Page * of *

Nazre Belal

**** ******** ****, ******,

Ontario, L9T 0Y9, CANADA

Phone: E-mail:

905-***-**** (home) ac3c7v@r.postjobfree.com

647-***-**** (cell)

SUMMERY

Accomplished Credit Manager/Senior Credit Review Office offering 20+ years of experience gained with 3 local Banks in the United Arab Emirates and 2 in Bangladesh (1 local and 1 international).

MBA Degree with concentration in Finance. Extensive post academic experience specifically in credit risk management and credit audit function.

Innate talent in finding a balance between asset quality and profitability. HIGHLIGHTS OF QUALIFICATIONS

Extensive experience in Credit Risk Management in areas such as Approvals, and Credit Audit.

Thorough knowledge in lending to Corporate and Commercial segments as well Financial Institutions and cross border exposure.

Excellence in approving credits within delegated joint authority of AED 5.0 Million (USD 1.5 million) and managing portfolios up to (USD 3.1 billion).

Achievement in streamlining Credit Risk Management Processes.

MBA & Certification in Credit Risk Management.

SUMMARY OF SKILLS

Computer Skills: Ms-Office, Banksys, Kapiti, Globas, Turbo-Fast, Win-Fast,Moodys Risk Analyst Bank Vision.

Languages: Bengali, English, (teaching level) Hindi, Urdu & Turkish (oral proficiency). Credit Risk Analysis/Audit

Credit Portfolio Review

Credit Management Process

Lending Processes

Spreading of financial

statements, corporate & banks.

Problem Solving/ Decision

Making

Analytical/Systematic Thinking

Business Knowledge

Influence & Negotiating

Leadership / Team Building

Service Orientation

Cross-Cultural/Diversity

_ PROFESSIONAL EXPERIENCE

Credit Adjudication

Correctly and accurately assessed credit risks related to diverse industry & risk profile, based on information presented, ranging from AED 5.0MM to AED 200 MM (USD 1.5MM –USD 60MM), submitted recommendations to the Head Office Credit Committee via credit memorandum.

Developed a good understanding of the assigned portfolios (Financial Institution, Trade Finance, Oil

& Gas, Private Banking & Wealth Management) under management, and proactively managed the accounts within the portfolio, ensuring that the assigned risk rating for each account accurately reflected the risk profile at all times.

Monitored approved credits over a 12 month cycle to identify weaknesses in borrowers’ financial standing, currency of repayment, validity of documentation and adequacy of security interests.

Reviewed and assessed requests, utilizing mainly external rating agency reports for bank & non bank financial institutions (in addition to corporate entities); country limits and forwarded to Head Page 2 of 4

Office Credit Committee for approval.

Contributed to the improvement in Bank’s Credit Policy by recommending changes in keeping with economic, regulatory and legal environment.

Achievements: Awarded spot awards for managing compliance issues, handling of legal cases and transmission of spreads electronically

Credit Audit (Risk Review)

Managed the planning of audits ensuring scope and extent of work is in accordance with the approved plan, timing and budget are reasonable, procedures are efficient, appropriate resources are assigned and risk understood.

Executed assigned review/audit activities independently as a Team Member under the direction of the Exam Manager (OIC); in order to draw conclusions and report to senior management on credit management processes and policies, credit risk assessment (portfolio quality), analysis and adjudication and credit portfolio management.

As Exam Manager (OIC) managed, coached and mentored 5-6-member teams consisting Team Leader and Senior Credit Examiners, involved in credit risk review of the bank’s lending portfolios. As Exam Manager OIC, reviewed/edited reporting from team members and summarized issues in a log sheet and draft audit report for review by the supervisor/ on a timely basis.

Headed teams that conducted periodic reviews of the lending portfolios of Corporate and Institutional Business Units in the United Arab Emirates and overseas at Qatar, Egypt, Sri Lanka, India and Sudan to rate their Portfolio Quality and Credit Risk Management Processes

Provided independent assurance on integrity of facility and borrower risk rating based on in-depth analysis of financial statements, industry, business, country risks and documentation review

Assessed adequacy of specific provisions where necessary

Prepared reports for Bank’s Audit Committee & CEO, highlighting key issues impacting the quality and management of the bank’s lending portfolio

EMPLOYMENT HISTORY

1. ASP Inc- Access Control Officer at Toronto Pearson Airport 2015 to Present 2. Knights on Guard. Toronto, ON, Canada 2010- 2015 3. Debt Freedom Canada, Burlington, ON, Canada 2009-2010 4. Union National Bank, Abu Dhabi, United Arab Emirates 2005-2009 Assistant Vice President & Credit Manager, Corporate Credit Division, 5. ADCB, Abu Dhabi, United Arab Emirates,

Credit Officer 2004-2005

6. Mashreqbank psc, Dubai, United Arab Emirates 1999-2004 Assistant Vice President & Senior Credit Review Officer, Risk Review Division, Head office, Credit Review Officer, Risk Review Division, Head office 7. American Express Bank, Bangladesh 1994-1999

Manager Credit, Country Credit,

Prior to 1994-AB Bank (Bangladesh) & Care International (Bangladesh) EDUCATION & PROFESSIONAL DEVELOPMENT COURSES

M.B.A. –Institute of Business Administration, University of Dhaka, Bangladesh Basel II – Emirates Institute for Banking & Financial Studies, UAE, 2008 Credit Risk Professional Certification- American Express Bank, USA

- (Completed courses in Financial Accounting for Bankers, Basic Credit, Intermediate Credit & Advanced Credit)

REFERENCES AVAILABLE UPON REQUEST

Page 3 of 4

Page 4 of 4

Contact this candidate