Senior Manager, Credit
Ahli United Bank
Total years of experience :14 years, 11 Months
Performed various roles as entrusted upon me by the Bank
Product owner (2019 to Present):
• Conceptualized a strategic product vision for my division under Corporate Banking
• Improved efficiency, and achieved cost savings by executing crucial Digital transformation projects
• Achieved synergies by technically improving collaboration with other departments
• Successful project execution led to appreciable process efficiency and cost savings
• Equipped me with learning in Technology - AI for Leaders, Certified SAFe 5 Agilist and Fintech
Relationship Manager for 6 months, as a stop-gap arrangement, handling top-tier clients wherein portfolio management and account monitoring functions were carried out
Senior Manager - Credit Analysis (2019 to Present):
• Prepared and presented proposals to Committees for a diverse client portfolio in a timely manner
• Preferred analyst for syndications, project finance deals, restructurings, and big-ticket size deals
• Conducted industry reviews, assessment of new prospects, & partnered with RMs in roping in Business
• 'Plaque of appreciation' awarded for presentation on 'Kuwait's Economic Outlook' by a reputed group
Headed the Credit review team of 7 Credit Risk Officers in credit risk review/management:
• Reviewed every individual / corporate risk report prepared by the Team for the entire Bank's portfolio
• Prepared financial analysis & risk report for high-value / syndication deals in UAE, Bahrain & KSA
• 'Risk rating Approver' for all the clients on Moody’s Credit Lens after discussion with Corporate Banking
• 'Member of the Provision Committee' and proactively strived to reduce provisions and potential NPLs
• Shared audit findings and best practices with the team and managed team performance
• Provided recommendations for revisions to the Group Credit / Risk policies on a proactive basis
• Improved rating quality by developing Rating manuals collaborating with Moody's partner - Risk Matrix
• As Corporate Banking’s Product Manager implemented CAM Automation Project, both pre & post-approval, (with a vendor) engaging various departments - Trade finance, Treasury, Risk, CAD, Senior Management. Handled from Gap analysis to UAT
• As a Senior Credit Analyst in Wholesale Banking, handled credit analysis for 40 clients from various portfolios. Successfully presented on a prestigious deal - the largest KD loan in Kuwait’s history, which won appreciation
Managed a portfolio of 65 large corporate business clients constituting various LA councils, Hospitals - NHS Foundation Trusts, Social housing associations, Colleges, MNCs etc. with exposure ranging from £1mio to £50mio.
Assess client’s business model, cash flows, funding requirements to device appropriate conquest deal structure-facility term repayment mode, security & credit covenants.
Write credit papers by covering present industry, competition, group structure, ownership & management.
Evaluate client’s default risk and severity by determining risk grading-(S&P, Moody, Fitch, bespoke), product pricing, risk return tradeoff, probability of default (PD) and loss given default (LGD).
Monitoring & control activity for the portfolio asset quality by setting internal risk triggers (IRT’s) / covenants and testing the same on the basis of latest info to flag early warning signs for remedial action & enforcement of lenders right.
Pro-actively engaging with the front office to structure solutions which assist its growth, minimize the bank’s expected loss and are in compliance with internal policies
Set credit risk related terms in both loan and trading documentation and liaise with Legal as appropriate
Dealt with a portfolio size of 26 accounts (increased from a previous portfolio of 13).
Performed counterparty credit analysis including, but not limited to, credit due diligence meetings, industry analysis, cash-flow and liquidity analysis, sensitivity analysis, collateral and enterprise valuation analysis
Managed increase in the responsibility with more emphasis laid on supervision and monitoring (FFRs & IRs) of the portfolio and to suggest Relationship Manager on the decision making.
Supervised and monitored the correctness of core banking systems
Managed the pre-sanction department for advances portfolio constituting 13 accounts aggregating to around Rs.900.00Cr as a Senior Credit Analyst
Proactively prevented diversion of funds through due diligence, effective reporting and monitoring of various available sources. Successfully appraised, assessed and implemented Corporate Debt Restructuring packages (CDR).
Assessed, evaluated and corrected delinquency issues with certain customers while maintaining excellent rapport
Analyzed financial statements, conducted ratio analysis to construct financial model based on the historical data and sound
assumptions. Assessed credit rating of the borrowing units in accordance with the bank’s internal risk rating policies
Prepared & presented Credit Risk Assessment (Bank’s internal risk rating) to the Corporate Credit Committee. Presented control forms and issued sanction letters
Held regular discussions with CEOs, CFOs and other top management of clients, site visits, inspections, LIEs, stock auditors, property valuers and consultants.
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