Credit Analyst Risk
Resume:
Khalil Mahmoud Khalil
Credit Analyst Corporate Finance Specialist
**********@*****.***
Leander, Texas, USA
www.linkedin.com/in/khalil-mahmoud-khalil-674ab093 Career Summary
Corporate Credit Analyst with 14 years of international experience across the UAE and Jordan, encompassing credit review, financial analysis, and risk mitigation for SME and large corporate clients. Proven technical background and deep proficiency in Moody’s Risk Analyst / CreditLens and Newgen IBPS applications including implementation and user acceptance testing (UAT). Recently relocated to the U.S. and seeking a job opportunity in banking or other sectors where I can add value. Experience
MAY - DEC 2024 Emirates Development Bank, Abu Dhabi, UAE Senior Officer, Credit Risk (mSMEs) - Risk and Credit Department Duties and responsibilities included:
Reviewing credit proposals for corporate clients, obtaining required information, highlighting areas of concern, adding measures to mitigate the risk, and giving informed recommendation in coordination with Relationship Manager
Evaluating financial statements and highlighting areas of concern
Preparing periodic and ad hoc reports on the portfolio and submitted cases Other contributions:
Defined the required portfolio report from CreditLens, arranged with vendors to generate it, and verified its accuracy before release
Revised the models used in CreditLens and provided feedback for improvement
Represented credit review in the development, implementation of Newgen IBPS - CLOS
JUL 2014 - APR 2024 Arab Bank for Investment and Foreign Trade (Al Masraf), Abu Dhabi, UAE Senior Financial Analyst - Corporate Credit Risk
Duties and responsibilities included:
Reviewing credit proposals for corporate customers, obtaining required information, highlighting areas of concern, adding measures to mitigate the risk, and giving informed recommendation in coordination with Relationship Manager
Evaluating financial statements and highlighting areas of concern
Spreading financial statements in CreditLens
Preparing periodic and ad hoc reports on the portfolio and submitted cases Other contributions (Al Masraf):
Led the end-to-end implementation of Moody’s Risk Analyst / CreditLens including process flow, users’ access/roles, Spreading Guide, modification of Risk Rating Policy, defining the Organization Macros/Financial Highlights, required portfolio reports, and trained users to perform their roles properly.
Represented credit review in the development, implementation and UAT of Newgen IBPS - CLOS
FEB 2007 - MAR 2010 Arab Bank PLC, Amman, Jordan
Corporate Relationship Officer – Large Corporate Unit
Managing banking relationships with the existing and prospective clients
Analyzing the clients’ financial statements and evaluating their creditworthiness
Setting appropriate facility structure for each client to match the bank risk appetite and the client’s financing needs
Monitoring clients’ performance to identify early warning signals of potential default
Enhancing portfolio’s profitability and cross-selling in coordination with other departments
Education
2013 Master of Business Administration (MBA), Finance University of St. Thomas - Cameron School of Business, Houston, Texas 2006 Bachelor of Science in Finance and Banking
Al-Ahliyyih Amman University, Amman, Jordan
Skills & Abilities
Corporate finance and credit analysis Financial statements analysis
Credit Risk Rating Credit systems expertise
Good analytical and quantitative skills Attention to details
Problem solving Adaptability
Working knowledge of Microsoft Office Languages: English (fluent), Arabic (native) Trainings
CreditLens - Knowledge Transfer Workshop
Moody’s Analytics - Core Credit Skills and Commercial Lending
Moody’s Risk Analyst (MRA) - Introduction
Comprehensive course in Corporate Credit and Relationship Management
Contact this candidate