Senior Internal Auditor
Dubai Islamic Bank
Total years of experience :11 years, 6 Months
• Manage the credit risk review process for the non-retail/corporate portfolio including; Contracting Finance, Home Finance, Corporate Public and Private Sector, Personal and Auto Finance, SMEs.
• Conduct investment process reviews. Assess the adequacy of impaired credits and investments, and ensure the adequacy of risk management processes.
• Test the effectiveness of internal control, compliance protocol, and corporate policies and procedures.
• Implement, manage, and monitor the department quality assurance program.
• Review and enhance audit procedures and methodologies. Report on audit observations and ensure compliance
with proper policies and controls. Identify new remedies and associated and potential risks.
• Oversee end-to-end management of annual audits, including: planning, reporting, due diligence, governance and
implementation of remedial measures. Facilitate communication with relevant stakeholders; ensure achievement
of KPIs and rectification of observations noted in audit reports.
• Perform fraud risk reviews and apply internal and external rating methodologies.
• Review client accounting and operating procedures and systems of internal control. Clients included: Etihad Airways, Abu Dhabi Commercial Bank, Union National Bank, Mubadala.
• Managed lending processes and credit reviews for treasury and money market accounts.
• Prepared for audits, maintained up-to-date knowledge of Deloitte audit approach, methodology, and tools.
• Established working relationships with client personnel and served as a liaison to internal audit personnel.
• Performed analytical review of audit documents. Identified accounting and auditing issues, and researched and
recommended solutions to resolve issues.
• Prepared financial statement reports and documentation supporting Deloitte audit opinions.
• Single point of contact for the Credit Risk Management Team
• CCS providing central coordination and oversight of all tasks to be managed for the respective CRM team
• Oversee production and quality control of various MIS and KPI reporting for the portfolio
• Focus on mid / high complexity processes and reporting - requiring detailed interpretation
• Understanding of information provided to formulate reports and presentations for the respective Credit Teams, and Senior Management.
• Ownership for the delivery of projects / daily processes to defined plans & quality standards along with assisting with overall enhancements to the Credit Area risk management processes and tools
• Assisting with UAT Testing for strategic changes or enhancements to respective risk systems
• Manage and grow relationships with the pool of new and existing corporates
• Liaise and manage relationship with CEOs, CFOs, and HR directors of a corporate for company sign ups
• Payroll account sales coupled with cross selling of asset and wealth products in corporates
• Manage a team of 6 sales associates to meet and exceed performance expectations
• Act as a bridge between employee banking and support functions of the bank
• Portfolio Management of corporate clients with a turnover of above PKR 3 Billion
• Managed a team of 12 to ensure swift migration of SME accounts to an electronic database
• Exceeded the target by 50% with effective strategies
• Grasped the importance of organizational controls and risk mitigation
• Directly reporting to the groups stakeholders
• Maintaining collaboration with global teams for quality assurance
• Acquired insight into the fundamentals of operational risks and compliance requirements
• 12 Month rotational programme in various departments of CB
• 1 Month training on ethics, policies, sales, marketing & other aspects of banking
• Specialized training for RM roles
• Credit Risk; Retail lending analytics, SME collections and collateral management database
• Product marketing; assisting all departments and organizing all events for the bank
• Worked with the SME, Investments and wealth management departments.
Acquired insight on branch sales and operations and strong relationship management
URL removed due to policy violation. Please contact support for further information.