Raid Odeh Email & Phone Number

Sharjah Emirate, United Arab Emirates

• Ensure the perfectness of all securities/ prepared transaction documents & ensure that they comply with Credit approval terms & Legal/ Sharia’a guidelines.• Ensure to meet the TAT as per the agreed SLA’s with Business groups.• Ensure that Bank’s operational risk framework including key control standards are compiled at all times.• Address any deficiencies brought out in the audit process for early rectification & ensure non recurrence of such lapses in future.• Examine & make recommendations concerning any irregularities to ensure satisfactory audit ratings.• Ensure professional communications & relationship are maintained with all concerned parties & contribute to offer quality services & deliver the services within the agreed times.• Participating in adopting a new technology & conduct system tests to ensure an effective & efficient system adoption.• Guide/ motivate & supervise the staff to ensure the completion of the work as per the quality standards & prioritization.• Enhance product knowledge & awareness by getting all staff trained on the product policies/ campaigns.• Involved in the integration process from harmonization of documentations, process alignment and system migration.• Responsible to review end to end processes to identify any potential enhancement to the existing systems and coordinate with integration team and IT department to implement such enhancements.• Generate, review and maintain disbursement reports for presentation to credit committee and provide summary reports for the same in accordance to the credit policies/ guidelines.• Provide training sessions and in job training to new joiners and business associates on the newly developed processes and documentation for smooth operations.• Review the current departmental structure and recommends the required changes in order to re-allocate the staffing resources to reach the ideal setup.

Ajman Emirate, United Arab Emirates

• Ensuring day to day activities are running smoothly within the department.• Identifying any shortfalls or elements of risk within the policy are highlighted & escalated up to closure.• Monitoring the portfolio to ensure policy is sound with all aspects accounted for & attain satisfactory audit rating accordingly.• Monitor risks & market trend to suggest changes/ amendments in policies whenever required to minimize risk to the minimum.• Adherence to bank’s policies , Central bank regulations, Sharia’a guidelines & incorporating professional risk assessment while approving or recommending credit proposals.• Critically review of retail credit applications for both secured & non-secured products for salaried individuals & self-employed segments within the TAT & with an acceptable error rate along with highlighting all the exceptions to be approved as per the delegation matrix & making recommendation to applications in line with bank’s policy, industry knowledge & experience with ensuring that rejection by credit control committee are kept to the minimum along with maintaining a good balance between returns & risks exposure.• Oversee the credit policies implementation, development & enhancement of credit process.• Play key role in developing SOP’s, SLA’s, PPG’s & processes for the department.• Emphasize the importance of due diligence while processing & raise the awareness to eliminate the risk occurs.• Leads a team of credit approvers to ensure high standard credit quality of the portfolio by using various credit assessment tools.• Engages the development, implementation, review & monitoring of various credit programs & providing training & coaching to continuously upgrade the competency of the team members.• Analyze work flow of all activities & recommend process improvement to ensure productive & efficient operating methods are in place.

Sharjah Emirate, United Arab Emirates

• Perform an accurate credit analysis & related requests for credit cards, auto finance, personal finance, & home finance for salaried individuals, self-employed segments & sole property/ LLC companies forwarded to retail credit department along with ensuring compliance with product parameters, credit policy & in accordance with Sharia'a guidelines.• Credit evaluation for commercial financing with strict adherence to bank’s credit policy.• Assist team leaders to structure the credit lines which meet the bank's financing criteria as well customer's needs. • Scrutinizing of documents & ensuring accuracy & authenticity. • Handle correspondence & liaison with sales/branches related to any clarification/queries on incomplete finance applications.• Handle the routine credit proposals & to reach a high level / standard of consistent good quality of under writing risk free credit decision, ensuring turnaround time is met.• Conduct accurate credit decisions by checking the approval authenticities of the received proposals to protect the bank’s assets minimize risks & reduce losses as well, in a way ensuring that all retail credit applications are processed & decision within discretionary powers.• Ensure customer’s total exposure is within the maximum cap & maintain a good quality of analysis process ensuring timely handling for all the received proposals at retail credit are as per the agreed service level agreements. • Establish the credit worthiness of limited liability companies with special emphasis on past borrowing relationship with the bank, capacity to borrow further, repayment capability, financial ratio analysis, & business profile of company, security analysis & credit worthiness reports. • Communicating major deficiencies & policy violation to Team leader / Manager / Unit head.• To ensure daily productivity targets are met.

Abu Dhabi Emirate, United Arab Emirates

• Matching physical/original documents with the approval scanned copies.• Update the credit approvals into MIS with keeping a proper filling details & process status.• Ensuring completion of post approvals activities from preparation of offer letter, checklist, business communication, scrutinizing documentation & disbursement of the facility.• End to end the credit collateral/documentation requirements are in place. • Ensuring compliance to credit approval, that all terms & conditions requested by credit are fully met.• Maintaining systems, setting up limits, limit linking to the related accounts & creation of collaterals. • Ensure data integrity, obtain documents & do perfection.• Providing all post disbursal services of products such as liability letter, facility settlement, etc…& ensuring quality within TAT.• Interact with department colleagues & initiate process improvements.• Ensure verification of all transactions & completeness of sources documents & related supporting documents.• Open loan accounts& posting financial & non-financial.• Prepare, assess & recommend credit cards applications.• Custodian of branch vaults & collateral securities.• Prepare daily banks reconciliation & daily journal vouchers.• IPO shares administrator.