Experience

• 

  ALRajhi Bank Jordan

  • Jordan

  • Corporate Credit Director at Al Rajhi Bank

    • Oct 2023 - Present
    • Jordan

• 

  Bank Al Jazira

  • Jeddah, Makkah, Saudi Arabia

  • Regional Corporate Risk Head

    • Jul 2007 - Jul 2023
    • Jeddah, Makkah, Saudi Arabia

    •Regional Risk Head in Corporate banking, Private, Syndication and FI with relevant approving authority, also serve as Chief Risk Officer & Chief Credit Officer’s Back-up.•Encourage a robust due diligence process to be in place in the region evidenced by depth of financials analysis and well documented credit callings. Advising/Grooming the staff in writing Credit applications in compliance with the banks credit policy/procedures and in consideration of other relevant credits/market risk parameters. •Contributing to Rollout of Credit Programs, Credit Procedural Manuals and Credit related processes of Corporate Banking including Private Banking and Al Jazira Capital which involves development of new programs/products as well as refinement of existing ones to keep up with the ever-changing customer needs and vibrant market environment. •Also, ensuring that region operates within institutional standards for controls with acceptable audit and SAMA ratings. Monitoring that deviations from standards are properly surfaced to the Senior Management and corrective action plan is initiated. •Monitoring & supervising the credit portfolio in range of SR 30Bn consisting of a variety of exposures from different industries. •Member of the Regional Credit Committee with approving authority up to SR 450 million.•Managing a team of Credit Reviewers consisting of Credit officers, Manager and Senior Credit Managers.

• 

  Riyad Bank

  • Saudi Arabia

  • Assistant Credit Manager

    • Mar 2005 - 2007
    • Saudi Arabia

    Duties & Responsibilities:Review and recommend individual credits as per the Bank's strategy and guidelines which applications received from 3 credit centers in Saudi Arabia, London Branch and Houston Agency.

• 

  Arab Bank

  • Amman - Jordan

  • Senior Credit Officer-Team Leader

    • 1994 - 2005
    • Amman - Jordan

    Duties & Responsibilities:• Supervising a team of (4) credit officers managing a portfolio of JD 500MM (Local enterprises and in some cases their foreign subsidiaries) with the following duties:- Review and assess incoming credit applications.- Analyzing financial statements, reports and cash flows to support credit decisions.- Review credit facilities approved by branches in terms of limits, exposures and its alignment with Central Bank/Arab Bank’s regulations/policies.- Prepare periodical reports on the credit facilities portfolio in general and non-performing accounts specifically in an effort to restructure/revive credits troubled credits..• Assigned member of the executive Arab Bank committee to evaluate, review and assess the credit facilities portfolio of the “Jordan-Gulf” Bank prior to its possession (July-September/2003).• Review policies & instructions of Head Management concerning credit facilities on continuous basis and confirm alignment with Central Bank regulations.• Review legal documentation of approved credit facilities, collaterals and conditions prior to execution.• Monitor execution of credit facilities set for specific utilizations to detect any early signs of deterioration.• Assigned member in the Corporate Banking Division Committee that approves direct credit facilities up to JD 1.25MM.- Accounting and Financial Statements Lecturer, Training Dept. – Arab Bank plc, Amman- Jordan.