Experience

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  ABC Bank Group

  • Amman, Jordan

  • Chief Executive Officer'S Assistant

    • Aug 2009 - Present
    • Amman, Jordan

    Working for Bank ABC / Jordan / with an official title of (AVP). Main branch manager for ABC with a main strategic goal to increase revenue and widen customer base, increase branch liabilities and assets within the Bank criteria and values, also to focus in both existing and potential customers and to make sure that each member of the team is delivering what is expected of them to meet the Branch set objectives, goals and ongoing self-development. KEY Responsibilities / Challenges Making sure that key control standard is implemented and risk indicators are in place in order to meet the audit and compliance requirements and reduce the risk of possible potential lost due to defaulted account. Insure that the banks products and services are marketed by direct or cross selling to achieve the branches goals and increase customer base. •Sets a time frame to Provide professional customer service to achieve a high percentage of customer satisfaction

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  Housing Bank

  • Irbid, Jordan

  • Credit Center Manager

    • Sep 2007 - Jul 2009
    • Irbid, Jordan

    With more than 12 credit officers, 3 team leaders RM, and a supervisor, the credit center managed a portfolio worth over JOD 150M. in direct facilities and over JOD 400 M. in indirect facilities with a customer base that holds more than 450 customers that represent all sectors .My main focus were to Insure quality of lending remains strong while supporting growth and profitability and to maintain the delinquency rates at appropriate levels despite the increase in lending portfolio, and to provide lending guidance to staff, and to make sure that they possess sufficient lending experience in order to grow the asset, liability book while focusing on achieving the set business goals and targets. Main duties and responsibilities were to develop a business plan for the center in line with the overall objectives of the dept. and its sets targets, in full coordination with other department while continuous follow up on its implementation to achieve the set goals, and to maintain best in class customer service standard and tracking system to measure achievements, team spirit and values to increase the loyalty standards, creativity ,and awareness on performing the daily activities in which it all reflect on delivering a competitive service . KEY Responsibilities / Challenges: Relationship Manager Manage the credit committee in terms of compliance with its limits for all types of facilities in terms of not exceeding the limits for both direct (USD 200K) and indirect facilities (USD400K). Provide feedback and input to top management with respect to new products, credit policies review and approve exceptional credit application based on the approved authority matrix.To proactively identify deteriorating risk at an early stage and initiate and recommend action to minimize credit losses and to review and improve collection and recovery procedures and optimize the cost of effective recovery of over due payments and provisions.

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  Bank Audi

  • Irbid, Jordan

  • Branch Manager

    • Aug 2005 - Sep 2007
    • Irbid, Jordan

    Working for Audi Bank (Audi Saradar Group) as a Branch Manager. Managing a new established branch for BAJO with a main strategic goal to MAX profit and MIN cost, also to build up the branch liabilities and assets with an accepted margin of risk, and to make sure that each member of my team (18 people) is delivering what is expected of them to meet the Branch set objectives and target. Also some of my main duties is to make sure that the key control standard are implemented and key risk indicators are in place, keeping in mind zero tolerance in the money laundry policy and legal compliances of the group.KEY Responsibilities / Challenges : Sales • Achieve the Targets set in terms of product mix.• Achieve the top line & bottom line targets.• Achieve `best in class` productivity in order to maximize the efficacy of the sales process.• Achieve the budgeted cross sell targets.• Aggressive Sales call plans to acquire large prospective customers through referrals.

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  Standard Chartered Bank

  • Amman, Jordan

  • Branch Sales and Services Manager

    • Jul 2002 - Aug 2005
    • Amman, Jordan

    Working for Standard Chartered Bank, as a BSSM (Branch Sales and Services Manager with main strategic goal to achieve the Targets set in terms of product mix for liabilities and assets (funded & none funded), secured and unsecured lending and to identify opportunities for attracting new business and new customer relationship for corporate and retail department in order to maximize profit and minimize cost.KEY Responsibilities / Challenges :• Create new business to achieve defined sales targets within the standard level agreement and live the values of the Bank.• Build and deepen relationships with existing Customers to increase revenues and build a relation ship bases on trust.• Sets a time frame to Provide professional customer service to achieve a high percentage of customer satisfaction.• Ensure ongoing self-development.• Manage the key performance indicators at the highest level. • To manage the sales team to achieve the Targets set in terms of product mix.• Achieve the top line & bottom line targets.

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  Jordan Kuwait Bank

  • Amman, Jordan

  • Relationship Manager

    • Mar 2000 - Jul 2002
    • Amman, Jordan

    Working for the Jordan Kuwaiti Bank (R.M.) credit department. Main task were to manage corporate account and maintain excellent relationship with customers by understanding there financial needs and expectation in order to meet it while complying with the bank credit policies and procedures, keeping in mind the key risk indicators and control standards to maximize our profit .Preparing and analyzing the credit application taking in to consideration the SWOT analyses of the internal and the task environment of the segment of our customer is a very essential and it could be a very efficient tools that enable the credit committee to make the right decision, so it would be based on facts and associated risk, rather than assumptions and associated forecast. Also Gathering internal and external information about the applicant and analyzing the financial data such as the financial statement, cash flow, risk, profitability, collateral, in which it would be very important criteria to evaluate the application and to make reliable recommendation in which its terms and conditions should be comprehensive and applicable. Other duties I use to be responsible for; to follow up with branch’s on the over drawn and due accounts, reevaluating and grading them, rescheduling payments and making reports to the top management about appropriate market segments in which we should expand at, or exit from according to the associated risk and international market impact.

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  Jordan Ahli Bank

  • Amman, Jordan

  • Assistant Manager in Commercial & Retail Credit Department

    • May 1998 - Mar 2000
    • Amman, Jordan

    Main duties were to authorize the commercial, secured and unsecured lending that exceed the limits of the branch's credit committees ,in terms of risk level, return and expected relation benefits , and in terms of business and market competitiveness and its sensitivity to assist marketing and branch’s in setting parameters for new commercial product and segments to attract potential customers, and to generate new business by studding the corporate profiles in terms of financial stability and employee turn over to empower new markets and be the leaders to obtain the beigest share possible specially for profitable product( such as credit card ) that generate not only good revenue but also sets data base that we can use for cross selling other products such as personal loans and housing.One more thing is to keep track of the default companies or sectors to update our credit parameters and criteria to maintain a low profile of core accounts or bad debits which it had huge impact on our profitability at the bottom line.