Total Years of Experience: 26 Years, 1 Months
October 2011
To Present
Senior Relationship Manager-Corporate Middle Market
at Dubai Islamic Bank
Location :
United Arab Emirates - Al Ain
July 2009
To October 2011
Corporate Relationship Manager
at The Housing Bank for Trade and Finance
Location :
Bahrain - Manama
a) Spreads the financial statements (Income Statements, Balance Sheets, Cash Flow Projections) under Bank’s Spreading System.
b) Analyzes and interpret the financial statements using tools of financial analysis (Ratio Analysis, Trend Analysis, Cash Flow Statement Analysis, and Peer Analysis).
c) Prepares complete Credit Approval Memorandums for new/renewal/amendment proposals with the guidance of concerned Corporate Banking Manager.
d) Prepares the Risk Rating of Corporate Clients in line with the bank’s Risk Rating Model.
e) Prepares review reports on previously submitted Credit Approval Memorandums, when needed.
f) Contacts customers at the request of Relationship Manager for any additional information/clarification, to assist in the financial analysis/Credit Approval Memorandum.
g) Collects and analyzes information from various internal and external resources on company, business, and industry performance and associated risks.
h) Assists Unit Heads during client calls.
i) Coordinates with Relationship Managers/Unit Heads for timely disposal of cases.
j) Liaises with Relationship Manager/Unit Head in case of any comments by Risk Management on Credit Approval Memorandums submitted to Risk Management for review.
k) Prepares business and market reports at the request of Relationship Manager/Unit Head.
l) Develops / improves the quality of credit submissions, and provides quality service to all Corporate Banking Division staff.
m) Performs other related duties as assigned.
n) The documentation and implementation for the operation administration of corporate transactions and agented facilitis to the syndicated loan
b) Analyzes and interpret the financial statements using tools of financial analysis (Ratio Analysis, Trend Analysis, Cash Flow Statement Analysis, and Peer Analysis).
c) Prepares complete Credit Approval Memorandums for new/renewal/amendment proposals with the guidance of concerned Corporate Banking Manager.
d) Prepares the Risk Rating of Corporate Clients in line with the bank’s Risk Rating Model.
e) Prepares review reports on previously submitted Credit Approval Memorandums, when needed.
f) Contacts customers at the request of Relationship Manager for any additional information/clarification, to assist in the financial analysis/Credit Approval Memorandum.
g) Collects and analyzes information from various internal and external resources on company, business, and industry performance and associated risks.
h) Assists Unit Heads during client calls.
i) Coordinates with Relationship Managers/Unit Heads for timely disposal of cases.
j) Liaises with Relationship Manager/Unit Head in case of any comments by Risk Management on Credit Approval Memorandums submitted to Risk Management for review.
k) Prepares business and market reports at the request of Relationship Manager/Unit Head.
l) Develops / improves the quality of credit submissions, and provides quality service to all Corporate Banking Division staff.
m) Performs other related duties as assigned.
n) The documentation and implementation for the operation administration of corporate transactions and agented facilitis to the syndicated loan
May 2007
To May 2009
Corporate Relationship Manager
at Arab Bank
Location :
United Arab Emirates - Abu Dhabi
a) Spreads the financial statements (Income Statements, Balance Sheets, Cash Flow Projections) under Bank’s Spreading System.
b) Analyzes and interpret the financial statements using tools of financial analysis (Ratio Analysis, Trend Analysis, Cash Flow Statement Analysis, and Peer Analysis).
c) Prepares complete Credit Approval Memorandums for new/renewal/amendment proposals with the guidance of concerned Corporate Banking Manager.
d) Prepares the Risk Rating of Corporate Clients in line with the bank’s Risk Rating Model.
e) Prepares review reports on previously submitted Credit Approval Memorandums, when needed.
f) Contacts customers at the request of Relationship Manager for any additional information/clarification, to assist in the financial analysis/Credit Approval Memorandum.
g) Collects and analyzes information from various internal and external resources on company, business, and industry performance and associated risks.
h) Assists Unit Heads during client calls.
i) Coordinates with Relationship Managers/Unit Heads for timely disposal of cases.
j) Liaises with Relationship Manager/Unit Head in case of any comments by Risk Management on Credit Approval Memorandums submitted to Risk Management for review.
k) Prepares business and market reports at the request of Relationship Manager/Unit Head.
l) Develops / improves the quality of credit submissions, and provides quality service to all Corporate Banking Division staff.
m) Performs other related duties as assigned.
n) The documentation and implementation for the operation administration of corporate transactions and agented facilitis to the syndicated loan
b) Analyzes and interpret the financial statements using tools of financial analysis (Ratio Analysis, Trend Analysis, Cash Flow Statement Analysis, and Peer Analysis).
c) Prepares complete Credit Approval Memorandums for new/renewal/amendment proposals with the guidance of concerned Corporate Banking Manager.
d) Prepares the Risk Rating of Corporate Clients in line with the bank’s Risk Rating Model.
e) Prepares review reports on previously submitted Credit Approval Memorandums, when needed.
f) Contacts customers at the request of Relationship Manager for any additional information/clarification, to assist in the financial analysis/Credit Approval Memorandum.
