DEENA ISTANBOULI

• Develop and execute a risk-based annual audit plan covering all corporate banking functions such as corporate lending, credit risk, treasury, and trade finance.
• Lead audits of complex corporate banking activities to evaluate the effectiveness of internal controls and risk management.
• Provide independent assurance to senior management and the audit committee on the integrity of operations and compliance with internal policies and external regulations.
• Supervise, mentor, and develop audit team members to maintain high performance and professional standards.
• Ensure timely reporting of audit findings and follow-up on the implementation of agreed corrective actions.
• Advise senior management on emerging risks and control issues within corporate banking.
• Continuously assess and improve internal audit methodologies, tools, and practices.

• Authorized to approve credit proposals (corporate and Private Banking) up to SR 1,500MM.
• Managing team of 10 senior credit officers with total portfolio of around 1200 clients having total approved limits of more than SR 126Bln.
• Responsibilities include evaluating credit requests and approving transactions, review Credit Applications (CA’s), take decision and give feedback, ensure high quality standard of CA’s, assisting and shadowing higher-level SCO’s, participate in green light and credit committee meetings, conduct periodic portfolio reviews, as well as joint calls on corporate clients.
• Ensure pro-active risk management is in place and is working effectively (PDO’s, EWS, Classifications, remedial and recovery process… etc.)

• Ensure that appropriate Credit Policies are maintained at a high level of standards and applied consistently across SNB Group.
• Work closely with business units on amendments and adoption of credit policies and ensure full understanding and proper implementation of these policies to fulfill requirements.
• Ensure analysis of proposed credit changes is properly analyzed and risk mitigated.
• Fulfill proposed recommendations or changes to credit policy for the Board Committee and obtain their approval.
• Maintain periodic publication and circulation of policies and their changes.
• Coaching young COs/SCOs and implementing their development plans.
• Responding to and responsible for closing of Internal Audit/SAMA and other related issues.
• Ensure effective implementation of the EWS framework and its alignment with the current industry best practices and regulatory requirements.
• Enhancement of the EWS infrastructure and model within the bank while supporting the implementation and maintenance of an EWS system through automation.
• Provide leadership, mentoring, and coaching to managers and officers within EWS and CPCU units to develop talent, achieve performance objectives and ensure succession planning is in place.

• Covered Financial Institutions Dept. (FID), Private Banking (PBD) and Credit policy manager for corporate banking group.
• Developed key portfolio risk reports to highlight risks and challenges.
• Provide credit approvals towards Commercial Banks/Financial Institutions, Treasury and PBD NCB wide.
• Formulate and approve country exposure guidelines and cross-border limits.
• Review of NCB Intra-group lending requests.
• Recommend and approve provisions for FI and PBD credit businesses.
• Ensure Early Warning Systems are in place and working effectively.
• Monitor portfolio developments and trends including quarterly portfolio reviews and respond to adverse signals quickly and effectively.
• Design and implement Country Risk Limit methodology and monitor limits via quarterly portfolio reviews.
• Develop FI Credit Policy Manual and enhance PBD Credit Program for additional lending products such as Real Estate.

• Involved in many credits’ reviews relating to IFG, CBG and IBG.
• Involved in IFG portfolio review on credits approved by business.
• Appointed as a Credit Officer with SR 10MM limits.
• Active participation in IFG & CBG post approval audit.
• Ensure that appropriate Credit Policies are maintained at a high level of standards and applied consistently across NCB Group.
• Work closely with business units on amendments and adoption of credit policies and ensure full understanding and proper implementation of these policies to fulfill requirements.
• Ensure analysis of proposed credit changes is properly analyzed and risk mitigated.
• Fulfill proposed recommendations or changes to credit policy for the Board Committee and obtain their approval.
• Maintain periodic publication and circulation of policies and their changes.
• Ensure alignment between the Corporate Credit Policy and NCB Corporate Governance manual, SAMA Guidelines, and other regulatory requirements.

• Responsible for managing a portfolio of corporate accounts with total credit facilities aggregating to SR 1.5 billion.
• Responsible also for soliciting new relationships and converting corporate names as well as cross selling discretionary portfolios and grooming of companies for Trade, Investment and Cash Management products.
• Participated in cross check reviews and preparation for internal & external Samba Corporate Audit reviews.
• Appointed as a Credit committee member.
• Coached team member’s newcomers.

• Involved in forecast and budget preparation.
• Prepare monthly and account profitability report for CBG.
• Monitoring Deals in Pipeline and their prospects.
• Producing Monthly Business Letter for CBG.
• Ensure all Policies and Procedures for SAMA/ SAMBA (Citibank) is complied with.
• Involve in special tasks and projects (i.e. database restructuring, financial software integration).
• Coordinate Cross-Sell between CIBG and other Product areas within SAMBA.

Ladies Branch Manager 1999 - 2001

Discuss branch budget with management and plan growth percentage.

• Achieves defined goals set by bank management.
• Perform all management duties and responsibilities to market all banking products for ladies’ section.
• Establish teamwork relationship with staff.
• Direct and develop employee career path.

Assistant Branch Manager 1996 - 1999

Assist and support branch manager with all functions.

• Introduce all products for new customers.
• Ensure of service Excellency.
• Cross-sell the Bank’s products and services to reach the maximum number of qualified customers.

Customers Service Representative 1992 – 1996

• Responsible for providing direct customers service needs, answering inquiries, selling retail products, and services.
• Cross-sells investment banking and treasury products.
• Provide quality services to customers.
• Follow-up on non-active customers’ accounts to reactivate relationship to minimize low balance accounts.