Basem Haddad, MBA
Gainesville, Virginia 20155 571-***-**** firstname.lastname@example.org
Mortgage Lending Credit Risk Management Revenue Management Banking industry executive with expertise in increasing revenues, market share and profitability for rapid-growth firms. Adept in managing cross-functional and cross-cultural relationships to gain alignment and achieve business and financial objectives. Expert in mortgage lending and credit risk management. Strong consumer and commercial loan product development and sales capabilities. Proficient in managing international loan products to ensure credit compliance.
Accounting & Taxes
Consumer & Commercial Loans
New Business Development
International Loan Products
Cross-Functional Team Leader
THE HOUSING BANK FOR TRADE AND FINANCE, Manama, Kingdom of Bahrain 2005 – Present Head of Credit Risk
Following proven success as Senior Relations Manager, promoted in 2009 to lead credit review, control and execution processes, and update company’s credit policy. Developed a unified approach to credit approval decision-making to ensure consistency with bank’s policies. Streamlined all processes to increase profitability.
Created credit-scoring models for risk assessments. Apply models to evaluating new clients for credit worthiness, and oversee loan approvals and rejections.
Negotiate loan terms and conditions, and monitor payments and debt issues.
Prepared marketing plans for corporate Finance and Credit operations. Improved Letters of Credit (L/Cs) and Letters of Guarantee (L/Gs) processes to increase the bank’s market share by 50%.
Prepare budgets for L/Cs and L/Gs and set individual objectives for Credit and Marketing officers to contain costs and increase profitability.
Analyze financial data and market and industry trends to develop and launch new consumer and commercial loan products to increase revenue.
Manage international loan products to ensure credit compliance. Ensure all loans and lending procedures comply with regulations.
ARAB BANK, Manama, Bahrain 1993 – 2004
Collaborated with corporate officers to develop processes and policies to facilitate bank’s leadership in credit services. Reviewed, analyzed and evaluated financial statements to grow revenue and improve profitability.
Oversaw new business development efforts to analyze companies’ potential for credit services and gain new clientele to grow the business.
Delivered strong client relations with companies seeking commercial loans, analyzing their business financial data, running comparative reports on similar businesses and industries, and recommending appropriate credit services.
Established and developed a comprehensive assets portfolio for the business.
Consulted with customers to resolve complaints and verify financial and credit transactions.
Served as bank liaison with credit association and other businesses to exchange best practices in credit services. Basem Haddad
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AL BARAKA BANK CORPORATION, Houston, Texas
Accountant & Financial Analyst
Performed investment feasibility studies with analysis of ROI, capital requirements and tax options.
Prepared bank financial statements.
Transitioned bank from manual reporting to automated computer-generated reporting to increase productivity.
Created comprehensive accounting system for bank subsidiary. UNIVERSITY OF MARYLAND GLOBAL CAMPUS, U.S. Navy College, Manama, Bahrain NEW YORK INSTITUTE OF TECHNOLOGY, New York, New York Finance Lecturer
For University of Maryland in Bahrain, taught courses in Accounting, Management and Finance.
At New York Institute of Technology, taught undergraduate and graduate students Finance, Operation Management, Managerial Finance, Corporate Finance and Financial Management Theory and Practice. EDUCATION & CREDENTIALS
Master of Business Administration, Minnesota State University, Mankato, Minnesota Bachelor of Science in Management & Economics, Minnesota State University, Mankato, Minnesota Certifications & Courses:
Certified Credit Manager – Central Bank of Bahrain Corporate Credit Risk Analysis – Bahrain Institute of Banking and Finance SAP BO WEB INTELLIGENCE – PIO TEACH Institute in Bahrain Conflict Management – Bahrain Institute of Banking and Finance Moody's Financial Statement Analysis – Housing Bank for Trade and Finance Training Center in Jordan