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Work Background
PwC FranceManager
Jan. 2023Neuilly-sur-Seine, Île-de-France, FranceI'm a manager in the Risk and Value Measurement Services team within PwC Paris office FSRR (Financial Services Risk & Regulations) specializing in credit risk management. We work and resolve important problems related to : - A specilization in drawing up a comprehensive Normative documentation within Banks - The identification of levers and the building of a target operating model aimed at enhancing efficiency and effectiveness within the credit risk management function. - The identification of opportunities for process optimization within credit risk management, resulting in streamlined workflows and improved risk assessment accuracy.
- Risk transformation initiatives to align credit risk management practices with industry best practices and regulatory requirements including global limits, delegation of authority scheme review, roles and responsibilities of the 1LOD/2LOD, Watchlist identification, escalation process for exceptions and normative deviations. - The design and implemention of new risk management frameworks to address overall governance, normative documentation, and declination across the Group’s entities. - In collaboration with cross-functional teams, the develop and implemention of a framework for concentration risk management and well as key controls to ensure compliance with guidelines and regulations.
PwC FranceSenior Associate
Mar. 2022 - Dec. 2022Paris, Île-de-France, FranceSenior Associate in the Risk and Value Measurement Services team within PwC Paris office FSRR (Financial Services Risk & Regulations) specializing in credit risk management.
Emirates Lebanon Bank SAL Senior Credit Risk Analyst
Dec. 2017 - Mar. 2022Beirut, LebanonAssess the impact of the IFRS 9: forward-looking risk assessment, PD & LGD, ECL and staging
Identifying key risk factors associated with clients, transactions, industry, country and currency mismatch by staying current on all aspects including industry trends and financial/political situations Provide a thorough risk assessment of high risk clients and early identification of significant increase in credit risk
Ensure risk rating and PDs are accurate and reflect a current forward-looking view of the client, and prepare override requests
Prepare and present Bank-wide review material to senior management, Board Risk Committee and Board Credit Committee including PowerPoint presentations, Dashboards, reports Report to the Board Risk Committee quarterly updates on new guidelines, sectorial analysis, economic highlights and update on customers on watchlist Work with Bank examiners (regulators), internal audit and external audit Prepare the ICAAP including Capital Adequacy Ratio calculation and Capital requirements for all types of risks under Basel III and currently working on Basel IV Conduct stress tests on all types of risks and work on reviewing and updating the scenarios in line with the economic situation Handle all types of reporting related to credit and ECL under IFRS 9 presented to CBUAE, Banque du Liban (BDL), Banking Control Commission of Lebanon (BCCL), Bank of Sharjah
Prepare and update Policies and Procedures for all types of risks (credit, market, operational, interest rate, and liquidity risks) and IFRS 9 policies (Staging & Overriding, Classification & Measurement, risk rating & Model Governance)
Conducting business and financial analysis in connection with new debt facilities and/or facility review for large corporate through reports containing specific SWOT analysis, financial analysis, market & product analysis and unique opinion for each customer
Emirates Lebanon Bank SALCredit Risk Analyst
Nov. 2014 - Dec. 2017Beirut, LebanonConducting business and financial analysis in connection with new debt facilities and/or facility review for Corporate & SME through reports containing specific SWOT analysis, financial analysis, market & product analysis and unique opinion for each customer Assessing the ability of cash flow reimbursement for Corporate & SME along with continuous follow-up on credit viability, customer payment history, customer creditworthiness, and value of the guarantee etc.
Ensuring all credit risk policies are followed, and up-to-date Recommending credits for approval at the appropriate level Processing transactions, guarantee entries, credit and file maturities in the Bank master credit module by coordinating with the corporate division and credit control unit Analyzing and approve derogations waivers and punctual excess on authorized limits Allocating accurate risk rating using Moody’s Analytics software – Risk Analyst (MRA)
Emirates Lebanon Bank SALAssistant Relationship Manager
Mar. 2014 - Nov. 2014Beirut, LebanonPrepared management reports for various industry studies and identified appropriate market opportunities.
Analyzed all business objectives and ensured achievement of all product mix for all relationships with customers.
Analyzed clients’ requirements and managed all client communication and counseling for customers and prepared required documentation (for the Credit Proposal presented to the Management and for their credit file).
Prepared all Corporate loan applications to be presented for the risk management unit, senior management and Credit Committee Analyzed financial statements of new customer and evaluated all loan documents.
Emirates Lebanon Bank SALBank Teller
Aug. 2013 - Mar. 2014Lebanon, achrafiehProvide account services to customers by receiving deposits and loan payments; cashing checks; issuing savings withdrawals and SWIFT.
Solifac Audi Saradar groupJunior Credit Analyst
Nov. 2012 - Dec. 2012Lebanon, achrafiyeh
Capital Insurance GroupUnderwriter
Aug. 2012 - Oct. 2012Lebanon, Horch Tabet
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