Emirates Lebanon Bank SAL Senior Credit Risk Analyst
Dec. 2017 - Feb. 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