SUMMARY:

• An astute and result - oriented professional with strong technology-centric and credit risk management skills with 16+ years of extensive experience in identifying, measuring, monitoring and managing all financial and operating risks within the Investments Group.
• Review & assess credit reports submitted by the business lines based on respective policies, procedures and approved authority matrix.
• Capable of understanding and adhering to policies, procedures & standards throughout the organization as well as ensuring the corporate vision for risk compliance at all times.
• Strong Experience of reviewing legal agreements, co-coordinating with lawyers where necessary and providing feedback on any major risk / liability the bank may be exposed to.
• Proven abilities in managing the implementation, execution and delivery of credit strategy and debut restructuring proposals across portfolio.
• Talent for proactively reviewing and approving credit application (Conventional & Islamic), memorandum and credit worthiness of existing and new potential Small & Medium (SME) Enterprise customers & large corporate, identifying & resolving customer problems, ramping up activities with on time deliverables and maximizing efficiency.
• Possess strong analytical, communication and organizational skills with the ability to analyze business practices and define and document optimal procedures and/or practices.

PROFESSIONAL EXPERIENCE:

Confidential

Senior Credit Risk Officer

Responsibilities:

• Reviewed and approved Credit Application, Memorandum and credit worthiness of existing and new potential Small & Medium Enterprise customers & large corporate (Conventional & Islamic).
• Work closely with all the business units' teams for a long term goals & objectives.
• Periodically review Credit Policy to ensure consistency with large Corporate Banking business strategy and SME.
• Support in the development and implementation of the Bank’s policy framework and the underlying risk policies and frameworks, identifying and sharing best practice within the team and across the Bank to support continuous improvement in policy development.
• Planning, designing and implementing an overall risk management process for the organization .
• Manage the process of identifying and assessing the risks affecting the business.
• Perform detailed financial analysis on companies, including trend and ratio analysis, and interpret the financial information.
• Expertise in Early Warnings system.
• Analyze credit data to determine the degree of risk involved in extending credit. Make decisions to approve or deny the extension of credit within set credit authority established by senior management.
• Managed the implementation, execution and delivery of credit strategy and debut restructuring proposals across portfolio.
• Lead the development and review of the group’s credit policy of the parent bank and the group.
• Formulated robust credit strategies to minimize impairment.
• Developed and maintained profitable relationships with customers & executives of large corporate houses.
• Developed & refined new processes and procedures in relation to special Asset Management.
• Ensured adequate compliance risk coverage in all the policies and procedures of the Bank.
• Reviewed legal agreements, co-ordinate with lawyers where necessary and provided feedback on any major risk / liability the bank may be exposed to.
• Analyzed financial data such as income growth, quality of management, and market share to determine and forecast expected profitability of loans.
• Evaluated customer records and recommended payment plans based on earnings, savings data, payment history, and purchase activity.
• Analyzed Portfolio Data & provided updates on the performance of each portfolio investment with accurate portfolio management information on a regular basis for the banks investors.
• Pro-actively participated in achieving the objectives of the credit risk department, including the corporate reconstruction of distressed portfolios.

Confidential

Responsibilities:

• Managed the credit relationship for a portfolio of clients from start to finish, including client selection; underwriting; structuring; accurate and timely risk rating; documentation and the ongoing monitoring of these risks. Was directly responsible for big customers such as AlMoayed Group of Companies & Kanoo Travel, who own several businesses, properties, car showrooms, travel agencies, hotels etc. Managed total credit of USD 150 million
• Managed a USD 100 million office credit portfolio and supervised a staff of two financial specialists, working directly with the Credit Risk Manager to identity and support new business opportunities, assist the credit risk committee with assessments of officer credit requests, analysis and authorization of mortgages, credit cards, home equity loans and auto loans.
• Identified loan applications with high credit risk, such as personal loans where the security is salary transfer. Approved / rejected these on case-to-case basis, thus making / saving the bank millions of BHD in interest / capital.
• Identified loan applications with medium credit risk, such as auto loans where the bank can take possession of the car, if customer defaults and, mortgage loans, where the security is title deed of the property.
• Identified and approved / rejected huge SME corporate loans on the basis of various criteria such as pre-approved by the bank, age of corporate, health of financial statement, black-listed / white-listed with other banks, etc.
• Established excellent working relationships with business partners in the banks affiliates in Kuwait, Qatar, Oman, Egypt, UK, Iraq and Libya, thus extending & helping customers having a presence in these countries to avail similar facilities there.

Confidential

Trainer

Responsibilities:

• Trained staff in various branches of the bank, on effective ways in dealing with customers; creating competitions and games with prizes to entice customers to purchase loans, and for overall brand recall.
• Trained staff to review and prepare loan applications prepares reports, analyze and assess the credit risk rating of SME’s and checking-in the security given by clients to the bank, correctly into the bank's software system.
• Created E-learning programs for staff on various retail sales strategies. This helped in maximizing revenue potential, identifying growth opportunities, and improving customer retention.
• Trained staff in understanding the technical aspects of money laundering policies.
• Trained staff in utilizing exceptional visual merchandising skills to create enticing displays, customer-focused floor plans, and innovative marketing materials.
• Trained a total of 40 new staff in several technical and sales strategies skills as outlined above.
• Targeted and achieved a level of 30% of Qatari customers for several personal loans.

Confidential

Senior Supervisor

Responsibilities:

• Recruited & trained customer service representatives.
• Managed the needs/ requirements of high revenue commercial accounts (SME) through extensive follow-up procedures.
• Performed market research surveys amongst client base to seek feedback on sales techniques, follow-up methods and quality of after-sales service.
• Improved customer service based on client feedback, through the development of new policies and procedures. Successfully handled all public relations issues.
• Supervised a staff of 5 people within the customer service department.
• Successfully retained a record 96% of accounts.
• Successfully opened approximately & Savings accounts.
• Issued approximately 780 credit cards. Was awarded the Star Seller Certificate for sales of 110 cards for the month of October 2005, signed by the head of retail and Deputy Group CEO.
• Disbursed approximately 800 loans, fixed deposits and saving certificates.