Moenes Omar Email and Phone Number

Setup of the Mortgage finance sector and establishment of all required departments (sales, credit, legal, investigation, collection … etc)Business Development: Played a lead role in Developing Mortgage products in the key markets catering to the identified target segments with continuous coordination with the zone heads, Branch Managers. Provide proactive assistance and guidance to the branches in developing and producing marketing campaigns, documentations and other materials to support and enhance the business momentum. Develop Product profitability and customer profitability profiles in close coordination with branches and ensure smooth implementation of such concepts. Periodically review the portfolios in the units to assess and monitor the performance against predefined goals/parameters including profitability and Risk measurement indicators. Lead in assigned projects and in preparation of the annual financial budget/targets for the individual business units along with plans for implementation of business development initiatives/projects with time scale and resources. Review and assess the processes adopted in the units adhere to acceptable level of quality and standardization and are in compliance with the local regulatory aspects as well as with the bank’s approved policies. Maintain good profile and effective communication both internally and externally at all times.Risk/Credit Risk: • Develop mortgage credit policy, manage the credit approval process and ensure that the customer applications are processed within the agreed product policy and TAT. Up to date knowledge of the industry, CBE and mortgage authority guidelines and banking practices pertaining to this area. Business and deadline oriented with center of attention on quality of customer portfolio / optimization of delinquency rates, adherence to TAT, adherence to standards and audit findings. Understand the problem areas and make decisions fast to correct them.

The principal responsibility is to manage the credit approval process for credit card / Retail loan and ensure that the customer applications are processed within the agreed product policy and TAT. Excellent knowledge of credit card / retail loans business. Up to date knowledge of the industry, CBE and mortgage authority guidelines and banking practices pertaining to this area. Business and deadline oriented with center of attention on quality of customer portfolio / optimization of delinquency rates, adherence to TAT, adherence to standards and audit findings. Understand the problem areas and make decisions fast to correct them. Responsible for: •Approving credit card / retail loan applications within the approved product policy. •Credit quality of the customer portfolio and for ensuring that delinquencies are within the acceptable level. •Providing periodic updates / MIS on the applications processed. •Suggest corrective actions if required in the product policy, in depth involvement for structuring the retail credit policy with the retail GM, Chief Risk Officer and bank’s senior management.Collaborated in development of Unsecured CC, Cash Loan and Mortgage loans productsManaged a team of 12

• Setup of the credit department including processing underwriting, servicing and collection.• Supervising underwriting process of all mortgage credit files for different products both for salaried and self employed.• Ensuring correct documentation for different kinds of files and products.• Supervising verification and investigation process with CBE and outsource suppliers. • Suggesting enhancements and amendments to credit and risk policies according to practice findings.• Ensuring compliance with credit & risk policies and procedures.• Ensuring all files is processed within the prescribed TAT (Turn around Time).• Follow-up on the insurance requirements of each file.• Participate in the company’s IT system selection.Presentation of credit files to management above delegated powers.

• Supervising underwriting process of all retail credit file for different products offered by BNP (PL, CC, Consumer Loans) and giving approvals to branches.• Ensuring correct documentation for different kinds of files and products.• Supervising verification and investigation process with CBE and outsource suppliers. • Suggesting enhancements and amendments to credit and risk policies according to practice findings.• Ensuring compliance with credit & risk policies and procedures.• Ensuring all files are processed within the prescribed TAT (Turn around Time) within set SLA between Retail Banking and Branches.• Presentation of credit files to management above delegated powers.• Follow-up with branches to complete missing documentation on files.• Supervising a team of 8 people.