Continued…

Basem Haddad, MBA

***** ********** ***, ***********, **, 20155 571-***-**** ad2bvn@r.postjobfree.com A results-driven expat banker with several years of experience in credit and relationship management. Dynamic and skilled at building cross-functional relationships, managing projects from concept to completion, and developing opportunities that further establish organizational goals. Strategic thinker and complex problem-solver with excellent organizational skills and strong communication. Focus points:

Consumer & Commercial Lending

Commercial and Industrial Real Estate

Trade Finance

Credit and Financial Analysis

Commercial Real estate Lending

Line of credits

PROFESSIONAL EXPERIENCE

ANALYTICS EDGE, Remote Feb 2023 - Present

Risk Manager

• Support the credit approval and decision-making process by drafting detailed credit analyses, determining internal credit ratings and making credit recommendations

• Support the approval and decision-making process for credit departments for several clients (banks and credit unions).

• Responsibilities include drafting detailed credit analyses, determining internal credit ratings and proposing credit recommendations in support of the front office

• Perform credit analyst function by monitoring credit exposures and managing obligations. Create presentations, support new business activities and interface with the front office and other internal departments to ensure due diligence

• Partner with Second Line of Defense to provide input/review of relevant frameworks, policies, and standards

• Apply financial models (cash flow analysis, financial statement, and security) to value distressed credits in the portfolio for restructuring

• Assist first line of Defense to address audit findings and remedy control gap and prepare responses. Ensure that audit findings are tracked, risk rated and monitored

INDUSTRIAL BANK, LARGO, MARYLAND May 2022 -Jan 2023 VP-Credit Manager

• Ensuring quality underwriting, compliance, and credit monitoring within the commercial loan portfolio.

• Supporting new business development while applying credit risk policy and adhering to Industrial Bank’s risk appetite.

• Managing the credit underwriting and credit administration functions for all of the Bank’s commercial lending markets.

• Developing and coaching of the credit analysts and ensuring continued coaching in credit skills and capabilities development and career development for analysts.

• Works closely with the Chief Credit Officer to ensure consistency with Industrial Bank’s risk appetite principles, including establishing the Borrower Risk Ratings for new and existing credit relationships.

• Supervises Credit Analysts in creation of preliminary spreads, cashflow, and discussion memorandums and assists on the decision to move forward with potential clients; Has oversight of Credit Action Analysis, input Borrower Risk Rating, and provides Loan Policy related feedback for terms, conditions and covenants.

• Ensures the overall portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures

• Interprets and applies Industrial Bank’s risk management strategy (both credit and operational)

• Implements and operates systems to identify and mitigate operational risk issues ENDEAVOR ADVISORY GROUP, NEW YORK, NY Jan 2020 – April 2022 Consultant

• Evaluate aspects of affordable real estate development: site acquisition, land use, and zoning analysis; financial feasibility

• Prepare loan documentation and closing, construction administration

• Work closely with executive management to prepare solicitations for prospective investors.

• Optimize ROE by evaluating various debt/equity scenarios to raise capital for commercial real estate investments

• Maintain a current knowledge of accounting, compliance or other policies, procedures, guidelines.

• Participate in road shows and visited investors to make appropriate presentations

• Build long-lasting, mutual beneficial relationships with external contacts and internal departments to create better customer experience.

Basem Haddad

Page Two of Two

• worked closely with the CEO in the preparation of the investment presentation to be sent to the prospective investors.

• Send letter the investors regarding the investment opportunities available and the expected returns of those investment Worked on raising funds between $400M-550M to invest in real estate across the United State of America.

• Contacted Banks investment companies in the Middle east, Indonesia, Malaysia and other investment company with high net worth.

• Visited investors to discuss the prestation’s in detail and to convince them about our investment portfolio. If you have any questions, please do not hesitate to contact me.

• Advised company on raising capital for commercial real estate investments.

• Evaluated aspects of affordable real estate development: site acquisition, land use, and zoning analysis; financial feasibility.

• Loan documentation and closing; construction administration.

• Maintained a current knowledge of accounting, compliance or other policies, procedures, guidelines.

• Build long-lasting, mutual beneficial relationships with external contacts and internal departments to create better customer experience.

THE HOUSING BANK FOR TRADE & FINANCE, Bahrain

Senior Relationship Manger-Credit Manager Jan 2009 – Dec 2019

• Lead credit Risk review, control and execution processes, and updated company’s credit policy. Develop a unified approach to credit approval decision-making to ensure consistency with bank’s policies.

