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
2021.09 - 2024.11
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
2017.01 - 2021.09
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
2015.08 - 2017.01
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
2012.06 - 2013.06
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
2021.09 - 2024.11
Credit Officer
JORDAN ISLAMIC BANK
2017.01 - 2021.09
Credit Officer
JORDAN KUWAIT BANK
2015.08 - 2017.01
IT System Administrator
UNION GROUP
2012.06 - 2013.06
BACHELOR’S DEGREE - INFORMATION TECHNOLOGY MANAGEMENT
University Of Jordan
MASTER’S DEGREE - INFORMATION TECHNOLOGY MANAGEMENT
<ul>
<li>Spearhead the management and oversight of the National Bio and Agro-Defense Facility (NBAF) project, a pivotal national asset developed in partnership with the U.S</li>
<li>Department of Agriculture (USDA) and the U.S</li>
<li>Department of Homeland Security (DHS)</li>
<li>Collaborate with USDA and DHS stakeholders to ensure a seamless transition of operations and mission capabilities from the aging Plum Island Animal Disease Center (PIADC) to NBAF, ensuring uninterrupted research, diagnostics, and training essential to national security</li>
<li>Lead the operational endurance phase, validating work processes and laboratory setups to guarantee compliance with the highest safety and biocontainment standards, particularly in biosafety level-4 (BSL-4) environments</li>
<li>Act as the hiring manager, conducting interviews and selecting high-quality employees to ensure the success of both DCA and NBAF</li>
<li>Serve as a subject matter expert pert for the payroll system Paychex, overseeing and approving payroll for 63 officers biweekly while managing paid time off and leave requests to maintain the security posture for the facility</li>
<li>Monitor project milestones, providing critical updates to senior management and stakeholders while ensuring alignment with USDA's mission objectives and federal guidelines</li>
<li>Direct the development and execution of strategic initiatives to facilitate efficient collaboration with federal partners, ensuring all laboratory operations adhere to regulatory requirements set forth by the Federal Select Agent Program (FSAP)</li>
<li>Foster a culture of excellence and professionalism within the team, emphasizing rigorous training, safety compliance, and operational integrity as key components of NBAF's mission to safeguard public health and the nation's food supply</li>
<li>Monitored budgeting activities by tracking expenditures and providing regular updates to management.</li>
<li>Analyzed existing processes within a department or organization in order to identify areas for improvement or increased efficiency.</li>
<li>Implemented quality control measures throughout each stage of a project's lifecycle.</li>
<li>Worked closely with senior managers to ensure that all projects were completed according to schedule.</li>
<li>Conducted research on potential vendors, suppliers, contractors and subcontractors for projects.</li>
<li>Provided administrative support to the Project Manager in order to facilitate successful project outcomes.</li>
<li>Prepared monthly progress reports summarizing key accomplishments achieved since the last report.</li>
<li>Trained junior staff on best practices for managing multiple projects simultaneously.</li>
</ul> at Defense Contracting Activity, LLC<ul>
<li>Spearhead the management and oversight of the National Bio and Agro-Defense Facility (NBAF) project, a pivotal national asset developed in partnership with the U.S</li>
<li>Department of Agriculture (USDA) and the U.S</li>
<li>Department of Homeland Security (DHS)</li>
<li>Collaborate with USDA and DHS stakeholders to ensure a seamless transition of operations and mission capabilities from the aging Plum Island Animal Disease Center (PIADC) to NBAF, ensuring uninterrupted research, diagnostics, and training essential to national security</li>
<li>Lead the operational endurance phase, validating work processes and laboratory setups to guarantee compliance with the highest safety and biocontainment standards, particularly in biosafety level-4 (BSL-4) environments</li>
<li>Act as the hiring manager, conducting interviews and selecting high-quality employees to ensure the success of both DCA and NBAF</li>
<li>Serve as a subject matter expert pert for the payroll system Paychex, overseeing and approving payroll for 63 officers biweekly while managing paid time off and leave requests to maintain the security posture for the facility</li>
<li>Monitor project milestones, providing critical updates to senior management and stakeholders while ensuring alignment with USDA's mission objectives and federal guidelines</li>
<li>Direct the development and execution of strategic initiatives to facilitate efficient collaboration with federal partners, ensuring all laboratory operations adhere to regulatory requirements set forth by the Federal Select Agent Program (FSAP)</li>
<li>Foster a culture of excellence and professionalism within the team, emphasizing rigorous training, safety compliance, and operational integrity as key components of NBAF's mission to safeguard public health and the nation's food supply</li>
<li>Monitored budgeting activities by tracking expenditures and providing regular updates to management.</li>
<li>Analyzed existing processes within a department or organization in order to identify areas for improvement or increased efficiency.</li>
<li>Implemented quality control measures throughout each stage of a project's lifecycle.</li>
<li>Worked closely with senior managers to ensure that all projects were completed according to schedule.</li>
<li>Conducted research on potential vendors, suppliers, contractors and subcontractors for projects.</li>
<li>Provided administrative support to the Project Manager in order to facilitate successful project outcomes.</li>
<li>Prepared monthly progress reports summarizing key accomplishments achieved since the last report.</li>
<li>Trained junior staff on best practices for managing multiple projects simultaneously.</li>
</ul> at Defense Contracting Activity, LLC