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Raed Barghout CMA, Senior Credit Manager

Raed Barghout CMA

Senior Credit Manager·QNB Group

Qatar

Higher diploma, CMA

Work experience

Total years of experience: 14 years, 7 months

Senior Credit Manager

February 2023 - Present

QNB Group

Doha, Qatar

February 2023 - Present

In the financial domain, specifically in Banking and Corporate Banking, I play an important role in supporting the management of QNB's $100 billion corporate portfolio. Drawing upon my expertise in finance, financial analysis, and accounting, I conduct comprehensive assessments and strategic planning to guide the portfolio towards sustained growth. My proficiency in credit decisions, risk assessment, and credit risk management ensures prudent decision-making and effective risk mitigation strategies. Furthermore, my proficiency in credit policies, accounts receivable, and credit management contributes to the stability and profitability of the portfolio. Additionally, I provide timely and accurate credit reports and insights, facilitating informed decision-making processes. I have also implemented technology solutions to automate routine credit tasks, freeing up staff time for more strategic initiatives and analysis. Through skillful negotiations and meticulous review of credit reports, I actively seek out growth opportunities while prioritizing adherence to regulatory standards, thus upholding integrity and safeguarding stakeholder interests.
Company industry:
Banking
Job role:
Banking

Assistant Manager/Corporate Credit Specialist

January 2017 - February 2023

Bank ABC

Amman, Jordan

January 2017 - February 2023

Facilitating the management of Jordan corporate portfolio by representing as a Corporate Credit Deputy Manager
Company industry:
Banking
Job role:
Banking

Senior Global Corporate Credit Associate

April 2014 - December 2016

Arab Bank PLC

Amman, Jordan

April 2014 - December 2016

During my tenure as a Senior Corporate Credit Associate, I have:
1. Successfully assisted in managing multiple billion-dollar portfolios within the bank, honing my ability to navigate complex financial landscapes and adapt to diverse regulatory environments.
2. Implemented streamlined processes for evaluating and assessing credit packages, ensuring the comprehensive submission of all required data in an efficient manner, leading to improved workflow efficiency and reduced turnaround times.
3. Developed and delivered presentations for proposed facilities to joint credit committees, including JCC1, JCC2, JCC3, and higher, consistently meeting strict deadlines and enhancing decision-making processes.
4. Conducted regular portfolio reviews and credit analyses to identify potential credit risks and opportunities for portfolio optimization, providing valuable insights for strategic decision-making and risk management.
5. Played a pivotal role in creating awareness and validating risk ratings, ensuring the suitability of pricing and collateral, and identifying appropriate mitigates for risks, resulting in enhanced risk management practices and improved credit quality across the portfolio.

Additionally, I've strategically conducted sensitivity analysis and stress testing on cash flow projections, enabling accurate assessment of borrowers' repayment capabilities and further bolstering risk management efforts. My contributions have ensured that corporate credit requests align with the bank's strategy, policies, and guidelines, fostering sound lending practices and supporting the bank's overall financial objectives.
Company industry:
Banking
Job role:
Banking

Global Corporate Credit Associate

November 2011 - April 2014

Arab Bank

Amman, Jordan

November 2011 - April 2014

Facilitate the management of Morocco corporate portfolio by representing as a Global Corporate Credit Associate

Remaining duties & responsibilities are mentioned above.
Company industry:
Banking
Job role:
Banking

Education

IMA | Institute of Management Accountants

August 2015

August 2015

Higher diploma, CMA

Jordan

View attachment

Applied Science University-Jordan

October 2010

October 2010

Bachelor's degree, Bachelor of Business Administration (B.B.A.)

