Experience

• 

  United Arab Bank

  • Sharjah

  • Senior Manager Corporate Credit Risk

    • Feb 2013 - Present
    • Sharjah

    - Prepare Credit Risk Assessment Summary for Board Credit Committee.- Conduct thorough due diligence of corporate credit proposal including large Bilateral facilities, Club/Syndication deals, Project Financing, Investment Financing, Real Estate Financing, Term & Trade Financing etc.- Delegated authority to approval specific transactions within sanctioned ceilings. - Participate in periodic risk review meeting to suggest credit risk rating in view of account conduct and financial parameters.- Assist in restructuring credit lines for problematic credits.- Assist in assessment of credit risks on business unit level as well as on portfolio basis.- To follow-up with business units on to ensure compliance with approval terms.

• 

  Invest Bank P.S.C UAE

  • Sharjah

  • Senior Credit/Relationship Officer

    • Aug 2007 - Dec 2012
    • Sharjah

    - Managing a set of assigned portfolio; Corporate and HNWI accounts.- Preparing credit proposals / one-off requests / annual reviews for onward submission to Credit Committee and ensuring credit packages are on schedule. (Including Analysis of Financial Statements / spreading – Ratio Analysis, Cash flow etc.).- Monitoring accounts for regularization of EOL / TOD; monitoring TR / loan involvement due dates regularly and coordinating with Branch Manager to ensure accounts are adequately funded.- Maintaining project monitoring cards for contracting accounts and following-up on timely submission of PPCs.- Monitoring and ensuring that all credit approvals are in compliance with bank's internal policies and regulatory guidelines.- Providing clarifications and response to queries relating to any credit proposals belonging to the assigned areas and sanctioning authority.- Developing staff capabilities through on-the-job counselling and other training; preparing effective back-up resources within the team.

• 

  M/s. Sampath Bank P.L.C– SRI LANKA

  • Colombo

  • Senior Credit Officer

    • Aug 1997 - Jun 2007
    • Colombo

    - Preparing credit proposals / one-off requests / annual reviews for onward submission to Head Office.- Completion of Security Documentation and Disbursement of credit facilities.- Carrying out various checks and audits to make sure that the proposals, security documentation, loan disbursements, recoveries etc are in line with the requirements of the credit manual & procedures of the Bank.- Handling of recoveries and debt recovery procedures.- Supervisory aspects in the capacity of officer as well as Assistant Manager & Manager including auditing of all above functional areas to comply with the laid down procedures & guidelines of the Bank.- Followed up the procedures adopted by the team is in line with the Audit requirements.- Monitoring of the daily operations at the branch / General Ledger / Trial Balance to check any variances.- KYC compliance and educating the team on AML guidelines. - Achieving the targets set by the Head Office under Balance Score Card such as ROA, Asset Growth, Other Income, Customer Profitability, customer service etc.