Experience

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  SME Bank

  • Riyadh, Saudi Arabia

  • Executive Advisor to the CEO

    • Jan 2024 - Present
    • Riyadh, Saudi Arabia

• 

  Bank of America Merrill Lynch

  • Phoenix, Arizona

  • Vice President, U.S. Centralized SME Credit Delivery Center

    • Sep 2017 - Jan 2024
    • Phoenix, Arizona

    SME & Mid-Corporates Credit Risk

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  Citi

  • Greater Salt Lake City Area

  • Vice President - Senior Manager, SME & Mid-Corporates Underwriting

    • Feb 2016 - Sep 2017
    • Greater Salt Lake City Area

    SME & Mid-Corporates Credit Risk

• 

  Commercial Bank of Qatar

  • Doha, Qatar

  • Head of SME Credit & Policy

    • Jan 2012 - Jun 2015
    • Doha, Qatar

    Full ownership of SME loan underwriting, credit policy, credit programs, loan recommendations & portfolio management. Exercise a personal lending discretion and departmental managerial responsibilities.

• 

  SunTrust Bank

  • Orlando, Florida

  • Vice President, SME & Mid-Corporates Credit Risk Underwriting

    • Jan 2008 - Dec 2011
    • Orlando, Florida

    Commercial credit risk and portfolio management responsibilities with a personal lending discretion.

• 

  Brooke Credit Corporation

  • Overland Park, Kansas - USA

  • Director of SME Credit Underwriting, Vice President

    • Nov 2005 - Dec 2007
    • Overland Park, Kansas - USA

    Full ownership of SME credit risk & underwriting functions. Exercised a delegated lending authority.

• 

  Standard Chartered Bank

  • Karachi, Pakistan

  • Vice President - Head of Product Development, SME Banking

    • Aug 2004 - Oct 2005
    • Karachi, Pakistan

    Developed and launched SME Banking, the first of its kind in Pakistan, under a program-based lending approach.

• 

  Imperial Capital Bank

  • Phoenix, Arizona - USA

  • Sr. Commercial Loan Underwriter, AVP

    • Jul 2001 - Jun 2004
    • Phoenix, Arizona - USA

    Underwrote commercial credit proposals and managed loan portfolio of real estate mortgages, equipment installment loans and short term working capital lines of credit for small business clients.

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  Bay View Capital Bank

  • Greenwich, Connecticut - USA

  • Senior Portfolio Analyst

    • Aug 1996 - Jul 2001
    • Greenwich, Connecticut - USA

    Managed commercial real estate and equipment loan portfolio and tested for breaches in covenants, conditions, character and cash flow capacity. Performed remedial underwriting by restructuring watch list accounts.