Summary
Overview
Work History
Education
Skills
Certification
Languages
Additional Information
Timeline
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Mohammed Shanaah

Mohammed Shanaah

Abu Dhabi,

Summary

Driven professional with more than 21 years of experience in financial operations and strategic planning with ability to effectively monitor financial performance and provide sound financial guidance to executive teams. Skilled in developing budgets and financial forecasts, as well as overseeing financial reporting and accounts payable/receivable. Possesses excellent problem-solving, communication, and leadership skills.
As a Senior Credit Manager at ADIB, I head the retail underwriting team and oversee the credit management process for the bank's Islamic finance products with a CIB certification and a bachelor's degree in business administration.
I have successfully implemented departmental changes that improved the efficiency, profitability, and risk management of the bank. I have also been participated in the development and launch of new Islamic finance products based on modern technology and process automation that have increased market share and customer satisfaction such as DTS & STP.
I have a proven track record and extensive experience in credit analysis, collection and recovery, complaint resolution and team management and development. I am passionate about delivering high-quality service and adhering to compliance standards. I enjoy working under pressure and welcome new challenges in the banking industry.

Overview

21
21
years of professional experience
1
1
Certification

Work History

Senior Credit Manager

Abu Dhabi Islamic Bank
01.2008 - Current
  • Managing 4 teams; Home Finance, Personal Finance, Auto Finance & Credit Cards Finance total subordinate 8 team leaders & 34 credit analysts
  • Oversee the credit approval process, as well as monitoring systems for all current and future credit products
  • Liaise with Credit Risk and Business teams on ensuring credit best practices & appropriate credit governance
  • Examine credit files on a regular basis for assurance of credit and collateral documentation, regulatory compliance and finance policy conformance; review technical exceptions and deficiencies
  • Ensure that finance documentation, systems and procedures are consistent with the highest standards in the industry and are appropriate for all regulatory requirements
  • Ensures that all analytic credit risk policies are re-validated, according to the Islamic Sharia, bank's policy and CB regulations
  • Maintain a keen awareness of competitor's activities, their credit practices, and of overall industry best practices
  • Maintaining effective retail credit risk policies and lending standards
  • Providing senior management with effective oversight of the retail lending portfolio trends, risks and mitigates via annual oversight reviews
  • Enhancing and developing the monthly portfolio analysis providing effective oversight for the executive leadership and senior management teams
  • Maintaining and developing retail credit risk's target operating model and associated processes and procedures, including driving increased levels automation in credit risk processes to improve customer journeys and efficiency
  • Participate in preparing and maintenance of credit risk policies and procedures for all financing activities for consumer finance and automation of credit risk management and credit administration process/ control and MIS reports
  • Working with all business units to improve efficiency and profitability
  • Demonstrate managerial skills by leading the assigned teams toward achieving goals set by management in terms of meeting performance targets & error rates as measured by scorecard
  • Follow up on the performance for retail credit teams and provide guidance with clearing bottlenecks in processes & streamlining workflows
  • Collect data from a variety of sources; utilize technical to manage data and efficiency conduct analysis
  • Rolling out monthly productivity reports for various products to policy as well as tracking of capacity and individual performances
  • Conducting sample check of the approved/declined cases on periodic basis to find out if there are any errors
  • Supervision of audit rectification & compliance thereof
  • Rectifying audit objections rise by auditors and to adopt measures to avoid such exceptions in future
  • Handles complaints (from other departments or customers) and ensures reply within TAT
  • Participate in meetings with business heads to discuss current portfolio tracking and business observations
  • Developed and implemented credit policies and procedures to reduce risk and improve customer service
  • Identified areas where processes could be improved upon in order to increase efficiency within the department
  • Reviewed customer disputes promptly and determined appropriate resolutions that satisfied both parties involved
  • Actively participated in meetings with upper management concerning strategy decisions related to managing portfolios more effectively
  • Conducted periodic reviews of existing accounts to ensure compliance with established policies and procedures
  • Responded quickly and efficiently to inquiries from customers regarding their current line of credits or pending applications
  • Managed a team of staff members responsible for processing new applications, conducting credit checks, and approving or denying requests for credit
  • Implemented automated systems designed to improve efficiency within the credit department
  • Extended credit to customers within designated limit of authority, approving credit inquiries
  • Utilized data analysis techniques to uncover patterns in customer behavior that could be used to optimize credit management processes
  • Completed performance reviews and appraisals to develop direct reports
  • Arranging weekly teams meetings, focusing on increase the team knowledge and skills
  • Interacts with other departments to insure effective communication to improve turnaround time (Branches, DSU, Quality assurance and Call Center)
  • Ensure regular feedback to the unit head and shares future plans or current achievement
  • Works with the unit head on the development and modification of strategies for new processes to improve efficiency, and Introduces ways to eliminate redundant activities
  • Provide guidance and motivation to all team members, continuously evaluating productivity and implementing new processes to improve efficiency and service
  • Support development of colleagues through effective motivation and training, to ensure that business, team and individual objectives are met.

