Head
DOHA BANK
Total years of experience :26 years, 4 Months
Premier commercial bank in Qatar (DSIB) owned party by Qatar Government and royal family of Qatar (Asset Size - $ 22bn and L&A $16bn).
Brief Job Profile
Responsible for overall credit risk management of corporate portfolio, with proper policy framework, credit underwriting and ensure asset quality of the portfolio is maintained. Also member of Bank’s Management Credit committee (MCC) and Watch list committee. Additional responsibilities include Rating model and Basel II implementation including Stress testing and ICAAP and IFRS -9.
Portfolio and Geographical coverage
Wholesale (Corporate & Structured finance), International Banking and SME Banking in UAE, Kuwait and India branches and other overseas offices.
Job Description
Credit Risk Evaluation and Underwriting
•Critical examination of the policy/procedures and new products to ensure that all the risks factors have been identified and mitigated in accordance with the Corporate strategy/QCB regulations
•Pre-approval review of Credit/Transaction Applications of Wholesale, International and SME Banking based on the comments/analysis to ensure it is consistent with policy guidelines and QCB regulations.
•Negotiate and coordinate with relationship teams and clients on the structure the credit facilities. Conduct site inspections and customer visits wherever necessary to assess and discuss the requirements of the client.
•Sign off Credit Applications and Transaction Applications based on approval delegations and to recommend/approve acceptable credit risk.
•Approve internal rating and maintain Credit Grading System and validate the rating parameters including integrating the system into the Risk Evaluation unit for rating review process.
• Overall supervision of the day to day operation of the Credit Risk Evaluation of the Bank.
Portfolio Monitoring and other Credit Risk Functions
•Use discretion in allowing exception like TOD, EOL, one off transaction etc. to facilitate business needs.
•Define and develop sector, concentration, group and collateral-wise exposure limits for the entire credit portfolio and organise risk/performance analysis reports for Bank’s top management.
•Oversee the monitoring activity of the advances through the periodic reports/watch list, determine causes of default, do SWOT analysis and recommend remedial steps to the Credit Committee
•Develop and maintain the parameters under the Credit Grading system and capital calculation for standardized approach and laying the foundation for the IRB foundation and advanced approaches.
•Authorizing release of credit facilities based on the Facility Release Forms on the recommendations of the Credit and Documentation Analysts.
•Review and monitor broad spectrum of risks associated with Bank’s lending business, quantifying & analyzing risk exposures and recommend strategy to effectively manage the exposure.
•Develop Probability of default (PD) and LGD Model across all product lines and segments the entire advances portfolio on the performance of a product/segment/sector.
•Liaise with Internal/External/QCB Auditors on the Credit Risk related issues, provide support in examining the credit portfolio of the Bank and facilitate closure of the findings report.
•Develop credit risk skills and arrange regular knowledge sharing and training for risk and business
•Involved in ICAAP (Internal Capital Adequacy Assessment Programme) process, and other Basel II planning work, relating to capital management and Selection of IT systems
•Successfully implemented IFRS 9 for credit risk provision and regulatory reporting requirement.
•Currently implementing RAROC and Moody’s CreditLense as
Scope of work includes facilitating growth by working closely with business partners to provide support for risk acceptability of the business and perform ongoing credit risk management and portfolio monitoring for mid and large corporates.
Job Description
•Preparation/review of credit risk policies and procedures, risk strategy documents in order establish policy framework
•Review and risk analysis of credit requests and evaluate facilities structure to approve or recommend for approval and
•Ensure credit requests are comprehensive and in line with policy and guidelines and validate risk rating and ensure integrity of data analysis and appropriateness of Pricing Vs Risk.
•Limit and exposure monitoring (amount & tenors) with violation monitoring & excess approval/ratification
•Approval of one-off transaction to facilitate the business contingencies with in turn around time.
•Review of client wise and portfolio level (Portfolio risk ratings, PD, LGD etc) to identify early warning signals and maintain the portfolio quality
•Evaluate Bank’s exposure is in line with the credit policy (Concentration, risk rating and segment etc). and submit the findings for appropriate action
•Developing systems and procedure for credit risk analysis, risk mitigation and effective monitoring during the credit life cycle.
•Limit and exposure monitoring (amount & tenors) and tracking the violation on real time basis.
•Evaluate treasury limits with a view of limit (LEF) consumption and customer appropriateness to the product complexity involved.
Major achievements
Set up counterparty credit risk division in India and revisited the policy and revised the processes to have proper framework of risk management.
Successfully migrated FM limit measurement and monitoring from local system to global ING system to monitor the limits on real time basis.
A well renowned Iranian Bank, having 3, 800 branches worldwide. Worked in Dubai office of the bank, which is regional office of Asia to facilitate the foreign trade of Iran with Europe and Asia.
Job Description
•Review of credit policies in line with overall bank strategies and Review risk exposures of credit portfolios including concentration risk (by sector/geographic/type) scenario analysis and stress testing.
•Vetting of Credit Proposals in terms of Regulatory and Bank's guidelines including qualitative and quantitative assessment and suggest credit risk mitigation for risk minimising.
•Portfolio analysis including asset allocation optimisation, portfolio movement, economic profile analysis
•Produce monthly credit risk reports and necessary MIS for regulatory reporting.
•Credit Committee Member in absence of
Job responsibilities include Identify prospective customers and strengthening existing relationships for necessary financing needs and evaluation of financial statements, financial modeling of projections and other information. Structuring of credit facilities to maximize the return and minimize risk. Monitoring Risk exposure to ensure within maximum permissible limits and Coordination with other banks for syndication and re-finance.
Accounts