Jordan

GPA (point): 3.25 out of 4

GPA (point): 3.25 out of 4

Was on the honor list of the university
View attachment

Skills

Presentation Skills
Expert
Presentation Skills
Expert
Portfolio Management
Expert
Portfolio Management
Expert
Corporate Finance
Expert
Corporate Finance
Expert
Credit Analysis
Expert
Credit Analysis
Expert
Financial Analysis
Expert
Financial Analysis
Expert
Punctuality
Expert
Punctuality
Expert
Wholesale Banking
Expert
Wholesale Banking
Expert
Communication
Expert
Communication
Expert
FCRA
Expert
FCRA
Expert
Billing
Expert
Billing
Expert
Risk Appetite
Expert
Risk Appetite
Expert
Risk Analytics
Expert
Risk Analytics
Expert
Marketing Strategy
Expert
Marketing Strategy
Expert
Leadership
Expert
Leadership
Expert
Financial Analysis
Expert
Financial Analysis
Expert
Time Management
Expert
Time Management
Expert
loan review
Expert
loan review
Expert
Credit
Expert
Credit
Expert
Early Warning
Expert
Early Warning
Expert
credit risk
Expert
credit risk
Expert
Financial Services
Expert
Financial Services
Expert
Development Approvals (Land)
Expert
Development Approvals (Land)
Expert
Financial Statement Analysis
Expert
Financial Statement Analysis
Expert
Business Requirements
Expert
Business Requirements
Expert
Creative Strategy
Expert
Creative Strategy
Expert
Credit Information
Expert
Credit Information
Expert
Presentations
Expert
Presentations
Expert
Solid presentation skills
Expert
Solid presentation skills
Expert
Decision Making
Expert
Decision Making
Expert
Annual Reviews
Expert
Annual Reviews
Expert
International Credit
Expert
International Credit
Expert
Risk Analysis
Expert
Risk Analysis
Expert
Commercial Lending
Expert
Commercial Lending
Expert
Conflict Resolution
Expert
Conflict Resolution
Expert
Problem Solving
Expert
Problem Solving
Expert
Negotiation
Expert
Negotiation
Expert
Data Analysis
Expert
Data Analysis
Expert
Strategic Thinking
Expert
Strategic Thinking
Expert
Trade Finance
Expert
Trade Finance
Expert
Financial Reporting
Expert
Financial Reporting
Expert
Client Visits
Expert
Client Visits
Expert
Creativity Skills
Expert
Creativity Skills
Expert
Portfolio Management
Expert
Portfolio Management
Expert
Credit Analysis
Expert
Credit Analysis
Expert
Financial Accounting
Expert
Financial Accounting
Expert
Risk Assessment
Expert
Risk Assessment
Expert
Accounting
Expert
Accounting
Expert
Accounts Receivable (AR)
Expert
Accounts Receivable (AR)
Expert
Wholesale
Expert
Wholesale
Expert
Financial Risk Management
Expert
Financial Risk Management
Expert
Retail Banking
Expert
Retail Banking
Expert
Due Diligence
Expert
Due Diligence
Expert
Internal Audits
Expert
Internal Audits
Expert
Sales
Expert
Sales
Expert
Management
Expert
Management
Expert
Corporate Finance
Expert
Corporate Finance
Expert
Easily Adaptable
Expert
Easily Adaptable
Expert
Underwriting
Expert
Underwriting
Expert
Credit And Collections
Expert
Credit And Collections
Expert
Credit Decisions
Expert
Credit Decisions
Expert
Business Administration
Expert
Business Administration
Expert
Risk Management
Expert
Risk Management
Expert
Credit Underwriting
Expert
Credit Underwriting
Expert
Planning Budgeting & Forecasting
Expert
Planning Budgeting & Forecasting
Expert
Marketing
Expert
Marketing
Expert
Team Leadership
Expert
Team Leadership
Expert
Credit Risk Management
Expert
Credit Risk Management
Expert
Business Strategy
Expert
Business Strategy
Expert
Teamwork
Expert
Teamwork
Expert
Financial Modeling
Expert
Financial Modeling
Expert
Presentation Skills
Expert
Presentation Skills
Expert
Portfolio Management
Expert
Portfolio Management
Expert
Corporate Finance
Expert
Corporate Finance
Expert
Credit Analysis
Expert
Credit Analysis
Expert
Financial Analysis
Expert
Financial Analysis
Expert

Languages

Arabic

Expert

English

Expert

Training and Certifications

Training
Credit, corporate & institutional banking, Ruwad Program
Arab Bank PLC
Nov 2011

Hobbies and interests

Reading, improving myself and tennis