MOHAMED KAMEL

• Review and authorize credit limits in system for all assigned segments after ensuring all terms and conditions stipulated in the Credit Approval as precedent to disbursement of limits have been duly complied with and all securities and required documents have been obtained prior to releasing limits.
• Scrutinize facility documentation & related securities for Wholesale bank, SME & syndication & FI
• Oversee/Review preparation of FOL, credit facility and security documentation and ensure all terms and conditions as per the approved CA have been incorporated.
• Representing the Credit Administration Department in participate in User testing for various system enhancements/changes related to Credit Administration functions amongst different assigned projects.
• Coordinate with the technology team regarding any developments related to the regulatory reporting (CBRB & AECB)starting from the participate in UAT till the deployment.
• Ensure timely update of all systems with credit related information such as Risk rating, Expiry dates and Collateral details in addition to covenants monitoring process.
• Assist the line manager in timely implementation of recommendations from Credit Review / Audit Department.
• Provide the best support to business partners and maintain turnaround time as per SLAs for handling credit control related functions.
• Review and report Excess over limits in a timely manner.
• Provide assistance to the Manager in formulating and implementing SOP's for the department.

• MIS
• (Achievement: Enhance the data management process related to Central bank and AECB frequent MIS reports using the BI solutions to automate the MIS report generation process)
• In addition to the new enhancement that requested recently by UAE Central Bank that we are working on with further technical development with external vendor support
• Timely monitoring and updating Credit Administration periodical MIS reports related to credit control and risk management
• Preparation of Central bank BRF reports and CBRB updates (Facilities and Securities details in addition to classification and provision updates)
• Maintaining the related MIS reports / updates related to
• AECB (Credit Data, Income Data and returned Cheques &
• DDA), handling the related data corrections when it's required
• Handling the related client's queries regarding the regulatory updates (AECB & CBRB)
• Handling the frequent changes requested by Central Bank and AECB at the data management process level and conducting the related system enhancements
• TRAINING & COURSES
• Project Management
• Credit Appraisal Methods
• Data Consolidation &
• Analysis Using Excel
• Consumer Protection
• Standards
• Managing Multiple Task
• Priorities & Deadlines
• Personal Branding
• Introduction to Banking
• Operations and Products
• Coaching and Mentoring
• Credit Control
• (Achievement: Enhancing the New limit Module under the
• Global Limit structure after applying the required testing process)
• Review the credit approval and prepare the related disbursement instruction in order to release the credit limit line and ensure securities and collateral are in line with the credit approval requirements
• Review the facility documentation in line with the related approvals and asking the clarification required from
• Legal, Sharia and Credit department once it's needed
• Feeding the credit limit line in the system after thorough scrutiny of terms & conditions
• Processing the construction payments (PPC) related the financed projects after ensure the compliance of all the related approved condition
• Monitor the customers' utilization of facilities including the syndicated & bilateral facility to ensure that the draw downs are in compliance with the approved terms and condition
• Timely Report any irregularity to the CAD management
• Ensure adherence with the bank's lending policies and procedures, providing guidance when necessary, and making recommendations for enhancements as needed
• Perform other duties and projects as required by management
• Documentation Review
• Supporting the Documentation unit (As a part of the
• Internal Backup Plan & Department set up)
• Review the financing facility documentation, obtain legal input, monitor the valuation of securities, and ensure that all approval terms are in compliance with the Bank's policies, exercise adequate post-disbursement credit controls and review customers' utilization of facilities
• Scrutinizing loan applications for Retail, Syndication and
• Clubbed deals
• Preparing, reviewing, circulating documentation deficiency (expired / deferred documents) reports and following up for its timely submission / renewal
• Responsible to ensure that all the exceptions / covenants are reported to the senior management through Monthly
• Exception Report and to maintain a close follow up in line with the bank's policy.

• Achievement: Creating the sales performance dashboardwith the related score cards to show the sales targetachievements process)
• Tracking in daily basis the assets and liabilitiesachievements with defining the related figures to achievethe target
• Maintaining All the periodically reports that related to theconsumer banking department
• Performed user acceptance testing (UAT) to ensurereports operated effectively
• Assist all business units to get the required businessfigures & analysis for business planning and budgetingpurposes
• Developed Excel models & dashboard in the division.