Ayman Salah

• Conduct a comprehensive analysis of financial statements to assess corporate client creditworthiness and risk exposure.
• Prepare and present detailed credit reports to management, facilitating informed decision-making.
• Monitor existing credit exposures to ensure alignment with lending policies and risk limits.
• Develop robust financial models for forecasting performance and identifying potential risks.
• Collaborate with cross-functional teams to enhance the accuracy of credit assessments.
• Perform industry research to evaluate market conditions and their influence on client credit profiles.
• Recommend strategic credit limits and terms based on thorough risk assessments.
• Contribute to the development of credit policies to effectively mitigate risks.
• Stay informed on economic trends and regulatory changes impacting corporate lending strategies.
• Analyze financial indicators, including income growth and market share, to predict loan profitability.
• Review customer files to identify delinquent accounts for strategic collection efforts.
• Engage with credit associations and business representatives to exchange valuable credit insights.
• Prepared and presented credit reports, influencing key management decisions.

· Expertise in client information gathering and financial analysis to assess creditworthiness and inform effective lending decisions.

· Proficient in risk analysis through the development of statistical models, ensuring credit exposures remain within established risk-bearing limits.

· Skilled in completing loan application forms and presenting them to committees for timely approval.

· Committed to maintaining up-to-date knowledge of legal, market risk, and compliance issues to enhance the integrity of credit applications.

· Adept at evaluating clients' credit data and financial statements to accurately determine lending risk.

· Streamlined credit application processes increasing approval rates significantly.

· Developed statistical models to assess risk and enhance lending decisions.

• Supervised and coordinated team operations across night and morning shifts, implementing effective strategies to streamline application processing.
• Conducted comprehensive analysis of cases to ensure thorough preparation for the analyst team.
• Managed four key retail products: car loans, cash loans, credit cards, and business banking solutions.
• Evaluated customer profiles—including self-employed, employed, and non-income proof categories—based on attached securities and documentation.
• Leveraged appropriate credit programs to align customer needs with policy requirements, ensuring satisfaction and compliance.
• Oversaw and facilitated external verifications in collaboration with agencies, enhancing reliability and accuracy.
• Managed coding company processes to ensure efficiency and compliance with industry standards.
• Supervised team shifts to ensure optimal workflow and efficiency.
• Analyzed cases for quick and accurate processing by the analyst team.
• Effectively managed four key retail products to drive sales growth.

• Resolved customer issues related to services and billing with efficiency and professionalism.
• Recommended optimal service bundles tailored to customer usage, maximizing satisfaction.
• Facilitated sales of handsets and Vodafone products, driving revenue growth.
• Managed cash drawer operations accurately, ensuring financial integrity.
• Tailored service bundles to maximize customer value and usage.
• Managed cash drawer operations, ensuring accuracy and accountability.

• Coordinated effectively with Bahrain labor market regulatory authority and GOSI to ensure compliance with labor regulations.

• Led all administrative functions through strategic planning, organization, and oversight, optimizing office management.

• Collaborated with management teams to strategize and plan for new projects, driving organizational growth.

• Assisted in the maintenance of work order systems and ensured adherence to purchase order procedures for streamlined operations.

• Efficiently assigned labor resources for site work, enhancing productivity and project execution.

• Managed financial transactions by preparing cash/cheque deposit slips and navigating all bank formalities seamlessly.

• Developed structured time cards and work schedules for staff, promoting efficient workforce management.

• Executed various additional administrative tasks as required by management, demonstrating flexibility and responsiveness.

• Streamlined work order systems and enhanced procurement processes for smooth operations.