Walid Yassine

- Setting goals & developing plans for business & revenue growth - Researching, planning & implementing new target market initiatives - Researching prospective accounts in target markets - Pursuing leads & moving them through sales cycle

- Develop new business relationships - Prepare credit proposals including financial, industry & swot analysis. - Actively participating in credit committees including implementation & follow-up on decisions. - Safeguard the bank from potential losses; identify problematic lending & take immediate actions when necessary.

Forecasting monthly, quarterly and annual results. To ensure appropriate and timely management of debtors, payment plans and credit control procedures. To ensure that creditor terms are appropriately followed. To prepare regular monitoring reports on capital developments and ensure timely and accurate claiming of any grants due. To ensure the financial management of projects and other income streams, and ensure that all relevant claims, reconciliations and statements are completed. To ensure that financial risks are appropriately managed and identified in the business continuity plan. Approving/rejecting budgets. Evaluate and decide on investments. Liaise with bankers in regards of all banking facilities. Supervise a team of accountants. Allocate resources and manage cash flows. Oversee operations and ensure the financial integrity of the financial control system. Conduct profit and cost analyses. Ensure all accounting activities and internal audits comply with financial regulations. Consult board members about funding options. Recommend cost-reducing solutions

Develop business from new & existing clients through strategic penetration into identified markets/sectors across the entire portfolio spectrum (assets, labilities & cross-sell) in a thoroughly professional manner, and in line with ethics and guidelines established by the bank. Contribute to assess whether starting a new relationship or maintain existing one with a customer is appropriate, in respect of sanctioned risks, irrespective of possible type of business the customer intends to do with the bank. Ensure that customer due diligence has been completed to a satisfactory standard and is kept up-to-date. Ensure compliance with bank’s policies, procedures and regulatory requirements. Direct contribution to the bank’s operational permanent control framework Responsible for the implementation of operational permanent control policies and procedures in day-to-day business activities. Responsible for ensuring team members comply with regulatory requirements and internal guidelines. Grow assets and liabilities to enhance the profitability of the account & maintain the growth of liabilities. Deliver & execute full range of multi-products to the corporate market place with a high degree of confidence. Conduct credit & customer analysis, and ensure that the quality of the credit portfolio is maintained, by reviewing proposals, identifying and assessing all risk inherent in credit exposures. Contribute to the detection of any unusual &/or suspicious transactions by the customer. Recommend credit facilities, within prescribed limits, after a comprehensive analysis. Liaise with various internal departments for smooth and quick turnaround of transactions. Expanding the Bank’s revenue stream through fullest utilization of limits by superior customer relationship management. Involve actively in compromise proposals and restructuring arrangements in cases where the Bank’s lending is doubtful of full recovery.

Compile the credit report and formulate conclusions and credit recommendations. Provide suitable loan structures, payment methods based on requirements and clients’ abilities, in addition to restructuring terms of facilities when necessary. Analyze & spread financials (income statements, balance sheets, cash-flows and projections) and calculate multiple ratios to assess client’s business management, profitability, liquidity, continuity and debt recovery. Evaluate business efficiency and credit worthiness to determine solvency in granting loans. Study business and projected cash flows based on high technical experience under multiple scenarios and conditions. Always abreast of economic conditions, market changes and possibilities in affecting client’s portfolio. Address recommendations and decisions on granting credit lines and attend as part of the committee for credit decision making. Target new customers for granting credit facilities to enlarge bank’s borrowing portfolio. Maintain direct contact and cordial clientele to maximize the returns, while abiding by credit standards. Conduct continuous client visits to evaluate business success and mitigate financial & operational risks to protect bank’s interest at all times.