HA

Hiba

Expérience professionnelle

Credit risk analyst

Banque Libano-Française , Beyrouth - CDI

De Juillet 2016 à Aujourd'hui

o I analyze clients portfolios risk and diversification.
o I set a financing leverage ratio on portfolios.
o I follow up on all leveraged accounts on a monthly basis.
o I control inflows and outflows of funds.
o I monitor potential risks in all leveraged portfolios.
o I follow up on all leveraged accounts on a daily basis regarding activities relating to stock-exchange.
o I draft and present weekly reports detailing activities relating to clients holding options and futures.
o I handle the management of non-performing loans book, special credits, structured credit and subsidized loans books.
o I handle reporting to the Central bank on regular basis regarding subsidized loans, provisions constitution, reserved interests and other requested reports
o I supervise and update the management on non-performing loans book status and risk classification of the clients.
o I network with different departments regarding the client’s credit risk status and performance.
o I communicate with the departments of the central bank and the Lebanese Banking Control Commission to provide them with requested reports.
o I prepare credit risk notes and submit them to the credit risk committee.
o I analyze the securities covering credit risk and prepare the first phase of bids: pricing of the security.
o I manage the obligatory reserve status and update management on regular basis.
o I submit notes to the Central bank to acquire special approval for credits exempted from obligatory reserve.
o I handle claims of interests requested from Central bank on a quarterly basis.
o I follow up on all restricted loans portfolio and submitted reports to management as well as the Central Bank.
o I follow up and updated on market trends and new regulations related to credit risk classification and non-performing loans book.

Formation complémentaire

Masters

university of saint joseph - risk management

2016 à 2018

Parcours officiels

USJ – ISEB – Master – 2018 – Master en études bancaires - option : gestion des risques bancaires
USJ – ISEB – Licence – 2016 – Licence en études bancaires

Langues

Arabe - Langue maternelle

Anglais - Courant

Français - Courant