Fayez Mango
Amman-jordan,AM
Summary
Dedicated Professional with 20 years of experience in the financial industry , Im currently working as a corporate / Sme’s credit review manager in capital bank of Jordan , my current main responsibilities are to prepare value added ,independent credit analysis identifying the underlying risk element of borrowers and transactions with recommendations for approval or decline , evaluate customers and transactions to ensure credit standards and risk controls are maintained , performing cash flow analysis and financial statement analysis by using advanced accounting skills and developing credit histories by compiling financial information.
Overview
1
1
Certification
Work History
Credit Review Manager
Capital bank of jordan
Amman
2021 - Current
- Identified and monitored risks associated with customer accounts.
- Reviewed and analyzed financial statements to assess creditworthiness of potential customers.
- Conducted detailed analysis of customer data including cash flow, liquidity, profitability, leverage ratios, collateral values.
- Analyzed loan applications submitted by corporations, using liquidity, leverage and credit history to evaluate risk associated with issuing loans.
- Reviewed customer account data for accuracy prior to submitting it for review by senior management or auditors.
- Drafted credit recommendations based on findings from financial statement analysis and other sources of information.
- Negotiated terms with customers to ensure that the bank's interests were protected while still providing a competitive product offering.
- Performed reviews of existing customer accounts to identify any changes in risk profile or payment trends.
- Reviewed loan applications to ensure compliance with internal policies and external regulations.
- Identified needs of customers promptly and efficiently.
- Resolved problems or discrepancies concerning customer accounts.
- Negotiated terms of financing agreements, including interest rates, repayment schedules, and collateral requirements.
- Analyzed business plans submitted by potential borrowers for accuracy and completeness.
- Monitored industry trends in lending practices and regulations to ensure compliance with applicable laws.
- Provided training to junior staff members regarding credit policy and procedure implementation.
- Approved or denied loan applications and explained reasoning behind decisions.
- Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
- Performed due diligence checks on prospective customers before onboarding them onto the platform.
- Monitored regulatory changes impacting the banking industry and recommended appropriate adjustments to policies and procedures.
- Presented key information to upper management and executive team for loan recommendations.
- Worked closely with colleagues across departments such as Credit Risk Management and Compliance teams.
- Worked closely with both customers and sales team to reconcile accounts and oversee payment negotiation.
- Presented plans to client with smooth and professional presentations to enhance buy-in chance and promote collaboration.
- Participated in meetings with potential corporate banking clients to discuss their needs and develop solutions.
- Demonstrated leadership by making improvements to work processes and helping to train others.
- Motivated and encouraged team members to communicate more openly and constructively with each other.
Senior Large Corporate/ Sme’s Credit Review
Capital bank of jordan
Amman
2013 - 2021
Senior Relationship Manager
Capital bank of jordan
Amman
2010 - 2013
Senior Corporate Credit
Bank al Etihad
2008 - 2010
Relationship Manager
Bank al Etihad
Amman
2007 - 2008
Relationship Manager
Bank Of Jordan
Amman
2006 - 2007
Relationship Officer
Egyptian Arab Land Bank
Amman
2004 - 2006
Marine & Aviation Dept.
The National Ahlia Insurance Co
Amman
2004 - 2004
Education
Moody's Analytics Certification, in Small Business Banking - Banking
Moody’s
03-2024
High Diploma degree - Banking Management
Arab Academy For Banking And Financial Sciences
AmmanBachelor’s Degree - finance and banking
Al-Ahliyya Amman University (AAU)
AmmanHigh School Diploma -
Islamic Educational College Schools-jabal Amman
AmmanSkills
- Credit analysis
- Information Verification
- Credit decision making
- Cash Flow analysis
- Data Analysis
- Quantitative Analysis
- Financial Modeling
- Report Preparation
- Due diligence
- Negotiation
- Developing solutions
- Superior time management
- Documentation skills
- Research abilities
- Teamwork and Collaboration
- Written Communication
- Reliability
- Team Collaboration
- Problem-Solving
- In-Depth Research
- Staff Training
- Team building
- Interpersonal Skills
- Workflow Coordination
- Analytical Thinking
- Willing to Learn
Certification
1- Credit risk analysis-Moody's
2- Enterprise risk management- Moody’s
3- Credit risk analysis-Moody’s
4- Enterprise risk management-Moody’s
5-specialized professional diploma in credit
6-advanced feasibility studies
7-Intermediate Credit Analysis
8-Moody's Analytics Risk Management
9-Advanced Financial Analysis
10-new Rules for the L/CS UCP 600
11-Credit Risk Management.
12-anti-money Laundry (AML)
13-Adoption and Change Management
14-Embargo and Sanction Programs
15-Foreign Account Tax Compliance Act
16-financial crime (middle East)
17-module anti-money laundering
18-Information Security and cyber Risk awareness
Languages
Arabic
First Language
English
Intermediate (B1)
B1
Affiliations
1-Volunteering
2-Traveling
3-Sports
4-Reading books
5-Playing instruments
6-Listening to Music
7-Camping
8-Trekking
9-Gardening
10-Off-road driving
References
References available upon request.
Timeline
Credit Review Manager
Capital bank of jordan
2021 - Current
Senior Large Corporate/ Sme’s Credit Review
Capital bank of jordan
2013 - 2021
Senior Relationship Manager
Capital bank of jordan
2010 - 2013
Senior Corporate Credit
Bank al Etihad
2008 - 2010
Relationship Manager
Bank al Etihad
2007 - 2008
Relationship Manager
Bank Of Jordan
2006 - 2007
Relationship Officer
Egyptian Arab Land Bank
2004 - 2006
Marine & Aviation Dept.
The National Ahlia Insurance Co
2004 - 2004
Moody's Analytics Certification, in Small Business Banking - Banking
Moody’s
High Diploma degree - Banking Management
Arab Academy For Banking And Financial Sciences
Bachelor’s Degree - finance and banking
Al-Ahliyya Amman University (AAU)
High School Diploma -
Islamic Educational College Schools-jabal Amman
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