عبدالرحمن المنيف, Credit & Risk Manager

عبدالرحمن المنيف

Credit & Risk Manager

Loan Financing Company

Location
Saudi Arabia - Riyadh
Education
Bachelor's degree, مالية
Experience
6 years, 0 Months

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Work Experience

Total years of experience :6 years, 0 Months

Credit & Risk Manager at Loan Financing Company
  • Saudi Arabia - Riyadh
  • My current job since October 2022

Roles and Responsibilities:

Contribute to the development of the organization credit and risk strategy and develop the credit policy.
Oversee credit operations and manage the credit procedures according to organization's policies and standards while ensuring compliance with regulatory requirements.
Review credit reports and contribute to the credit committee providing technical support to the approval/ denial of loan applications.
Monitor and assess credit operations performance, guide credit team to improve accuracy and efficiency of the credit procedures.
Develop business continuity plan and recovery strategy to limit risk.
Identify key risks and mitigating factors of potential investments.
Develop and oversee implementation of the risk strategy awareness framework.

Credit Supervisor at Quara Financing Company
  • Saudi Arabia - Riyadh
  • April 2022 to September 2022

views the credit proposals for overall quality, coherence of contents and precision of information in order to recommend sound credit decisions to the appropriate approval authorities. Supporting the Senior Management of Credit department to ensure that a sound asset quality and a conservative credit culture is maintained throughout lending activities while ensuring that the credit approval process is responsive to customer needs

Roles and Responsibilities:

aware of all aspects of banking decisions and initiatives relating to credit.
provide factual and logical based recommendations and exercise independent judgment while balancing the expectations from various stakeholders of credit decisions.
Contributing to high standards of customer service and operational excellence through embracing a work smarter and customer first mindset .
Protecting credit quality and identifying potential risk and management of special situations.
Controlling risks connected with lending exposures and ensure operational and audit compliance, including compliance with regulatory parameters .
Organize workflow and ensure that employees understand their duties or delegated tasks.
Monitor employee productivity and provide constructive feedback and training.
Receive complaints and resolve problems.
Prepare and submit reports to senior managers .

Senior Credit Officer at Quara Financing Company
  • Saudi Arabia - Riyadh
  • September 2021 to April 2022

review creditworthiness of individuals, particularly for more complex transactions, to determine the risk involved in lending money or extending credit.

Roles and Responsibilities:

Analyzes credit data and financial statements of individuals to identify the degree of risk involved in lending money or extending credit.
performs research to verify employment and income, inspects reports from credit reporting agencies, and reviews ٍSIMAH scores.
Uses computer software to evaluate customers financial status and produce financial ratios.
Compiles information, completes loan applications, and composes reports detailing the degree of risk involved in the loan or credit request; recommends approval or denial based on results.
Resolves customer complaints and verifies transactions through consultation.
Performs other duties as assigned.

Credit Analyst at Quara Financing Company
  • Saudi Arabia - Riyadh
  • September 2020 to September 2021

Roles and Responsibilities:

Analyze and assess the financial statements and credit history of existing and potential clients.
Review credit applications and perform credit checks.
Structure deals and perform risk assessments.
Ability to make informed decisions backed by sound assessment.
Ability to handle multiple projects and submit applications on time.
Financial forecasting.
Keep abreast of financial news and trends.
Practice due diligence.
Read the customer’s record in "SIMAH" and evaluate his creditworthiness.

Operation Supervisor at Quara Financing Company
  • Saudi Arabia - Riyadh
  • September 2018 to September 2020

Roles and Responsibilities:

Issuing corporate contracts for medium and small corporate .
Issuing individuals contracts .
Activating direct debit for individuals contracts .
Responsible for daily and monthly reports .
Improving Jarir web portal for clients easy access loan applications .
managing Jarir loans project from Jan 2020 to Aug 2020 .
Participated in the data migration process after Quara Financing adopted a new system to enhance its core business .

Co-op trainee at Samba Financial Group
  • Saudi Arabia - Riyadh
  • January 2018 to April 2018

Role : Assistant equity manager in the treasury department

Education

Bachelor's degree, مالية
  • at King Saud University
  • May 2018

العمل على تدريب تعاوني في مجموعة سامبا المالية في ادارة الخزينة

Specialties & Skills

Credit Administration
Risk Measurement
Hazard Assessment
Credit Assessment
الإبتكار والتطوير
Microsoft office (Word , Excel , PowerPoint )
Flexible.
Excellent communication and interpersonal skills
Building solutions.
Outstanding organizational and leadership skills
Focused & Goal Oriented

Languages

Arabic
Native Speaker
English
Expert

Training and Certifications

Step exam (Certificate)
Credit Advisor Professional Exam - Seconed edition. (Certificate)
Date Attended:
November 2021

Hobbies

  • الاطلاع ومتابعة الاقتصاد المحلي والعالمي