Senior Relationship Manager-Corporate Middle Market
Dubai Islamic Bank
Total years of experience :26 years, 2 Months
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
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
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
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
Master Degree in finance from Amman Arab University for - Graduate Studies in 2004, Average ‘3.56’ V.Good
B.A. Degree in Accounting From Jordan University In 1998, Average ‘3.12’ V.Good.