Experience

United Arab Bank

• United Arab Emirates
• Banking
• 400 - 500 Employee

• Head of Credit Administration-Corporate/Commercial/Investment/ Real Estate

  • Aug 2021 - Present



Emirates Islamic

• Banking
• 700 & Above Employee

• Head of Credit Administration – Corporate/Commercial/Investment/Real Estate

  • Oct 2013 - Aug 2021

  • Report to CRO, lead CAU for Corporate, Commercial and Investment Banking • Heading Credit Administration Unit - documentation, preparation, MIS, security review, safe custody management, limits & controls and MIS reporting for internal/external bodies • Responsibility of smooth functioning of the Credit Administration Department under the frame work of Credit and Risk Management. • Responsibility of liaison with cross teams on development and upgrading of process and integration of automation of process with controls. • Heading the credit admin unit in joint forums with Business, Credit risk underwriting, Legal, Policy, Internal audit and Trade Finance teams. • Mentoring a team comprising mid level managers and executives totaling 22 staff. • Key review of replies to External Audit reports (Central Bank/ Sharia/ External auditor) and internal Audit observations related to Credit Administrations • Provides leadership on implementation of Islamic FINACLE core banking system. Show less



Barclays

• United Kingdom
• Financial Services
• 700 & Above Employee

• AVP, Corporate Risk Control Unit, Credit Administration

  • Jun 2007 - Oct 2013

  Limits Management: Loading of general banking limits for Corporate and SME clients. Monitoring of medium term and syndication loans, reviewing and authorizing instructions prepared by the terms as per the agreement and advice for rollovers and drawdown instructions to Operations. Ensure submission of accurate data to Central Bank Risk Bureau on monthly basis MIS reporting for relevant stakeholders. Co-lead implementation of FLEXCUBE core banking systems Periodic review of processes and procedures related to credit admin In charge of the monitoring and control unit in absence of the VP. Facility Documentation Management: Preparing facility documentation. Checking of executed facility documentation and borrowing powers to ensure all post-sanction fulfilment are completed before authorizing for limits loading. Custodian and safekeeping of all facility and security documentation for SME and Corporate clients. Monitoring and Control Management: Submission and monitoring of all excess, past due reports, post sanction monitoring of covenants, etc Show less



Rak Bank ME

• Banking
• 100 - 200 Employee

• Credit Operations Officer, Corporate & SME Banking

  • Feb 2005 - May 2007

  Supervising the preparation of facility letters & security documentation as per approval terms. Responsible as the custodian of security documentation for housekeeping. Reporting and monitoring of timely deficiencies and deferral reports. System maintenance of loan facilities as per approval terms. Responsible for loan disbursement, monitoring of all past dues and excesses of loan instalments on regular basis. Responsible for sending monthly reminders for expired insurance policies, vehicle mortgages and vehicle insurance, reviewing existing security documents and replacing them where applicable. Handling of Projects related to SME & CBD Operations Reviewing of operating procedures and checklists for SME Operations, raise system change requests as and when required to upgrade the system data. Show less



NTB Bank

• Colombo, Western, Sri Lanka

• Assistant Branch Manager, Operations Executive

  • Sep 1998 - Feb 2005

  Branch Operations, Credits, Cash Management and Customer Service. Branch Operations, Credits, Cash Management and Customer Service.