Division with a view to
detect and ultimately eliminate avoidable credit losses.
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-Undertake an independent review of the credit files at stake, ensure clear grasp of the nature of
irregularity(s), join the account Relationship Officers in customer meetings ( if needed), define preventive
action(s), discuss with concerned Department(s), agree / setup specific steps to be followed (with timing),
and monitor actual implementation of setup actions .
-Carries out an in-depth review of credit utilization under assigned files as part of the overall Credit
Portfolio Review function being handled by the department.
-Closely watching past due and classified loans to ensure early detection of high risk accounts in order to
recommend necessary actions to help avoid bad loans or deal with them in a way that minimises losses to the
Bank.
-Arranges & manages annual Credit Portfolio Reviews on assigned portfolio.
-Based on the review of accounts as above, recommends appropriate risk rate and account strategy changes.
-Visit the concerned Region to hold detailed discussions about problematic accounts with the Regional
Business Line Managers, Team Leaders and Relationship Officers, clear possible points of disagreement,
and ensure arriving at a realistic list of corrective actions to be taken (with realistic time frame).
-Promote Credit Discipline within the bank, with parallel focus on improving the prevailing internal credit
policies, procedures & practices as might prove necessary.
-Ensure maximum compliance with the bank’s internal Credit Policy and with SAMA guidelines in connection
with appropriate asset classification (Rating), timely recognition of delinquency.
-Interacts, formally and informally, with other departments in fulfillment of the above function.
-Directly manage the large and/or complex remedial accounts to optimize recovery. This may include
extension of additional credit facilities if and when appropriate. Accounts managed are related to all
business lines including Corporate, Commercial, Retail, High Networth business lines .
-Supervise, review and authorize work initiated by other members of Remedial team.
-Meeting with Remedial clients to discuss amicable debts settlement.
-Attending SAMA Banks Dispute Committee sessions pertaining Remedial clients cases filed by / against the
bank.
-Co-ordinate with external lawyers for international litigations.
-Co-ordination of recovery efforts of Regional Remedial Units. Cross fertilization of ideas/concepts across
regional teams.
-Record lessons learnt from special cases and advise other bank departments in developing process
enhancements to avoid repetition of previous failures.
-Discussion of constructive and practical changes for more efficient collection strategies under Remedial
Department.
-Studying and updating Regional Remedial Units with any new upcoming legal issues and SAMA (Saudi Arabian
Monetary Agency) circulations, which may have any effect on remedial strategies and policies and ensure
compliance with them.
-Sharing in the preparation of the annual departmental budget estimates & projections.
-Handeled the Remedial Central Regional Area as a special assignment and task for a period of six month to
supervise three staff and do hiring and training process of a new Remedial Central Region Manager,
streamline collection efforts, and deal with senstive and special cases.
Dealing with mid sized organizations, through the following tasks:
-Preparing annual & interim credit packages.
-Preparing short form credit files to meet clients’ occasional facilities requests.
-Financials spreading & analysis.
-Visits and phone calls made with existing clients.
-Marketing calls and meetings with new clients.
-Writing Call memos.
-Monitoring customers facilities utilization.
-Preparation/checking of clients facilities letter agreements & security documents.
-Issuance of LCs & LGs and processing their extensions, and performing daily transactions.
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-Calls with branches for following up temporary overdraft authorization, recommendation, inquiries on the
client's checks under collection, signature verification of some clients.
-Checking matured loans and fixed deposits & following up their rollover.
-Developing remedial action plans for major non performing loans accounts related to all business lines
including Corporate, Commercial, Retail, High Networth business lines, in conjunction with regional teams
Kingdomwide.
Action plans are developed after in-depth analysis of existing situations and thorough evaluation of available
alternatives.
-Effective follow up with remedial teams to ensure timely implementation of approved action plans for
Remedial files.
-Developing a litigation strategy in situations where litigation represents the best available solution.
Preparation/Approving legal claims and ongoing follow up till the issuance of a decision by a competent legal
body.
-Enforcement of legal decisions in conjunction with regional remedial units / legal bodies / government
authorities.
-Preparing and approving claim documents, settlement agreements, release letters/agreements etc.
-Preparing correspondence for follow-ups, downgrading, upgrading, write-offs, and provisioning with all
corresponding accounting entries to be passed.
-Compute/evaluate SBDC (Saudi Arabian Monetary Agency Banking Dispute Committee) different litigation
scenarios.
-Co-ordinate with other departments / divisions on issues related to Special List / Overdraft & Commercial
List / SIMAH (Saudi Credit Bureau).
-Ensuring Regional units compliance with, and proper application of prevailing laws and practices in the
Kingdom, as well as the bank's internal policies and procedures, when dealing with Non Performing Loans
Accounts.
-Preparing Pending Litigations report (a detailed status report on all outstanding Lawsuits raised by, and
against the bank).
-Estimating and recommending appropriate levels of loan loss provisions on assigned Non Performing Loans
Accounts.
-Applying the bank’s internal accounting policies and ensuring Regional Remedial Units compliance with them
as well.
-Maintaining the registry of incoming /outgoing legal documents.
-Maintaining the custody of legal documents.
-Checking the validity of the clients’ Account Opening Files.
-Signature verification.
-Arrange for Pledging, de-pledging and collection of shares dividends.
-Implement facilities after checking the validity of security documents presented by the clients and coincidence with credit approvals.
-Spreading and analyzing Balance Sheets.
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