Senior AGM , Group Head of Special Assets
COMMERCIAL BANK OF QATAR
Total years of experience :27 years, 10 Months
Key responsibilities
1 Manage the corporate credit assets “within discretionary delegated authority”, including credit assessment, approval and monitoring of obligor level credit proposals. Ensure that credits approved are fundamentally strong based on sound appraisals standards followed by robust monitoring to avoid foreseeable slippages in credit quality
2 Chairman of Special Assets Management committee of Commercial Bank of Qatar
Alternate Chairman “to CRO” for Early Alert Committee
Voting member in Manag. Credit Committee
3 Motivate subordinates and contribute to the identification of opportunities for continuous improvement of systems, processes and practices taking into account ‘international leading practice’, improvement of business processes, cost reduction and productivity improvement
4 Contribute to the preparation of the budget and monitor financial performance versus the budget so that the business is aware of anticipated costs/revenues and areas of unsatisfactory performance are identified
5 Monitor program and portfolio performance, perform analysis of new initiatives and programs and provide recommendations
6 Recommend improvements to departmental procedure and direct the implementation of instructions and controls covering a specific area of activity so that all relevant procedural/legislative requirements are fulfilled while delivering a quality, cost-effective service
7 Organize and supervise the activities and work of subordinates to ensure that all work within a specific area of the activity is carried out in an efficient manner which is consistent with operating procedures and policy
8 Provide on-the-job training and constructive feedback to subordinates to support their overall development
9 Ensure that the credit remedial processes within the bank are operating effectively and efficiently toward achieving high credit recovery standards
10 Coordinate with internal and external legal counsel in dealing with classified accounts to ensure implementation of best legal strategies
11 Prepare departmental MIS statements and reports timely and accurately to meet CBQ and department requirements, policies and standards
12 Set and manage credit evaluation standards in line with the regulatory requirements as well as the internal credit policy and risk appetite requirements, within defined turnaround time
13 Ensure reporting on the credit classification, provisions, write offs, suspension of profit and provision write-backs on periodic basis is in accordance with QCB regulations and bank’s policies and regulations pertaining to credit administration
14 Establish and implement special assets management policies for management of classified assets
15 Contribute towards formulation of strategy, annual business plans, policies and procedures to support divisional and bank's business strategy
Head of Risk Management with primary focus communicating risk awareness and risk information to the management and entire staff of the bank. Approves credit proposals on a full range of counterparties including corporate, banks, other financial institutions, and sovereign borrowers.
-Manages Special Assets /Remedial/Watch-list Department in full. Seeks alternative Remedial actions to secure the bank’s lending position with a view to minimize existing and potential high-risk exposure of the bank
-Evaluating significant risk management policies and procedures and develops action plans to rectify any weaknesses.
Assists in ensuring compliance with legal and regulatory directives on risk management and reporting processes. Acts as an independent analytical resource highlighting potential over-exposures and threats, as well as potential opportunities to the Bank.
-Supports and liaises with business units’ initiatives on business strategy, new product implementation and systems development from risk management perspective.
since 26/9/2004 appointed as Head of contracting Finance Division, Managing 5 relationship managers in addition to one administrative assistant & secretary. Previously Team Leader, managing 4 relationship Managers, with loan portfolio of prime companies in commercial & contracting sector. Portfolio size approximately US$1200 million, successfully achieved preset targets in 2001, 2002 and super achiever with 135% results of targets in 2003. furthermore, acheiving 123% of the division targets fr 2004 and 118% for 2005. Scope of work encompassing, marketing, credit, and risk assessment of new and existing customer base to maximize the division's profitability at convenient risk/return parameters. i'm the most senior staff in the contracting division, over the last 4 years I've been acting division head with full delegated authorities & responsibilities in case of absence of the Division Head. Over the last four years, the assigned loan portfolio has been witnessing significant growth in terms of size, bottom line profitability, ROA and ROE exceeding 340% as of date. Actively involved on annual basis in Gulf Bank corporate banking strategic planning.
Joined CIB International Banking Division as Commercial Services Assistant in July 1994, moved to Merchant Banking mid-1995. with the debut of the privatization program of state owned companies. Successfully completed Chase Manhattan Credit Training for 7 month on full time basis. Promoted to Senior Credit Analyst / corporate banking in Feb-1996, promoted to Assistant manager in corporate banking in 1998. During my service in CIB (the largest joint venture bank in Egypt, most profitable bank in Egypt-1994-1999) I’ve been exposed to vast exposure not only in Corporate Banking, but also in investment banking. That complemented the theoretical exposure with hands on experience in (Corporate Finance, M&A, IPOs, LBOs and Investment valuation...etc). in addition to managing loan portfolios in different industry sectors, such as automotive, tourism, electronics’ ..
Islamic banking program, for duration of three months (45 hours)
One Week Seminar.
one week Seminar
Five Days Seminar
Euromoney Traning Seminars
Full Fledged Credit Training covering all aspects of financial statement analysis, ratio analysis, cash flows, debt ratios, investment appraisals...etc for 9 consecutive month, by Chase Manhattan Bank staff credit. Mr. James Sutherland, Mr. Delyn Thomas, City University, London, and lot more.
graduation GPA 3.8, graduation thesis 97%
