رالف prince, Senior Portfolio & Policy management officer

رالف prince

Senior Portfolio & Policy management officer

Bank Audi - Audi Group

البلد
لبنان - بيروت
التعليم
ماجستير, MBA
الخبرات
13 years, 7 أشهر

مشاركة سيرتي الذاتية

حظر المستخدم


الخبرة العملية

مجموع سنوات الخبرة :13 years, 7 أشهر

Senior Portfolio & Policy management officer في Bank Audi - Audi Group
  • لبنان - بيروت
  • أشغل هذه الوظيفة منذ سبتمبر 2015

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

Credit Analyst في Bank Audi - Audi Group
  • لبنان - بيروت
  • مارس 2012 إلى أغسطس 2015

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.

Special projects في Bank Audi - Audi Saradar Group
  • لبنان - بيروت
  • مارس 2011 إلى فبراير 2012

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.

Loan initiation officer في Bank Audi - Audi Saradar Group
  • لبنان - بيروت
  • نوفمبر 2009 إلى فبراير 2010

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.

الخلفية التعليمية

ماجستير, MBA
  • في ESA Business School
  • سبتمبر 2017

17.4/20 on the final project "The Car SPA"

دبلوم, Financial Markets
  • في ESA Business School
  • يناير 2015

Highest grade on the final project

بكالوريوس, Banking and finance
  • في Lebanese American University
  • فبراير 2009

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

Specialties & Skills

Credit Assessment
Analysis
Portfolio Optimization
Project Work
Microsoft Office
Technological savvy
Research and analytical
Teamwork
Problem-solving
Microsoft office
Creativity

اللغات

العربية
متمرّس
الانجليزية
متمرّس
الفرنسية
متوسط

العضويات

Ghazir Club
  • Captain of the basket ball team
  • January 2000
UCO
  • Leader and event organizer
  • September 2005

التدريب و الشهادات

Credit Scoring (تدريب)
معهد التدريب:
FICO
تاريخ الدورة:
October 2017
المدة:
16 ساعة
Credit Risk Management (تدريب)
معهد التدريب:
Euromoney Training EMEA
تاريخ الدورة:
July 2014
المدة:
24 ساعة
Applied analytic and development of credit scoring application using SAS Enterprise Miner (تدريب)
معهد التدريب:
SAS Middle East FZ – LLC
تاريخ الدورة:
May 2014
المدة:
24 ساعة
Eikon Thomson Reuters Certificate (تدريب)
معهد التدريب:
Thomson Reuters
تاريخ الدورة:
January 2015
المدة:
9 ساعات
Personal Banking Training (تدريب)
معهد التدريب:
Bank Byblos
تاريخ الدورة:
September 2008
Advanced Microsoft Excel (تدريب)
معهد التدريب:
Formatech
تاريخ الدورة:
November 2012

الهوايات

  • Basketball
    Participated and won many domestic and international tournaments while playing for clubs, university and bank's team.