ASSOCIATE DIRECTOR
NBAD
مجموع سنوات الخبرة :18 years, 0 أشهر
Managing and monitoring the clientele portfolios to acquire new leads and increase Unit profit
Provided consultation services to commercial clients about asset-based and cash flow based lending
Processing for Credit approval
Preparing Due Diligence Reports for the clients
Actively involved approval processing of program lending product programs
Evaluation of critical risks for the portfolio and determination of early warning parameters
Contribute to client management activities
Specialized and consulted corporates for investment banking transactions and transactional banking
Portfolio review based on the risk levels
Ensuring the portfolio is accurately risk rated.
Promoting Business development activities for Assets Teams as team leader
Structuring and developing of credit policies and orientation of the procedures across the bank
Collaborated with subsidiary banks for transaction banking & FX transactions
Reviewing & assessing and decision making on credit proposals & due diligence reports
Structured and developed of credit policies and orientation of the procedures across the bank
Executed consulting activities for more than 100 companies trade working capital facilities
Project Financing for contracting & construction companies
Management of credits, along with business managers.
Taking pro-active steps regarding if portfolio quality is within bank’s acceptable risk parameters.
Assisting business managers in structuring and re-structuring client limits.
Ensuring credit policies are relevant and recommending/making updates and/or amendments.
Recommending changes in the credit policy
Cross Selling of Program Lending Products (Business Loans, Asset Backed Finance, etc)
Assisted & guided business units / commercial clients in meeting customer needs
Arranged international trade and payment transactions for corporate clients
Designed and launched PDC Cheques Discounting Product for Commercial Banking clients
Team leader - Associate Director
Business Banking Product Team (Reporting to Executive Director)
Design and implemented conventional products for the Assets and Liabilities Teams
Implemented Master Program Policy Bank Statement Financing
Designed and launched PDC Cheques Discounting Product for Commercial Banking clients
Designed Liability Product of “Draw” for Commercial Customers
Completed & launched Process Mappings for Program lending products and Khalifa Fund Program
Completed all Product Program Guidelines and risk analysis for all Program Lending Products such as Asset Based Financing, Business Loans, Visa Business Credit Card, and POS loans
Successfully finalized the revision of Master Program Lending policy
Improved Visa business Credit Card Policy for MNC clients
Arranged and executed training sessions for all sales teams for TWC products and CA underwriting
Implementation of score card for TWC CA applications and Program Lending cases
Designed and launched Easy Trade Program for TWC cases as Fast Track Credit Processing
Regularly contributed to Operational Risk Committees for Oman and Egypt
Designed and promoted the followings Product Programs for Commercial Banking
Supplier Financing (Etihad Airline Supply Chain), Cluster Based Financing, Commercial Real Estate, Vendor for Portfolio Quality Monitoring
Implementation of Early Warning System for commercial banking clients
Developed standard CA format for TWC cases accepted & acknowledged by Credit Team
Supervises finance, accounts and administration departments in head office and branches in 4 countries
(KSA, Qatar, India, and Oman)
Arranges, negotiates project finance credit facilities with local as well international banks to finance ongoing and new projects
Established project finance credit facilities with one new bank in the U.A.E. within 6 months period
Responsible for the relationship with the Al Habtoor Finance Group
Created daily / monthly cash flow monitoring system of the company
Created an advanced Payment Plan System in the head office and branch offices to efficiently manage the cash flow in overall
Completed new credit facilities and renewals for a SME clientele portfolio with loan value of more than AED 100 Mio
Prepared due diligence reports / write-ups including SWOT analysis, industry trends, competition, financial and business, cash and accrual conversions as well as breakeven analysis.
Expanded the existing loan portfolio more than 25% within 6 months period.
Achieved an outstanding approval rate of 90% on loan applications for credit applications by SME companies
Supervised finance, accounts and administration departments in both branch office and four construction sites
Arranged, negotiated project finance credit facilities with local as well international banks to finance ongoing and new projects
Established project finance credit facilities with four (4) new banks in the U.A.E.
Maintained banking relationships and monitors the treasury transactions of the company
Managed debt exposure and collections of each construction site