Senior Portfolio & Policy management officer
Bank Audi - Audi Group
Total years of experience :13 years, 7 Months
Analyse added-value credit and counterparty risk reports in a timely manner
Reduce cost and losses by implementing upgraded methods across products and networks that lead to more profitable lending
Manage credit loss and review the provisioning policy based on delinquency metrics analysis
Study applicant's credit history, account movements and unpaid history from previous loans.
Check and analyze investigation results defined by the information department
Check credit worthiness (DBR, Annuity, COL etc.) and prepare analysis reports showing the conformity of the client's financial status with the defined lending criteria in order to initiate an approval/rejection decision accordingly.
*Portfolio assessment (Dec 2012-March 2013)
Perform a global analysis review on retail lending for the past 2 years highlighting the performing and risky groups of clients, segments, branches and users.
Outcome of the analysis was presented to the bank's general manager and many others in order to highlight the bank's credit history and to improve and fine-tune the lending decisions and criteria.
Enhance systems and tools to facilitate the assimilation of new products and procedures in order to smoothen operations and daily work. (New personal loan module, automated applications and contracts printing from banking system etc.)
Create and test different processes to be implemented by colleagues to reduce risk and/or improve output.
Assist the head of department in the preparation of trainings, seminars and innovative ideas to be presented to managers and branches' employees.
Execute and follow up the payments, contracts and reconciliations for the educational as well as for the military housing
loans of the bank.
Perform data and documents validation for all received loans
Manage the educational loans portfolio of the bank by conducting meetings, presentations and implementing new procedures and processes.
Process applications and complete the documentation after a loan has been approved and follow up accounts till maturity.
Handle the bank’s consumer lending products: student loans, personal loans, car loans and military housing loans.
17.4/20 on the final project "The Car SPA"
Highest grade on the final project
cumulative GPA: 3.19 business GPA: 3.6 Managed to get the highest grades in many achieved courses (managerial finance, monetary theory and policy, financial markets and institutions,business statistics etc.) In addition, was listed on the honors and distinction list for 3 semesters at LAU