Samir Noukari

• Responsible for reviewing credit facility requests forwarded by the Corporate Division
• Conducting thorough credit analyses during examination of various corporate files
• Provide timely and accurate information to the external and internal auditors and the Compliance function as and when required.
• Perform credit assessments, and comply with established/ approved credit risk policies and procedures
• Coordinate with business unit Relationship Managers for the timely receipt of customer documents/ other information required to evaluate the credit worthiness of the proposed borrowers.
• Assist in the assessments on credit proposals by preparing a report which analyzes the various credit risk aspects
• Support the Head of Risk in preparing a recommendation to extend, decline, or request further structuring/ guarantees/ collaterals to the deal to minimize credit risk to meet credit risk standards.

• Examine all documentation, analyse credit, and determine debt ratio
• Prepare financial spreadsheets and analyse Medium Corporate credit reports
• Analyse /spread financial statements on prospective, new, and existing customers
• Effectively assess credit risk and current and potential client viability, analyzing financial statements and cash flow of customers.
• Perform quantitative and qualitative analysis of requests for loans and lines of credit.
• Prepare written credit appraisals

• Manage and enhance the existing commercial portfolio and solicit acceptable new relationships in order to meet the pre-set financial non-financial objectives.
• Establish new borrowing relationships for Business Banking, preparing the required credit and financial analysis as per the bank policies and procedures to enhance the bank’s market share.
• Spread and analyse financial statements, preparation of credit application, documentation & post-sanction monitoring through periodic account review/renewal.
• Manage the existing loan portfolio to ensure establishment of appropriate account plans, recommend credit facilities in line with Bank credit policy to maximize earnings while containing risks to an acceptable levels.
• Develop and maintain strong working relations with all existing clients at key levels to optimize the utilization of approved facilities.
• Implement and maintain complete control aspects i.e. financial analysis of statements of accounts, documentation, and periodical client visits call reports.
• Medium customers with sales turnover up to QR 100 Million.

• Manage the branch credit portfolio which includes all finance categories (corporate finance, SME finance, retail finance).
• Prepare credit application and forward it to the relevant approving authority
• Perform financial, administrative and marketing analysis needed in the preparation of credit application for Corporate and SME finance
• Perform Salary analysis for retail finance.
• Receive the approvals and execute the financing
• Daily monitoring of customer accounts to ensure repayment of all installments
• perform routine visits to existing and prospect customers
• Representing Banque Misr Liban in the information exchange process between Lebanese banks concerning the debtor clients.

• Prepare SWIFT messages to all bank sections (Remittance section, FX Section and other ) and send it to be approved from section heads before getting the final approval from operation head who has the authority to send these messages to the interface level
• Open the swift line, send the prepared messages and receive the inward messages from all banks
• Responsible for issuance and renewal of BKEs (bi lateral key exchange ) between the bank and other local and abroad banks

• All back office works related to check clearing operation

• Execute different bank’s operations like outward and inward remittances, local transfers, check issuance, check deposit…etc