Chief / Head of Large Corporate
Alawneh Exchange company
Total years of experience :24 years, 8 Months
Defined and implemented plans, strategies and procedures in corporate department to generate profit from the new and existing client segment.
•Functioned as point of contact between the credit corporate customer and the bank involved in evaluating and approving credit applications.
•Developed rapport with global clients to generate international business opportunities. Conducted periodical review of portfolio managed to ensure compliance to risk parameters of the bank.
•Optimized credit quality including risk assessment/ appraisal of all new lending opportunities. Assessed portfolio activity in terms of facility utilization, account conduct and highlighted potential bad accounts.
•Rendered one-stop solution to all banking/ financial needs of the client and grow wallet share (Global Markets, Payments & Cash Management, Global Trade & Receivable Financing, Investment Banking & Advisory, Insurance, Private Banking etc.
•Deputed for the AGM during the latter’s absence and functioned as member of choosing the winners of Bank al Etihad SME Awards.
•Managed day to day administrative aspects aimed at maintaining seamless operations in compliance to organizational policies and procedures.
•Evaluated and presented various status reports at senior management reviews to realign business strategies based on changing market dynamics and other related factors.
Qualified senior management professional with 22 years of experience in developing and implementing policies, procedures and processes in line with the present and future goals of the office in diverse roles across the organisational hierarchy.
Demonstrated expertise in enhancing market share of products or services by delivering optimum service levels, negotiating strategic partnerships, establishing affiliate marketing channels across the assigned territory.
Track record of success in increasing market share of products or services by delivering optimum service levels, negotiating strategic partnerships, establishing affiliate marketing channels for managing portfolio of JOD 600 Million aimed at accomplishing YOY growth of bank’s portfolio by 20%.
Adept at rendering Subject matter expertise in product life cycle management, which involves various phases starting with market research, customer requirements assessment, and product structuring amongst others.
Proficient in various aspects related to D/Cs terms and conditions, Banking legislative, Dealing with Clients, Bank Accounting, Bank’s Marketing, Letters of Guarantee, Promissory Notes, Banking Feasibility Studies, Risk Rating, Marine Insurance, as well as SWIFT net work by virtue of multiple internal courses.
A visionary executive and thought leader, with great communication skills, analytical ability and decision making prowess, pertaining to distinctive business scenarios. A resourceful manager, recognised for building, retaining, motivating, and guiding high performing teams to deliver organisational objectives.
The Housing Bank for Trade and Finance
Key Profile:
•Led a team of corporate relationship officers in accomplishing business and operational targets by maintaining productive business relationship between the credit corporate customers and the bank.
•Collaborated with various support teams in processing credit applications of existing customers and directing the related application.
•Evaluated team performance and rendered productivity enhancement feedback. Organized training sessions for team members based on identified training needs.
•Prepared and presented various status reports for the senior management and other stakeholders to enable effective decision making.
Maintain the relationship between credit corporate customers and the bank
•Handling and processing credit application of existing customers and directing the related application.
•Screening potential customers and exerting marketing efforts based on geographical and sectorial activities
Receiving and analyzing credit applications of new customers, gathering all Required Information, and evaluating the credit worthiness of prospective Clients.
•Appraising and evaluating new projects technically, economically, financially, as well as preparing forecasted cash flow for such project.
•Appraising applications of retail lending level. This includes both credit worthiness analysis based on scoring system and carrying out the subsequent A to Z procedures in implementing the transaction.
•Analyzing financial statements using different tools and techniques which includes among other elements the employment of relevant software.
Receiving letters of credits applications and evaluating customer’s eligibility for financing and making recommendations.
•Issuing D/Cs as well as amending terms and conditions related to D/Cs according to the UCP.
•Checking and following up the related documents according to the ICC Uniform Customs and Practice for Documentary Credit UCP and D/Cs terms and conditions as well as nominating advising, confirming, and reimbursing banks.
Main Accountant
Al-Baseal constructions Company
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courses: Specialized Professional Diploma Program in Financial Analysis (Financial Analyst) •Comprehensive Credit Facilities Training program •Corporate Marketing •Retail Marketing •Tax law and its Amendments and Applications •Multiple Internal Courses at Arab Bank PLC