Credit Team Leader
Procco Financial Services
Total years of experience :13 years, 6 Months
• To review and evaluate all card applications and assign limits, increase limit requests, and approve issuing of cards.
• Ensure the quality of documentation is met in conformity with the credit policy and financing requirements.
• Evaluating credit history reports, financial statements, and score card results for various financing products in the GCC.
• Risk and fraud management for charge cards, including collection responsibilities to minimize default.
• Operational experience using core systems to capture applications, post/reverse transactions, issue contracts, and assist clients with their requests.
• Providing support, direction, credit information, and updating the loan policies and procedures to ensure the overall quality of the Banks lending portfolio.
• A member of the Banks Credit Risk Committee; Responsible for evaluating and presenting credit applications to the committee whereby members would set terms and guarantees for approval.
• Designated coordinator with the Central Bank of Bahrain and Benefit Company to ensure compliance with laws & regulations.
• Preparing periodic analysis reports for management such as total disbursed loans, loans budget control, portfolio at risk, branch performance etc.
• Rescheduling & restructuring of loans, responsible for collection duties internally and externally as per the banks policies.
2. Arab Investment Company S.A.A., Internship (5 May 2009 - 9 July 2009)
Islamic Banking Department
• Preparing various financial statements, and credit applications.
• Dealing with various Islamic commodity products such as, Mudaraba, Murabaha, and Sukuk.
Operations Department (Letter of Credit, Money Market Settlement)
• Transferring of funds.
• Dealing with incoming letter of credit statements.
1. Kingdom University - Manama, Bahrain (2006-2009) ● Bachelors of Science Degree, Finance & Banking - GPA 3.42
2. Sacred Heart School - Manama, Bahrain (1993-2006) ● Secondary High School Certificate, GCE O-Level Examinations