Experience

EALB Bank Jo
• Jordan
• Retail Office Equipment
• 1 - 100 Employee
• Head of sme's

  • Apr 2019 - Present


Capital Bank of Jordan

• Banking
• 700 & Above Employee

• Head Of Credit

  • Oct 2012 - Apr 2019

  Oct.2017 - Oct.2018 Capital Bank of Jordan ( Head of SMEs Credit ) • Defining the Credit strategy, for the SMEs business .Reviewing and approving credit policies. • Monitoring the portfolio performance in terms of new/existing customers & accounts’ balances, product usage &health credit performance and profitability • Develop credit monitoring models and management discipline including KPI’s. • Enhance credit approvals ,process turnaround time & Risk management system • Managing a team of credit underwriters. • Conducting a proper financial analysis for all applications submitted for approval • Approving all SMEs credit application based on deep review of the clients application and ensure client credit worthiness. • Monitor collection teams productivity. • Monitor delinquency and bucket Movements. • Following up on Provisions and recoveries management. • Implementing bank regulations and cbjrequirements. • Enhance the banks revenue and achieve its desire market share in the SME business. • Monitor & analyze the market developments & the competitions actions • Develop and modify program features based on market changes &customers’ needs on regular basis • Credit Committee Member for the SME and commercial lending 2012- Oct. 2017 Capital Bank of Jordan ( SMEs Team leader ) • To grow new-to-bank business as well as manage existing relationships to continually grow the profitability of the business. To manage a team of RMs towards achieving this goal. • Enhance the banks revenue and achieve its desire market share in the SME business. • Focusing on maximizing value of each client ,based on business needs and service preferences • To ensure SME customers get a superior level of service from all channels of interaction : branches, ATMs, Phone Banking, Internet Banking • To achieve the annual growth targets set by the bank strategy in terms of balance sheet growth for assets, liabilities, revenue growth and managing the business NFI ,NII and NPL,s Show less



Bank of Jordan

• Jordan
• Banking
• 700 & Above Employee

• Manager Corporate Banking

  • Aug 2010 - Jun 2012

  • Prepares and submits a strategic vision and an action plan for business development on both sides: the assets and liabilities with the aim of increasing the Bank’s market share, and proceeds to acquire necessary approvals • Prepares the Assets and Liabilities budget for Corporate Banking team and oversees the development in performance to identify any deviation from budgeted figures and to take the necessary measures accordingly. • Coordinates with the Risk Department to draft the bank’s credit policy which sets a framework for bank’s credit department that is in line with the bank’s overall strategy. • Oversees relationships with clients and ensures that clients’ needs are duly satisfied by the bank’s range of products and services so as to ensure the maintenance of a high quality of service and high customer satisfaction. • Meets with perspective clients to understand their business needs, and proceeds to acquire the necessary approvals to provide clients with the products and services requested in order to increase the bank’s market share. • Builds a strategy to attract customers and ensure a steady growth in the bank’s portfolio. • Manage and monitor the performance of branch Managers. • Conduct reasonable risk analysis to ensure that risk is within the bank’s acceptable level • Handles customer account plans, products, and sales plans, Show less



blom bank

• Banking
• 1 - 100 Employee

• Head Of Corporate Banking

  • Oct 2009 - Aug 2010

  • Develop strategy and plans to optimize revenuesand economic profits across a full range of products. • Provide key inputs into competitor analysis and develop strategy for Corporate Banking business growth for the dept. • Plan and execute aggressive customer calling program in the region to generate new business and enhance profile in target business segment. • Handling customer account plans, products, and sales plans, operating platforms and resource plans for the dept. • Develop expertise relating to sectors according to changing industry and sector needs within my team. • Finalize the team's business plans for the expansion of business opportunities in strategic target areas. • Monitor risk and ensure that the Bank's relationship strategy is in line with the Portfolio and Industry quality. • Maintain senior level customer contacts through a structured calling program and acting as a link between the external entities and the bank. • Closer relationship with existing bank customers and develop an integrated program to visit them in their workplaces to extend the bonds of trust, and access to the activities of work to make sure its ability to meet its obligations • Review customer visit reports and the credit report and the financial analysis after the (corporate credit officer). • Submit the final recommendation of the Department to the credit committee. • Follow-up the initial approvals with the credit risk department and ensure to complete as soon as conditions required. • Follow-up the renewal of accounts periodically. • Expansion of the bank's customer base through cross-selling. • Cooperation with the credit risk manager in case of early danger signs on the status of the financial position of any customer. • Overseeing the performance of employees and their accuracy in implementing the tasks assigned to them. Show less



Bank-al-Etihad

• Jordan
• Banking
• 700 & Above Employee

• Account Relationship Manager

  • Jun 2002 - Sep 2009

  Head Corporate Credit – Risk Dept (2008 – 2009) Responsibilities: • Financial Analysis. • Credit Review. • Credit approval authority up to a certain limit. • Credit Committee member (substitute). Account Relationship Manager /Corporate Credit Dept (2002 – 2008) Responsibilities: • Provide financial advice to prominent corporate clients. • Risk and financial analysis. • Marketing and attracting corporate clients. • Follow up on clients’ financial positions. • Present credit applications to the Credit committee and to the Board of Directors. • Act as a mediator between high management & clients. • Facilities portfolio management Show less



Arab Investment Bank

• Banking
• 200 - 300 Employee

• Credit Officer

  • May 2000 - Aug 2002

  • Interfacing with bank clients. (Corporate & retail) • Providing in-depth credit evaluation of corporate and personal loan applications, and preparing credit proposal to the credit committee. • Analyzing financial and cash flow, including interpretation and computation of various financial ratios. • Carrying out feasibility studies, risk and return break-even analysis. • Carrying out cash flow projection, using spreadsheet techniques. • Vetting the first draft of all credit legal documentation Show less