Magdy Saad Ahmed

HEAD FOR RISK & CREDITFull Time

• Job Details:Strategic: • Monitor market trends and apply insight to credit policy and credit appetite • The Custodian of the H.O/Branch’s credit policy and procedures • Develop the overall credit capability through people, information and technology • Support new product development through taking leading role on credit risk assessment • Actively engage in designing of credit risk policy framework and grading methodology. • Design and implement credit application workflow methodology. Operational: • Ensure all credit applications comply with internal policies, procedures and processes • Work closely with business development, the branch manager to develop a pro active approach to doing business • Visit customers from time to time and prepare reports • Execute credit analysis and sanctioning within appropriate business timescales • Co-sanction credit applications within delegated authority levels • Maintain liaison with SIMAH • Review credit related returns and reports. Monitor and identify significant customer risks, deviations of management control from acceptable credit standards and ensure appropriate action is taken • Ensure compliance with local directives and KSA anti-money laundering practices • Add value to deal structuring (pricing, product, purpose, risk mitigation, etc.) • Ensure quality of the credit asset portfolio by analytical credit assessment and acceptable risk criteria • Identify trends in credit quality and develop suitable action plans • Analyze credit portfolio to identify undue concentration of risk (i.e. industry, geographic) and develop appropriate action plans • Proactively work with the UAE credit team to transfer “best practices” to ensure efficiency in risk management • Review delinquent loan portfolio in conjunction with the Head of Collections. • Advise on external and general business conditions to business units on macro environmental factors likely to affect credit quality • Develops appropriate credit / lending strategies