Please turn on your javascript Mohammad Naji - Risk Manager - Ijarah Finance Company - Riyadh, Saudi Arabia

Summary

• Knowledge & familiarity with lending framework and credit & marketing to/of both SMEs & retail segment, deep understanding of various types of banking products , and different types of securities for credit facilities & its complicated classifications
• Conducting of “Know Your Customer-KYC” principle, and performing of “Customer Due Diligence-CDD” measures
• To establish and monitor policies and procedures that will help the company meet its sales and risk management goals
• Monitoring and evaluating active accounts to reduce or prevent bad debt losses
• To identify and monitor key risks & sub-risks such as credit risk, market risk, capital adequacy, liquidity risk, operational & compliance risk
• Knowledge and familiarity with Basel Accords (Basel I, II, III) which provide recommendations on banking regulations in regards to capital risk, market risk and operational risk
• To Set appropriate procedures for the identification, assessment, management and monitoring of risk through policies, exposures & limits, operational guidelines as well as methodologies and tools for risk measuring, monitoring and reporting
• Participating in the preparation of credit-granting policy based on the risk appetite which the lender is able to assumes and/or to which the lender is exposed to
• Preparing of Credit Report / Profile for the credit applicants into SMEs segment
• Evaluate counterparty credit risk based on analysis of both quantitative & qualitative factors, performing fundamental credit analysis in order to recommend credit limits and assign appropriate credit ratings
• Assess counterparty exposure and evaluate transactional risks associated with lending
• Preparing written counterparty periodic reviews/credit proposals for submission and presentation to senior management, providing recommendations on appropriate lending limits and drawing conclusions related to credit assessment and risk tolerance
• Analysis & Management of Assets Finance Portfolio

Experience

Company Logo
Risk Manager
Ijarah Finance Company
Apr 2016 - Present | Riyadh, Saudi Arabia

• Preparing of Quarterly Risk Reports based on Risk-based Profile as required by SAMA including key risks and sub-risks
• To give valuable information about applicant’s credit worthiness based on horizontal & vertical analysis of the audited financial statements (Balance Sheet, Income Statement, Cash flow Statement etc.) relevant to credit applicant, along with industry analysis in which the organization conducts the business, their position within the industry, quality of the management and elements of transaction structure such are contracts. Key objective of financial statement analysis include assessing decisions such as whether to invest in the company\'s securities or recommend them to investors, and whether to extend trade or bank credit to the company. Analysts use financial statement data to evaluate past performance and current financial position of a company in order to form opinions about the company\'s ability to earn profits and generate cash flow in the future.
• Compliance & Anti-Money Laundering in view of risk-based approach
• Oracle’s ERP system & Seibel CRM software
• Business Research, Analysis & Development
• Business model and business flow chart
• Knowledge & familiarity with lending framework and credit & marketing to/of both SMEs & retail segment, deep understanding of various types of banking products , and different types of securities for credit facilities & its complicated classifications
• Conducting of “Know Your Customer-KYC” principle, and performing of “Customer Due Diligence-CDD” measures
• To establish and monitor policies and procedures that will help the company meet its sales and risk management goals
• Monitoring and evaluating active accounts to reduce or prevent bad debt losses
• To identify and monitor key risks & sub-risks such as credit risk, market risk, capital adequacy, liquidity risk, operational & compliance risk
• Knowledge and familiarity with Basel Accords (Basel I, II, III)

Company Logo
Assistant Manager - Risk Management
Saudi ORIX Leasing Company
Jun 2007 - Mar 2016 | Riyadh, Saudi Arabia

• Knowledge & familiarity with lending framework and credit & marketing to/of both SMEs & retail segment, deep understanding of various types of banking products , and different types of securities for credit facilities & its complicated classifications
• Conducting of “Know Your Customer-KYC” principle, and performing of “Customer Due Diligence-CDD” measures
• To establish and monitor policies and procedures that will help the company meet its sales and risk management goals
• Monitoring and evaluating active accounts to reduce or prevent bad debt losses
• To identify and monitor key risks & sub-risks such as credit risk, market risk, capital adequacy, liquidity risk, operational & compliance risk
• Knowledge and familiarity with Basel Accords (Basel I, II, III) which provide recommendations on banking regulations in regards to capital risk, market risk and operational risk
• To Set appropriate procedures for the identification, assessment, management and monitoring of risk through policies, exposures & limits, operational guidelines as well as methodologies and tools for risk measuring, monitoring and reporting
• Participating in the preparation of credit-granting policy based on the risk appetite which the lender is able to assumes and/or to which the lender is exposed to
• Preparing of Credit Report / Profile for the credit applicants into SMEs segment
• Evaluate counterparty credit risk based on analysis of both quantitative & qualitative factors, performing fundamental credit analysis in order to recommend credit limits and assign appropriate credit ratings
• Assess counterparty exposure and evaluate transactional risks associated with lending
• Preparing written counterparty periodic reviews/credit proposals for submission and presentation to senior management, providing recommendations on appropriate lending limits and drawing conclusions related to credit assessment and risk tolerance
• Analysis & Management of Assets Finance Portfolio

Education

Misr University for Science and Technology
Bachelor, Bachelors, Bachelors in Business Administration, ‎
Finance & Investment
CGPA 2.8/4
2006

Skills

Expert Ability to work with no supervision
Expert Analytical Skills
Expert Fast Learner
Expert Gynecology Consultancy
Expert HCWM
Expert Highly Detail Oriented
Expert Multi-tasked
Expert Quality Control Processes Command

Languages

Expert English
Expert Arabic