• Initiated and assisted with external marketing efforts for the purpose of business development.

• Applied models to evaluating credit capacity for new clients. Oversee residential and commercial mortgage loans approvals and rejections.

• Conducted an ongoing credit monitoring analysis, including client’s financial and operating performance, peer group analysis and covenant compliance

• Managed ongoing client relationships and attend client meetings as and when required.

• Identify revenue opportunities by contacting clients to develop relationships, answer questions, respond to complaints or direct to appropriate source.

• Analyzed and present client’s financial and operating metrics to facilitate credit extension requests of existing facilities.

• Worked closely with Corporate Banking and Risk Teams to highlight potential risks (Default risk, interest rate risk down grade asset risk), in the credit portfolio and recommend appropriate action plans.

• Coordinated with Corporate Banking the use of financial models such as cash flow analysis, financial statement, and security to revalue distressed credits in the portfolio for restructuring.

• Monitored and evaluated the activities and products of the competition.

• Addressed credit portfolio waiver and amendment requests, in coordination with Corporate Banking, Legal and Risks.

• Followed up with clients several times through the sales cycle to ensure needs are being met. THE HOUSING BANK FOR TRADE & FINANCE, Bahrain

Relationship Manager Jan 2005 – Aug 2009

• Performed credit underwriting and loan documentation, complete proper underwriting of loans, and approve within loan authority or in conjunction with Credit Officer.

• Reviewed and monitor asset quality; monitor past due loan information, collateral exceptions, covenant compliance, risk rating and borrowing bases.

• Actively worked to develop new business by identifying prospective clients and referral sources for all bank products and services through prospecting and Centers of Influence.

• Provided consultative guidance to Relationship Managers and remedial department.

• Demonstrated product knowledge of deposits, loans, Treasury Management services, Capital Markets and saving accounts.

• Analyzed client financial statements. Manage the full loan process, which includes but is not limited to administrative duties, preparing approval, and closing documents.

• Reviewed and monitor past due loans, resolve loan processing and payment errors, etc.

• Liaised with Unit Head and Business Credit for various routine transactions/ portfolio.

• Participated in Bank and community activities, events, and civic organizations; build, expand and maintain business and social networks.

Basem Haddad

Page Two of Two

ARAB BANK PLC, Bahrain Jan 1993 – Dec 2004

Relationship Manager

• Collaborated with corporate officers to develop processes and policies to facilitate bank’s leadership in credit services.

• Reviewed, analyzed, and evaluated customers financial statements to grow revenue and improve profitability

• conducted seminars, presentations, and meetings to demonstrate value of products and services to prospective and current clients.

• Oversaw new business development efforts to analyze companies’ potential for bank credit services and gain new clientele for growth opportunities

• Delivered strong client relations with companies seeking commercial loans; analyze their business financial data, run comparative reports on similar businesses and industries, and recommend appropriate credit services

• Analyzed financial statements by using Moody's Financial Statement Analysis.

• Applied sound knowledge of credit appraisal techniques. Perform Risk Evaluation, Collateral Analysis, Cash flow and sensitivity analysis

• Used sound judgement to interpret financial statements (Balance Sheet, Cash Flow Statement, etc.)

• Consulted with customers to resolve complaints and verify financial and credit transactions

• Maintain up-to-date knowledge or industry trends and government regulations

• Served as bank liaison with credit association and other businesses to exchange best practices in credit services

• Underwrite all types of Credit Approval Memorandum (CAM). ADDITIONAL EXPERIENCE

AL BARAKA BANK, Houston, Texas

Accountant & Credit Analyst June 1989 - Dec 1992

• Performed investment feasibility studies with analysis of ROI, capital requirements and tax options

• Reviewed, evaluated, and prepared credit recommendation proposals

• Prepared banks financial statement and reporting

• Transitioned bank from manual reporting to automated computer-generated reporting and enhance efficiency and automation

• Implemented new comprehensive accounting system for bank subsidiary EDUCATION

• Master of Business Administration, Minnesota State University, Mankato, Minnesota June 1987- June 1989

• Bachelor of Science in Management & Economics, Minnesota State University, Mankato, Minnesota March 1981 March 1984

OTHER

• Certified Credit Manager – Central Bank of Bahrain

• SAP Web Intelligence

• Moody's Financial Statement Analysis

• All MS office products (Word, Excel, Power Point), Outlook

Contact this candidate