Senior Credit Analyst

Citibank
04.2005 - 12.2007
  • Analyze Small Business credit applications by reviewing financial capacity, business profile, industry position, repayment capability, collateral adequacy, account conduct etc
  • Ensure credit facilities have been properly structured, pricing and collateral is adequate and there isn't any violation of internal or external regulations/policies
  • Analysis and interpretation of financial statements to determine risk for an applicant to ensure avoidance of fraud by effective scrutiny of various decision supportive documents
  • Evaluate credit proposals (new, renewals, permanent, amendments, cancellations, etc.) received from business units directly or processed by other team members in the unit using specific credit guidelines within existing policy framework and understanding of the market, industry, economic factors, financial statements, etc
  • And prepare credit review notes thereof
  • Verify and analyze credit information, documentation like MOA, POA, TL, financials, etc
  • Provided by RMs/Customers, and seek clarification, if needed from other internal departments of bank, liaise with RM for queries, additional information/documents, business recommendations for deviations, if needed
  • Analyze requests for changes in documentation or standard terms and advise business units with respect to managing of difficult accounts and monitor their progress
  • Conducting Field Visit to the company premises to provide information on the activities of the company & completing the report satisfactorily if the Business qualitatively from what is seen in the premises, through neighborhood checking and general feel of the activity.

Collection Officer

Standard Chartered Bank
07.2002 - 03.2005
  • Follow up with default customers as per targets assigned by coordination manager for early regulation
  • Communicated with customers regarding account status, payment plans, and other issues related to collections
  • Handled incoming calls from customers inquiring about their account balances or payment status
  • Assisted customers with disputes over billing errors or incorrect charges on their accounts
  • Produced daily, monthly and yearly detailed reports summarizing total collections measured against planned goals, and ensured good follow-up plans
  • Maintenance and update of diary/collection module for follow up of delinquent accounts
  • Developed strategies for resolving delinquent accounts in a timely manner
  • Negotiated repayment terms with debtors and monitored payments accordingly
  • Advised customers of necessary actions and strategies for debt repayment
  • Recommend remedial arrangements i.e
  • Deferment, rescheduling, additional security to coordination manager
  • Traced delinquent customers to new addresses by inquiring at post offices & telephone companies
  • Assisted with the preparation of documents for court proceedings related to collection activities
  • Performed bank reconciliations for assigned accounts on a monthly basis
  • Coordinating the visits to the customers by guiding the field visitor to preferable location
  • Meeting employers to resolve delinquency issues with employees if necessary
  • Follow up on shortfall after end of service benefit received and write off accounts
  • File repossession, civil, travel banned & criminal cases as instructed by collection manager
  • Skip tracing the customer by locating the customer inside or outside the country
  • Initiated legal action when necessary to recover outstanding debts from non-paying customers
  • Directly interaction with the Lawyers and continuously follow up the daily status of cases pending or hearing in the court.

Education

Bachelor of Business Administration -

Yarmouk University
Jordan
06.2001

Skills

  • Team Building & Leadership
  • Strategic Planning
  • Mentoring and Training
  • Projects Implementation
  • Programs Governance
  • Performance Improvement
  • Motivational Techniques
  • Credit Evaluation
  • Financial Data Analyzation
  • Fraud Understanding

Certification

CIB (Certified Islamic Banker)

SHAPE Knowledge Services

Languages

Arabic
Bilingual or Proficient (C2)
English
Advanced (C1)

Additional Information

  • Date of Birth: 30thof June, 1979.
  • Nationality: Jordanian.
  • Marital Status: Married.
  • Number of Children: Two.

Timeline

Senior Credit Manager

Abu Dhabi Islamic Bank
01.2008 - Current

Senior Credit Analyst

Citibank
04.2005 - 12.2007

Collection Officer

Standard Chartered Bank
07.2002 - 03.2005

Bachelor of Business Administration -

Yarmouk University

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Mohammed Shanaah