g) Collects and analyzes information from various internal and external resources on company, business, and industry performance and associated risks.
h) Assists Unit Heads during client calls.
i) Coordinates with Relationship Managers/Unit Heads for timely disposal of cases.
j) Liaises with Relationship Manager/Unit Head in case of any comments by Risk Management on Credit Approval Memorandums submitted to Risk Management for review.
k) Prepares business and market reports at the request of Relationship Manager/Unit Head.
l) Develops / improves the quality of credit submissions, and provides quality service to all Corporate Banking Division staff.
m) Performs other related duties as assigned.
n) The documentation and implementation for the operation administration of corporate transactions and agented facilitis to the syndicated loan
May 2006
To April 2007
Relationship Manager
at Capital Bank of Jordan
Location :
Jordan - Amman
a) Spreads the financial statements (Income Statements, Balance Sheets, Cash Flow Projections) under Bank’s Spreading System.
b) Analyzes and interpret the financial statements using tools of financial analysis (Ratio Analysis, Trend Analysis, Cash Flow Statement Analysis, and Peer Analysis).
c) Prepares complete Credit Approval Memorandums for new/renewal/amendment proposals with the guidance of concerned Corporate Banking Manager.
d) Prepares the Risk Rating of Corporate Clients in line with the bank’s Risk Rating Model.
e) Prepares review reports on previously submitted Credit Approval Memorandums, when needed.
f) Contacts customers at the request of Relationship Manager for any additional information/clarification, to assist in the financial analysis/Credit Approval Memorandum.
g) Collects and analyzes information from various internal and external resources on company, business, and industry performance and associated risks.
h) Assists Unit Heads during client calls.
i) Coordinates with Relationship Managers/Unit Heads for timely disposal of cases.
j) Liaises with Relationship Manager/Unit Head in case of any comments by Risk Management on Credit Approval Memorandums submitted to Risk Management for review.
k) Prepares business and market reports at the request of Relationship Manager/Unit Head.
l) Develops / improves the quality of credit submissions, and provides quality service to all Corporate Banking Division staff.
m) Performs other related duties as assigned.
n) The documentation and implementation for the operation administration of corporate transactions and agented facilitis to the syndicated loan
b) Analyzes and interpret the financial statements using tools of financial analysis (Ratio Analysis, Trend Analysis, Cash Flow Statement Analysis, and Peer Analysis).
c) Prepares complete Credit Approval Memorandums for new/renewal/amendment proposals with the guidance of concerned Corporate Banking Manager.
d) Prepares the Risk Rating of Corporate Clients in line with the bank’s Risk Rating Model.
e) Prepares review reports on previously submitted Credit Approval Memorandums, when needed.
f) Contacts customers at the request of Relationship Manager for any additional information/clarification, to assist in the financial analysis/Credit Approval Memorandum.
g) Collects and analyzes information from various internal and external resources on company, business, and industry performance and associated risks.
h) Assists Unit Heads during client calls.
i) Coordinates with Relationship Managers/Unit Heads for timely disposal of cases.
j) Liaises with Relationship Manager/Unit Head in case of any comments by Risk Management on Credit Approval Memorandums submitted to Risk Management for review.
k) Prepares business and market reports at the request of Relationship Manager/Unit Head.
l) Develops / improves the quality of credit submissions, and provides quality service to all Corporate Banking Division staff.
m) Performs other related duties as assigned.
n) The documentation and implementation for the operation administration of corporate transactions and agented facilitis to the syndicated loan
March 1998
To May 2006
Credit Officer
at Arab Bank
Location :
Jordan - Amman
1 Visiting Expected and Potential Clients.
2 Maintaining the Credit Policy approved by Board Of Directors in a status .
3 Marketing through visiting present clients to study their needs to ensure their use of the given facilities.
4 Conducting sector studies for the local market.
5 Attracting new clients (facilities & deposits) and developing semi-annual marketing plans to meet budget expectations.
6 Preparing monthly reports to be sent to General Management for portfolio monitoring purpose .
7 Analyzing credit applications (including financial statements/ cash flows and visibility studies) & making recommendations for facilities committee.
8 Contributing in all the activities of various loan & credit departments to ensure the credit policy is accomplished & a profit portfolio result.
9 Contributes to effective bank management by participating in the development & implementation of policies & strategies & marketing strategies to achieve short & long term objectives
2 Maintaining the Credit Policy approved by Board Of Directors in a status .
3 Marketing through visiting present clients to study their needs to ensure their use of the given facilities.
4 Conducting sector studies for the local market.
5 Attracting new clients (facilities & deposits) and developing semi-annual marketing plans to meet budget expectations.
6 Preparing monthly reports to be sent to General Management for portfolio monitoring purpose .
7 Analyzing credit applications (including financial statements/ cash flows and visibility studies) & making recommendations for facilities committee.
8 Contributing in all the activities of various loan & credit departments to ensure the credit policy is accomplished & a profit portfolio result.
9 Contributes to effective bank management by participating in the development & implementation of policies & strategies & marketing strategies to achieve short & long term objectives
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