Industry Head - Corporate Banking
Ahli United Bank
مجموع سنوات الخبرة :19 years, 3 أشهر
• Manage corporate banking unit which involves growing business in terms of assets, liabilities customer base and income from the bank’s corporate target markets.
• Responsible for continuous enhancement of the breadth and depth of product lines for the unit to achieve and sustain competitive positioning in the target markets.
• Create and manage corporate relationships and ensure optimal sells to all the customers.
• Grow the corporate banking customer base by recruiting new customers, and wallet sizing to the existing customers to attain high returns.
• Maintain an effective account relationship management resulting in optimization of customer satisfaction, retention and wallet share through selling multiple solutions from the entire bank’s product range.
• Work in close partnership with senior managers including of Group Head of Corporate Banking, Credit Risk Management, Trade Finance and Investment Banking to ensure that the credit requests for new and existing facilities are correctly prepared in accordance with bank policies.
• Liaise and provide leadership to my team including SRMs, RMs and PAs in areas of expertise, particularly in regards to provision of facilities to customers, customer recruitments and credit & financial analysis.
• Manages and maintain credit customer's portfolio of more than USD 250 million.
• Develop new customer relationships in order to extend credit facilities, develop trade initiatives, participation in secondary and primary market transactions with minimum associated risk.
• Managing onshore/offshore corporate accounts, high net worth individual accounts, covering MENA region, Turkey and part of Asia.
• Meets customers in order to enhance business opportunities and develop and maintain good customer relations.
• Identifies and monitors the Marketing & Sales of International products in order to provide right advice to corporate customers.
• Supervises accounts and identifies the credit needs in order to market credit facilities.
• Oversees, Obtains, assembles and analyses all information and financial statements of new clients in order to make a sound credit recommendation and to be able to effectively present and defend the recommendation in front of appropriate credit committee.
• Supervises and monitors existing credit facilities through preparing periodic progress report to ensure regular client visits/call reports, adequate and appropriate utilization and settlement. Any Misusage of facilities is followed up and corrective action is recommended.
• Develop and maintain strong working relations with all existing clients at key levels to optimize the utilization of approved facilities
• Plans credit portfolio to be checked, reviewed and presented for obtaining necessary approval.
• Coordinates in providing adequate and vital information about existing managed portfolio as well as the potential ones in order to assist in the preparation of the divisional business / marketing plans.
• Active in the primary and secondary market in line with the bank strategy and investment plan.
• Responsible for the achievement of budgeted revenue and profit while maintaining a low risk profile rating.
• Prepare credit facilities documentations i.e. loan agreements, confirmation letter, corporate guarantee, personal guarantee, promissory note, pledge forms etc.
• Manages and maintain credit customer's portfolio of more than USD150 million.
• Develop new customer relationships in order to extend credit facilities, develop trade initiatives, participation in secondary and primary market transactions with minimum associated risk.
• Managing onshore/offshore corporate accounts, high net worth individual accounts, covering MENA region,
• Meets customers in order to enhance business opportunities and develop and maintain good customer relations.
• Identifies and monitors the Marketing & Sales of International products in order to provide right advice to corporate customers.
• Supervises accounts and identifies the credit needs in order to market credit facilities.
• Oversees, Obtains, assembles and analyses all information and financial statements of new clients in order to make a sound credit recommendation and to be able to effectively present and defend the recommendation in front of appropriate credit committee.
• Supervises and monitors existing credit facilities through preparing periodic progress report to ensure regular client visits/call reports, adequate and appropriate utilization and settlement. Any Misusage of facilities is followed up and corrective action is recommended.
• Develop and maintain strong working relations with all existing clients at key levels to optimize the utilization of approved facilities
• Plans credit portfolio to be checked, reviewed and presented for obtaining necessary approval.
• Coordinates in providing adequate and vital information about existing managed portfolio as well as the potential ones in order to assist in the preparation of the divisional business / marketing plans.
• Active in the primary and secondary market in line with the bank strategy and investment plan.
• Responsible for the achievement of budgeted revenue and profit while maintaining a low risk profile rating.
• Prepare credit facilities documentations i.e. loan agreements, confirmation letter, corporate guarantee, personal guarantee, promissory note, pledge forms etc.
• • Extend facilities for corporate / small and medium size businesses.
• Prepare financial and credit analysis for existing and prospective clients.
• Prepare credit renewals; recommend amendments to ensure that assigned portfolios are in compliance with internal and regulatory requirements.
• Prepare credit studies and analyze client information by conducting a wide variety of financial analysis techniques, including ratio and trend analysis as well as the development of projections and detailed analysis of cash flows in addition to risk assessments to evaluate clients’ credit worthiness.
• Prepare and present loan recommendations to the credit committee, and monitor originated loans.
• Specialized in preparing credit studies for Syndicated Loans and Micro-Finance companies.
• Perform peer comparative studies on a variety of operational and financial indicators.
• Work closely with the Client Relationship Team and Senior Credit Officers on all aspects of structuring deals and associated risk issues.
• Develop models of credit information to predict patterns and trends using specialist statistical software.
• Advise and recommend changes to existing policies and procedures, and ensure that procedures comply with sector standards.
• All reporting in English.
• Extend facilities for corporate / small and medium size businesses.
• Prepare financial and credit analysis for existing and prospective clients.
• Prepare credit renewals; recommend amendments to ensure that assigned portfolios are in compliance with internal and regulatory requirements.
• Prepare credit studies and analyze client information by conducting a wide variety of financial analysis techniques, including ratio and trend analysis as well as the development of projections and detailed analysis of cash flows in addition to risk assessments to evaluate clients’ credit worthiness.
• Prepare and present loan recommendations to the credit committee, and monitor originated loans.
• Specialized in preparing credit studies for Syndicated Loans and Micro-Finance companies.
• Perform peer comparative studies on a variety of operational and financial indicators.
• Work closely with the Client Relationship Team and Senior Credit Officers on all aspects of structuring deals and associated risk issues.
• Develop models of credit information to predict patterns and trends using specialist statistical software.
• Advise and recommend changes to existing policies and procedures, and ensure that procedures comply with sector standards.
• All reporting in English.
•Extend loans for small and medium businesses (Finding potential clients and helping them to apply for loans, Gather personal and business information of clients, analyzing information in application by conducting financial analysis and risk assessment to evaluate clients credit worthiness, Preparing loan recommendations to the credit committee, Monitoring loans originated.
•Issue and processes letters of guarantee (L/Gs) and letters of credit (L/Cs) as a service to Corporate and SME client.
•Trained in several departments including: Account Services, Cheque Processing, Retail Loan Services, Money Transfer, Electronic Services, Card Services.
•Worked as promoter for several companies and brands (e.g. Mobilcom, Xpress, SonyEricsson )
•Helped in organizing events for several companies (e.g. Zad Catering Services plant grand opening, Xpress prepaid cards service launch)
•Obtained a Bachelor in Finance. The language of instruction was English. •GPA (3.11) •UEE(University Efficiency Exam) : 7th on Hashemite University. 42nd on all Jordanian Universities.