AHMAD EMAD ALMADADHA
amman,jordan
Summary
Driven professional with keen ability to analyse financial data and assess credit risk. Proficient in managing client relationships and implementing credit policies. Committed to enhancing financial stability and fostering responsible lending practices.
Overview
12
12
years of professional experience
2015
2015
years of post-secondary education
1
1
Certification
Work history
Senior Credit Officer in loan guarantee department
JORDAN LOAN GURRANTEE CORPORATION
09.2021 - 11.2024
- Administratively and technically supervises the guarantee work for small companies, individuals and real estate under the reference of the director of the loan guarantee Department
- Manages the portfolio of small companies, individuals and real estate to ensure the achievement of the company's goals
- distributes the work in a way that ensures the flow of work in accordance with the nature of the business and the relationship with customers
- Built strong relationships with clients for improved customer loyalty.
- Sets work plans taking into account the development of a quarterly, monthly and weekly plan to ensure the achievement of the Department's annual work plan and the company's strategic plans
- Works on following up agreements and undertakings with third parties and taking into account the application of their terms
- Establishes policies and procedures, reviews them and develops these policies in accordance with the developments of warranty processes
- Contributes to the development and updating of instructions, powers and work procedures constantly and in accordance with the latest developments and follow-up the safety of their use
- Determines the credit risk for each credit transaction offered to the company and supervises the bases and controls that help to select a good credit portfolio and the bases for monitoring it
- responsible for auditing and passing transactions so that their conditions and arrangements are in accordance with the applicable instructions and powers
- The status of the size of the total ceilings is determined with the program participants
- Follows up the banks limit or customer limit in line with the company's future plan and follow up the calculation of guarantee fees and their collection
- Researches and proposes new guarantee programs for the development of the company's work
- Periodically conducts seminars and workshops to disseminate warranty programs
- Studies the proposals of new services that the company provides and develops the necessary studies to establish appropriate controls for them
- Develops garanntee programs to stimulate the company's business and supervise its marketing
- Prepares a marketing plan to visit the company's clients and supervise its implementation
- Reviews the reports received from banks or from the company's clients, auditing and reviewing them, in order to ensure the preservation of the integrity of the company's guaranteed portfolio
- establishes a program to follow up various processes, including ongoing ones
- Follows up, implements and monitors the work of each program in accordance with the policies manual, work procedures, instructions and powers of the program and what the job and initiative require to complete the work of the program with high efficiency such as (query, setting ceilings, studying credit operations, setting fees and following up on their fulfillment, classification and tabulation of credit portfolios and building an archiving system to help in easy reference to transactions ..Etc.)
- Follows up and monitors the work assigned to the tasks and duties of employees and according to the job description of each job
- Organizes, tabulates, maintains files, and maintains the safety of their use
- builds work teams from within the Department's staff that are able to accomplish the tasks assigned to them and achieve the goals related to the Department's objectives in accordance with the annual and strategic plan
- respond to the loan received by the participating entities within the agreed period and in accordance with the guarantee agreements signed with these entities
- Conducts field visits to banks and clients
- Performs any other work required by the nature of the work and job or is assigned to it by the direct administrator and management
Credit Officer
JORDAN ISLAMIC BANK
01.2017 - 09.2021
- Study financing applications from all over the banks' branches
- Doing the needed analysis to determine participate in the credit committee to discuss financing applications approval
- Worked in the credit risk management department and was in charge of reviewing financing applications during the daily committee meeting
Credit Officer
JORDAN KUWAIT BANK
08.2015 - 01.2017
- In charge of receiving and analyzing Credit cards, Mortgage and Personal loans in order to make the appropriate decision based on a rational and financial analysis along with the bank policy
- Preparing daily, monthly and annual reports related to the retail department achievements
IT System Administrator
UNION GROUP
06.2012 - 06.2013
- Looking over the ERP system (CCTV, Servers and Automobile tracking GPS) as a system administrator, and taking charge of the coordination of day to day work flow
Education
MASTER’S DEGREE - INFORMATION TECHNOLOGY MANAGEMENT
University Of Sunderland
BACHELOR’S DEGREE - INFORMATION TECHNOLOGY MANAGEMENT
University Of Jordan
Skills
- Teamwork
- Communication
- Analyzing
- Credit scoring techniques
- Knowledge of lending practices
- Risk assessment proficiency
- Corporate finance knowledge
- Banking software operation
- Underwriting procedures familiarity
- Financial statement interpretation
- Negotiation mastery
- Credit control proficiency
- Loan appraisal
- Ethical judgement
- Proposal evaluation expertise
- Economic trend analysis
- Experience with moody's analytics
- Credit analysis expertise
- Relationship Management
- Financial Forecasting
Languages
Arabic
Native
English
Advanced
Custom
- Specialized professional diploma program in bank credit 'credit officer' (at IBS)
- Specialized professional diploma program in 'Financial analysis' (at IBS)
- Practical examples in credit field (at IBS)
- Solar systems financing (at IBS)
- Anti-money laundering workshop
- Various training courses at JIB and JKB
Personal Information
Date of birth: 08/18/89
Certification
•Specialized professional diploma program in bank credit “ credit officer” (at IBS)
•Specialized professional diploma program in “Financial analysis” (at IBS)
•Practical examples in credit field (at IBS)
•Solar systems financing (at IBS)
•Anti-money laundry workshop
And various training courses at JIB and JK
Timeline
Senior Credit Officer in loan guarantee department
JORDAN LOAN GURRANTEE CORPORATION
09.2021 - 11.2024
Credit Officer
JORDAN ISLAMIC BANK
01.2017 - 09.2021
Credit Officer
JORDAN KUWAIT BANK
08.2015 - 01.2017
IT System Administrator
UNION GROUP
06.2012 - 06.2013
BACHELOR’S DEGREE - INFORMATION TECHNOLOGY MANAGEMENT
University Of Jordan
MASTER’S DEGREE - INFORMATION TECHNOLOGY MANAGEMENT
University Of Sunderland
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