Fazil Rahaman (MBA - UK)
Riyadh,Saudi Arabia
Summary
An enthusiastic MBA-qualified Credit Risk Review Specialist with a vision towards becoming a charismatic contributor promoting dynamic organizational culture and teamwork. Driven by strong analytical and communication skills and applying extensive industry experience (including international) towards achieving strategic organizational objectives with a strong emphasis on ethics and professionalism. An excellent seeker of continuous knowledge towards career development, problem solving mindset and a passionate seeker of networking.
Overview
2
2
Languages
3
3
years of post-secondary education
18
18
years of professional experience
Work history
Manager Credit Risk Review
The Saudi Investment Bank
Riyadh, Saudi Arabia
2024.08 - Current
- Reviewed Large Corporate, SME and Private Banking clients of the bank in a timely manner.
- Reviewed the Countries & Bank Lines (Financial Institutions) and Investment Proposals of the bank in a timely manner.
- Reviewed ExCom Presentations in a timely manner.
- Carrying out Credit Risk Review process using various analysis including fundamental, industry, competitive and macro-economic, etc. to identify inherent as well as potential Credit Risks.
- Recommend suitable Risk Mitigants & Conditions and present the Credit Application to the Approving Authority.
- Actively contribute to making changes to the Bank's Credit Policy during annual or interim review.
- Review and make changes to the Policies and Procedures Document of the Credit Risk Review Department on an annual basis.
- Engaged in the annual Risk Control Assessment process for audit purposes.
- Participated in customer call visits alongside the Business Relationship Manager for eligible customer credit applications alongside the Business Relationship Manager.
- Actively participate in resolving SAMA Audit Observations.
- Prepare Customer Brief Memos and ECL Memos with updates and recommendations related to the customers under litigation.
Relationship Manager cum Credit Specialist
Tamweel Aloula Financing Company
Riyadh, Saudi Arabia
2022.07 - 2024.06
- Achieving 2023 annual business target within the first quarter of the year.
- Conducted comprehensive credit evaluations for corporate and SME entities, identifying key risk factors to inform lending decisions.
- Increased the SME advances portfolio of the company through new and existing relationships.
- Collaborated with internal departments to secure approvals and clearances for transactions and disbursements.
- Restructured credit facilities and managed overdue accounts.
- Ensure proper execution of Security Documentation in order to cover the exposure.
Relationship Manager (SME & Corporate)
Amana Bank PLC
Colombo, Sri Lanka
2008.10 - 2022.06
- Increased the SME & Corporate advances portfolio of the Bank through new and existing relationships.
- Enhanced deposit mix by cross selling to new and existing clients.
- Executed and maintained securities documents in liaison with Legal and Credit Admin Departments.
- Maintained Insurance Register, Build Up Register, and Lodgments Register, conducting periodic inspections to ensure compliance with collateral requirements.
- Gained experience as a Cash Teller, in Account Opening, Clearing, Retail Advances, and Corporate & SME Relationship Management.
Education
Master of Business Administration - General
University of Gloucestershire
United Kingdom 2021.02 - 2022.03
Level 7 Dip. in Strategic Management & Leadership - Management
OTHM - EFQ
United Kingdom 2020.06 - 2021.03
Diploma in Credit Management - Credit
The Institute of Bankers of Sri Lanka
Sri Lanka 2018.11 - 2019.06
Diploma in Islamic Banking and Finance - Islamic Banking and Finance
Institute of Bankers of Sri Lanka
Sri Lanka 2009.04 - 2009.11
Skills
- Excellent fundamental and technical analytical reasoning backed by years of hands on experience
- Ability to communicate with multiple layers including all departments and heads (including senior management)
- Excellent attitude towards learning, executing, work quality and timely completion of as assigned tasks
- Excellent attitude towards team environment and ability to lead whenever tasks are assigned
- Work flexibility
Languages
English
Fluent
Sinhalese
Native
Accomplishments
- Member of the College Table Tennis team from 1999 - 2008 while captaining the college in 2007-08 season. Winning countless accolades during the tenor.
- Member of the Sri Lankan Table Tennis team (junior) that toured the Maldives for an International Tournament in 2002.
- Captain of the Table Tennis team of Amana Bank PLC that won the Mercantile Championship in 2015.
References
References available upon request.
Timeline
Manager Credit Risk Review
The Saudi Investment Bank
2024.08 - Current
Relationship Manager cum Credit Specialist
Tamweel Aloula Financing Company
2022.07 - 2024.06
Master of Business Administration - General
University of Gloucestershire
2021.02 - 2022.03
Level 7 Dip. in Strategic Management & Leadership - Management
OTHM - EFQ
2020.06 - 2021.03
Diploma in Credit Management - Credit
The Institute of Bankers of Sri Lanka
2018.11 - 2019.06
Diploma in Islamic Banking and Finance - Islamic Banking and Finance
Institute of Bankers of Sri Lanka
2009.04 - 2009.11
Relationship Manager (SME & Corporate)
Amana Bank PLC
2008.10 - 2022.06