George Mathew

· Plan and execute Control Testing that includes RCSA and KRI for all units within Retail & Commercial Credit and Remedial Risk Management + SARD.

· Supervision of BIA/BCP of Retail & Commercial Credit and Remedial Risk Management including SARD (Special Asset Restructuring Dept.)

· CB reporting on Quarterly basis having statistics on incidents including trends and action taken by the bank

· Conduct control testing within agreed parameters and apply controls to monitor compliance and assess unit operational effectiveness, record, track and monitor observations to drive closure of outstanding risks.

· Produce business focused risk and control MIS and data to engage and inform the unit managers and the unit.

· Conduct assurance and due diligence reviews and ‘challenge’ sessions for risk assessments to ensure the ongoing quality of the Units Risk posture.

· Monitor and report the threshold breaches related to KRI (Key Risk Indicators) in the system and solicit the justification from respective units on the breaches.

· Adhere to all relevant organizational and departmental policies, processes, standard operating procedures and instructions so that work is carried out to the required standard and in a consistent manner while delivering the required standard of service to customers and stakeholders.

· Initiate document workflow processes and ensure unit departments following agreed quality documentation standards.

· Ensure all operational losses are evaluated and correctly reported on a monthly basis by the testing team and compile all test results and update the same on the bank’s system and management dashboard.

• Credit Policy and Processes:

· Responsible for credit policies and procedures of the assets products portfolio.

· Accountable for implementation and timely roll out of updated policies and procedures to the credit and business units of the bank

· Overlook franchise partners to facilitate credit and sales processes

· Manage the listing and delisting activity of over organizations for the bank’s approved list

• Portfolio Analysis & Market Study:

· Analyze portfolios along asset products and customer segments on all key risk parameters and assist business and policy managers to take appropriate decision to ensure effective loss containment and to explore areas of opportunity to maximize portfolio and profitability growth

· Monitor the policy and report the breaches in a timely manner for appropriate management action

· Prepare portfolio presentation and dashboard for the management review

· Conduct market study of sectors, industry and economy and publish the study reports showing how it relates to the portfolio and affects the performance. Dwell upon the areas of risk and opportunities in the market to bring appropriate changes in the policy and processes

· Research and generate information based on internal and ad hoc assessment of the portfolio and market away from regular and standard portfolio tracking to identify patterns in the portfolio and suggest changes in product proposition and credit parameters to best mobilize the events surrounding the market and business environment

• Continuous Improvement and Process Efficiency:

· Identify improvement opportunities in product proposition and credit processes taking in to account best practices and standards in the business environment

• Constant Feedback:

· Establish and maintain a constant feedback mechanism between business, credit and policy units on material observations in TTD and portfolio trends that is instrumental in calibrating processes and policies for better risk management. Guide credit analyst for better grasp of policy and processes and also conduct regular trainings for channel, credit and lending services.

· Liaise with collections and support them in regularizing salary transfer and assignment for all loan account where salary transfer has stopped and loan servicing is done through cash deposits.

· Ensure the CDMS data base has complete information about all the listed companies as per credit policy criteria and to handle all queries regarding CDMS issues based on fresh company listing and existing companies.

· Conduct the re-listing and de-listing activity in line with laid down credit policy and process and monitor the inflow of CDMS review request from sales and initiation on daily basis and recommend listing/delisting companies to the policy manager after complete analysis.

· Co-ordinate the day to day activities and liaise with field visit officers on company field visits assigned. To ensure that the turnaround time is adhered to with respect to all CDMS request.

· Coordinate with sales and initiate timely update of companies and provide clarifications and support.

· Obtain specialist information’s on a regular basis from other departments like Compliance, Fraud & Risk Management, Recovery & Collection and Corporate banking and ensure all criteria are met before enrolling a company in CDMS as per ADCB policy.

· Assist the policy manager in special projects as and when advised and drive the same to completion.

· Initiate special visit in the event of suspected fraud, in-genuine documents, and inconsistent information or any other discrepancy observed.

· Update MIS for company tracking on daily basis and to ensure field visit report are properly filed.

· Correspondence with Engagement Partners and Relationship Associates for completing end to end valuation of clients assigned.

· Preparation of information checklist for initial screening of information accuracy and availability.

· Input and analysis of clients’ financial statements and capitalization details.

· Screening and selection of comparable companies and transactions to those of the client’s company.

· Preparation of call notes for the management call with the client to gauge necessary information for completing the valuation.

· Preparation of the Draft Opinion outlining the findings and conclusions of the analysis for the client.

· Proof reading of final draft opinions sent to the client.

· First level review of Valuation models and Draft Opinions.

· Meet United National Bank (Client) customers to obtain company financial strength and company background.