Mohammed Bassam Email & Phone Number

Credit Risk Audit across multiple product lines spanning: Corporate, FIs, Business Banking, Retail, CAD, Remedial, Takaful, ICAAP and IFRS 9. Covering Credit and operation Risk aspects for Credit Audit Universe

Abu Dhabi - Al Bahar Tower

Credit & Market Risk Audit- Internal Audit GroupProvide independent, objective assurance and consulting activity to review and oversight the financial integrity of the Bank’s Wholesale Credit portfolio and soundness of the credit quality and process.Ensure to cover all areas in audit universe within the audit cycle (Corporate portfolio, Structured finance, Financial Institution, Treasury and Investment, SME financing, Real Estate lending, Remedial & Watch-listed accounts, Retail portfolio, IFRS 9 and ICAAP & Basel III).Affirm and challenge the assigned risk rating to assets in the Bank’s portfolio. Validate the accuracy and completeness of credit grading accompanied with detailed rationaleContribute to the development of the annual Credit Audit Plan and identify activities for audit coverage, evaluate their significance and assess the degree of risk and necessary audit coverage to mitigate the risk.Detailed examination of individual portfolio segments at customer and portfolio levels and assessing soundness of credit decision making and adherence to approved policies and procedures.Provide assurance as to Credit quality of the bank’s risk assets and effective functioning of the Credit Process.Ensuring that all activities are carried out in accordance with the rules & guidelines set out in Internal Audit Charter and in such a manner that is consistent with the Standards for the Professional Practice of Internal Auditing and with the professional standards of conduct as per the code of Ethics of IIA

Dubai

§ Approving Corporate Credit Applications up to the designated limit & being active member of Credit Risk Committee.§ Conduct due diligence of corporate applications proposals against the established criteria set by the Credit & Risk Management Group to ensure high standards of credit quality.§ Approves / recommends breach memos generated by Early Warning System. § Review generated MIS to ensure bank’s overall credit risk exposure is maintained at prudent levels and consistent with the available Cap limit and generating necessary reports.§ Assist in the development and providing recommendations on appropriate credit solutions to SVP- Credit Risk as per the client requirements.§ Ensure all credit applications/ proposals are approved by authorized credit approvers holding adequate credit authority discretion; make certain that all required approvals/ ratification of Management/ Executive Committee are obtained.§ Provide guidance to Relationship Manager with regard to appropriateness and suitability assessment of financing products and structuring of the proposed facilities.§ Conduct due diligence of credit applications proposals against the established criteria set by the Credit & Risk Management Group to ensure high standards of credit quality§ Execute periodic post-fact credit risk reviews to identify and monitor troublesome accounts through early warning signals and alert management. Interact with relationship areas to instigate remedial actions.§ Moody’s Risk Analytics (MRA) - assist on issues related to internal rating process and analysis. Review MRA inputs and approve/ amend the proposed rating.§ Ensure the identification and rectification of discrepancies / deficiencies in security documentation for all facilities which have been disbursed and approval from relevant authorities is held for deferral / waiver of incomplete documents.

Noor Islamic Bank, a division of Noor Investment Group. Launched in January 2008, Noor Islamic Bank offers a comprehensive range of banking services to its clients, including Consumer, Corporate and Investment Banking. Key member of the Credit Risk Management team for Corporate, SME and Wealth Management division. Report directly to Head of Wholesale Credit Risk§ Comprehensive analysis and review of Corporate credit proposals and preparing the decision-oriented Risk Recommendation Summary that ensured that all critical aspects of credit are addressed.§ Proactively identify problem assets, escalating irregularities and early warning signals to high authorities.§ Adheres to credit policies and works closely to the delegated credit authority.§ Assess the obligors’ financial statement, cash flow, industry, competitive analysis and projections.§ Prepare MIS Package for adequate Portfolio Management and criteria's for target market / under writing standards.§ Prepare reports for Executive Committee on due diligence, credit analysis, discrepancies/ deficiencies of security documents, etc.§ Engage with Remedial Department in settlement negotiations, remedial actions/ way out to minimize potential losses and provisions calculation.§ Prepare & submit Classified Credit Review (CCR) proposals to the Credit Committee.§ Active member in the UAT team that assess and test the new Credit risk rating and scoring system.§ Support the SVP- Corporate Credit Risk in handling various ad-hoc assignments/ tasks and special assignments requested by the Chief Credit Officer.§ Proactive assessment of all cases is a continuation process along with the annual renewal proposals.

Approve Credit Applications up-to the designated limit of AED 10 Million (Joint signature)§ Analyzing credit applications for Corporate, Financial Institution and Wealth Management clients to assess their credit worthiness§ Recognizes industry developments, threats, changes in technology and market risk issues and makes appropriate recommendations to Credit committee§ Adhering with Credit Administration department to make sure that the credit terms and conditions and documentation are completed§ Review and analyze applications for Margin Trading while ensuring compliance to laid down policies and procedures§ Ensuring that all the approvals were in compliance with the bank policy and Central bank regulations§ To perform stress test on customer-wise and portfolio-wise basis§ Ensure external regulatory guidelines and Group Credit & Risk policies are met in all credit applications/ proposals

§ Preparing proposals for corporate clients based on proper analysis of their financial statements and points of strengths, weaknesses and protection§ Meeting prospective clients and discuss their requirement of banking facilities & discuss the suitable facilities structure and payment source§ Conduct lessons learned exercise and communicate the results to top management, RMs and credit managers§ Ensuring proper documentation has been obtained from the clients in compliance with bank policy& procedures§ Ensuring that head office approvals and instructions are met and it is in compliance with central bank regulations§ Ensure the identification and rectification of discrepancies / deficiencies in security documentation for all facilities and follow up with obligors for missing documentation§ Preparing the Watchlist memo, classification meme and Provision and Interest Suspense calculation§ Liaising with different department such as CAD, compliance, Legal ,Remedial and Operation

Bachelor Of Science In Business Administration- Finance & Accounting, Finance And Accounting - Gpa 3.15 Scale Of 4

American University of Sharjah (AUS) – (AACSB & MSCHE Accredited) https://www.aus.edu/accreditation AUS has been accredited in the United.

Certified Public Accountant Cpa Usa- Certificate Num 6761 Nh, Accounting And Finance, Cpa

Activities and Societies: Certified Public Accountantfrom AICPA https://www.aicpa.org/ https://www.linkedin.com/company/aicpa/

Master Of Business Administration (Mba), Accounting And Finance, 3.89 Out Of 4

AACSB Accredited https://ud.ac.ae/about-ud/accreditions University of Dubai degree programs have been accredited by the Ministry.

Certified Management Accountant -Institute Of Management Accountants - Cma, Accounting And Financial Management - Https://Www.Linkedin.Com/Company/Ima-Institute-Of-Management-A

Activities and Societies: Board member " Treasurer" of IMA Dubai- UAE Chapterhttps://www.imanet.org CMA® (Certified Management Accountant).

Cfe, Certified Fraud Examiner (Cfe)., Cfe

Activities and Societies: Certified Fraud Examiner (CFE) https://www.linkedin.com/company/acfe/www.acfe.com

Aicwa Certification, Cost And Works Accountants

https://icmai.in

Scientific Stream: Average 97.2%