Head of credit
Jordan islamic Bank
مجموع سنوات الخبرة :22 years, 4 أشهر
• Formulation and development of public policies for credit and after-sales services and follow-up application and commitment and evaluating their results
• Strategic and operational plans development for the department of credit and after sales department in order to ensure the achievement of the highest results and the best targets
• Procedures and practices development, according to the best practices adopted to achieve the highest possible operational efficiency.
• Innovation and creativity of the harmonic solutions to the clients’ renewable problems and the development of systems within the facility to serve this target.
• Monthly and periodic review for credit and sales and evaluating profitability and performance in these departments.
• Leadership, support and follow-up work team and make sure they achieve target.
• Credit operations review and analyzed and evaluated in a comprehensive manner for the purpose of developing performance
Main responsibilities:
Control and organization of the work
environment in the credit departments of the area:
• Work on the training team to make it more efficiently.
• Performance evaluation and follow-up staff's commitment to the instructions of the company.
• Communication and cooperation with human resources to draw up development plans for employees.
Management and development of credit operations in the northern region
:
• Audit processes and procedures of granting credit and follow up its implementation and general follow-up to the problems of Branches clients.
• Credit risk management for the northern region and dealing with risks in order to achieve maximum benefit for the company with less possible risk.
• Strategic Planning for credit operations and follow up the implementation of the plans.
• Measuring the financial performance of the companies (our clients) and to evaluate the work of financial management and operational
• Credit policy developments based on comprehensive credit analysis and make it more effective to serve the company and achieve its goals.
• To reach new agreements with companies those have a weight in the region in a manner consistent with the company's financial policy.
• Increase the supplier base through a series of new agreements that managed to get the special rates and grace periods.
• Develop creative financing solutions for all types of customers (fleet - retail) to ensure win their dealings with the company, and cover their needs.
• Cooperation with the collection manager to ensure the collection of payments on time and see the evolution of the financial situation of clients.
Examine all funding requests submitted by clients (individuals and companies) and approved or not, according to company policy and the conditions of customers through the evolving study methods of credit and financial,
prepare economic feasibility studies of projects proposed for funding
Represent the company in Yanbu branch to sign on behalf of all documents, contracts and agreements with customers and companies located in the city as an industrial city and tourist destination. The most important customers in this regard, Saudi Aramco and SAMREF Inc. Crystal Global Company and Saudi Telecom Company and the Group of SABIC companies and Saudi Arabia airlines Company and electricity and water utilities and the Royal Commission in Yanbu and the General Organization for Water Desalination Company and NATPET Company and others.
In the context of the development of the services provided to customers the group has adopted in all dealings on the Oracle database to complete all transactions with the client company.
In addition to what has been said previously, Major accomplishments included:
contributed to the development of credit policies and future plans for the development
Develop solutions and proposals to increase market share.
Operations and staff management in achieving business development objectives
Consultation support for pre-sales activities in areas of expertise, pertaining to:
o Enterprise application integration
o Enterprise content management
o Information availability
o Financial situation
Progressively and rapidly progressed through several positions(Counter employee meet with clients and explain the methods of Islamic investment to them and to clarify the sales channels available in the bank until they reached the last position in which I was studying the financial conditions of the clients, and determine the extent of credit risk in finance, and prepare feasibility studies for customers to find out the financing needs of the project, and the dangers related to it, and revenue expected from it, and the competitive and market situation of them, Major accomplishments included:
Prepare economic feasibility studies.
Credit Risk Management.
Financial and credit analyzing.
Strategic planning.
Operations and staff management in achieving business development objectives
Note: I worked in the finance sections of individuals and corporate finance.
Rate: 87.5% Rating: Excellent Nature of the study: regular Sort competitive: the first on the Accounting Department Number of hours: 135 hours Practical training: Central Bank of Jordan
