Corporate Credit Specialist
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PRM Designated and Experienced Corporate Credit Specialist with 16 years of extensive experience in Credit assessment, Financial statements and advanced Financial Ratio analysis working in a large multinational organization: American Express Middle East. Supervising a Team of Senior & Junior Credit Analysts to oversee an end-to-end Corporate Underwriting process, actively taking part in Portfolio Review of standing relationships & participating in numerous regulatory-related projects and initiatives. Serve as a key point of contact for internal stakeholders during internal audits and market review activities.
Leveraged expertise in underwriting global (MNC) corporations, providing valuable insights for credit assessment.
Corporate Credit Specialist at American Express Middle East (2012-01 – Present)
As a Corporate Credit Specialist in the "Corporate Credit Team" act as a Supervisor of a team of senior & junior credit Analysts and take a pivotal role in overseeing credit management and the end-to-end underwriting process of corporate relationships and credit facilities. Since joining the team in 2012, contributed to the initial creation of the Corporate Underwriting section. The section within the Risk Dept. is involved in the end-to end underwriting process which covers Credit assessment & financial statements analysis (via Moody's Credit Lens) beside KYC, Legalities & contractual requirements, ending with the Final Recommendation of credit line and facility type in a detailed credit memo submitted for Approvers.
During tenure, actively participated in various projects, including the migration of the company's main software and ensuring compliance with Bureau Reporting requirements mandated by Central Banks. One of the key contributions is being a deputy team leader in the absence of the team manager with credit Authority & delegation. This involves assuming full leadership responsibilities, ensuring continuation of team functionality and operations, and effectively managing the team's workflow.
Operating across the MENA region, have gained extensive knowledge of the legal frameworks and requirements for underwriting in each country. This expertise allows to effectively assess risks and make informed decisions in diverse operating environment.
New Accounts Analyst at American Express Middle East (2009-05 – 2011-12)
Worked as an Analyst in the New Accounts team responsible for the processing of New Consumer Accounts requests. Process is dependent on assessment of KYC / Legal Documents, Financial worthiness of the individual.
Professional Internship at United Bank Limited (2008-07 – 2008-09)
Part of the University study syllabus is a 2 months Internship in the same industry of Study, the Internship was working in the Front office of the Bank alongside Bank clerks & tellers.
Internship was given the task of the Periodic KYC update requirements for the Bank's branch where each registered customer was contacted & requested to submit fresh copies of Identification documents.
Bachelors of Science (BSc) in Banking & Finance – University of Bahrain (2009)
