Credit & Risk Manager
Loan Financing Company
Total des années d'expérience :6 years, 1 Mois
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.
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 .
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.
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.
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 .
Role : Assistant equity manager in the treasury department
العمل على تدريب تعاوني في مجموعة سامبا المالية في ادارة الخزينة