HANI SYED MOHAMED

Remedial and Special Credit / Remedial Risk Committee

individual productivity of the entire department (2012)
- Successfully trained and managed 4 External Agencies for which activities related to field visits to companies,
Local and Home country CPV were assigned (2012-2014)
- Streamlined various internal processes to reduce E2E SME credit approval TAT from average 25 days to within
5 days TAT (2013)
- Awarded 3 spot prizes for recovering USD 55 Mn from 100% Provisioned Non-Performing Accounts portfolio
amounting to USD 270 Mn (2015)
- Appointed as Acting Head of Remedial and Restructuring Unit (2015-2016

Participate and represent the bank in bank syndicates, creditor group meetings, Steering Committees and other
forums established for coordinated recovery action on large impaired asset exposures at a work-out or
dissolution phase.
- Evaluate, negotiate, recommend, implement and monitor workouts including legal action, settlements,
asset/equity swaps and disposals at best realizable values through private sale, public auction or secondary
market trades.
- Interact with the obligor, review financial statements and appropriate financial analysis and negotiate any
changes in documentation terms and conditions.
- Maximize NPV of recoveries at the minimum cost on impaired assets, with prime focus on ensuring that in the
event of an exit decision, the most opportune timing and most cost effective exit strategy is implemented.
- Prepare Annual/Interim Action Plan for administration of impaired assets managed by the recovery team.
- Act as secretary to the remedial management steering committees that include members of the Board and other
senior management members and prepare minutes of the meeting.
- Reduce large and complex Corporate, Financial Institutions non-performing portfolio by successful
recovery/restructuring of all past due loans transferred to Remedial Management Team from time to time.
- Follow up court execution process, monitoring court auctions and communicating with the potential buyers for
disposal of assets of judgment debtors

Identified several fraudulent docs within approved

Review credit facility proposals, evaluate and assess the credit risk involved in all aspect of the SME Lending
Credit Guidelines and make proper recommendations/decisions in accordance to the existing/current credit
parameters in a timely manner
- Carry out a detailed review of documentation & customer’s records and assess the viability of the SME business
requests through detailed credit visits to customer premises, and make appropriate recommendations/decisions
based on the conclusions drawn during the visits.
- Work closely with the SME Head of Sales & the RMs to discuss/review new/existing facilities.
- Responsible for generating all MIS reports related to SME unit and prepare presentations for senior management
on periodic basis for their review.
- Analyze credit proposals by reviewing the financial risk profile, repayment capability, security adequacy and

Evaluate applications based on the approved credit policy and communicate the decision to front end within the
TAT as agreed in the service level agreement
- Conduct a thorough scrutiny of documents and ensure completion of documentation in all respects as per the
approved documentation policy and ensuring all fields are updated with correct information on the system and
processed.
- Highlight any document shortfall or discrepancy to the sourcing officer within agreed TAT
- Ensure credit facilities have been properly structured and there isn’t any violation of internal or external
regulations/policies
- Prepare detailed notes for approval recommendation, rejection or amendment based on credit analysis
- Conduct external environment analysis to understand the impact on credit portfolio
- Provide justification to take specific deviation approval from appropriate levels of authority for rejected credit
proposals
- Conduct telephonic & field verifications to check for authenticity of information & documentation provided by
the applicant (case to case basis)
- Key person to ensure processes related to Outsource agency staff and contact point verification (CPV) team is
carried out successfully
➢ Service & Control Supervisor - ICCS & MIS, Branch Mid-Office

Successfully resolved all Credit Card and Account related customer queries within 24 hours TAT delivering
maximum satisfaction to customers

Responsible for compiling and generating daily, monthly and annual MIS report on the Retail Credit Card
Profitability for Senior Management Review
- Trend analysis and run rate analysis to project the future course of business volumes for credit cards
- Prepare Product profitability / booking Centre profitability analysis, cost and yields
- Provide recommendations towards making key decisions related to the financial performance of the business
- Highlight variance on the planned numbers on Sales, Revenue, Expenses and the area for which the shortfall is
arising for credit card customers
- Support the annual budgeting exercise for

Developed an automated MIS which was generated on set intervals for

Responsible for consolidating Daily and Monthly report on the Retail Profitability
- Daily and monthly tracking of KPIs for Retail Business
- Projection of month-end numbers along with variance and its impact on the overall planned numbers for the
year.
- Develop management tools to measure and analyze financial and operational information (e.g.: financial ratios,
KPIs, integrated budget model, and sales forecasting platform)
- Prepare periodical MIS and support the business groups aligned to the Retail Banking Group structure in
understanding the key drivers of business performance and facilitating an understanding of variance vis-à-vis
plan and growth over prior period(s) on a monthly basis for Senior Management review
- Examine the financial viability of all new product proposals, campaigns and incentive programs and support the
Financial Controller in issuing appropriate recommendations
- Collection and extraction of data and convert it into intelligent business reports
- Review trend and run rate analysis reports to project the future course of business volumes
- Prepare product profitability / booking Centre profitability analysis, cost and yields
- Monthly forecasts to keep a track of all P&L lines
- Highlight variance on planned numbers on Sales, Revenue, Expenses and areas for which the shortfall is arising
- Close monitoring of daily sales volumes, average daily yields, and daily movement of revenue.
- Liaise with business to develop an accurate and consistent management information reporting system, at the
P&L level as well as individual product portfolio level.
- Provide financial expertise in building staff incentive programs.
- Track group MBOs; carry out adequate follow-up to ensure timely implementation of various commitments,
initiatives as laid down in the group MBOs etc.
- Ensure system developments for new products are accurately implemented with special focus on financial and
accounting requirement.
- Write test conditions for UAT & sign off for conventional/Islamic Banking systems, new product enhancements,
new system requirements, preparation of user requirement document.