Saif Al Naimi

Monitor and manage accounts that have become irregular, ensuring follow-up on financial settlements for defaulting debtors, including corporate and SME clients. Implement approved settlement procedures and track their scheduling within the banking system to ensure the bank's rights are collected.

• Studying the files of defaulting clients and those classified as corporates and SMEs whose accounts are underpayment (Jordan and foreign branches).
• Extracting periodic reports and statements related to the status of irregular accounts and provisions from the automated system, and matching them with the submitted transactions.
• Making contacts/following up on defaulting clients to demand payment and informing them of the default of their accounts in order to negotiate and coordinate with them to pay their obligations or schedule them.
• Implementing settlement procedures by all amicable and legal means and amending the positions of accounts payable on the banking system in accordance with administrative instructions.
• Ensure that the credit balances available in the accounts of debtors and guarantors are utilized, and their obligations are paid in coordination with the relevant authorities to protect the bank’s rights.
• Preparing studies and settlements for defaulting clients at the branches of Palestine, the Bank of Jordan/Syria, and the Jordan Financial Leasing Company.
• Follow up on scheduled clients whose Non-performing accounts to ensure their compliance with the approved schedules by the bank’s credit policy and approved work procedures.
• Follow up and review the status of the accounts of defaulting clients who are referred to the Legal Department whether or not a case is filed until it is followed up and the legal procedures are followed up.
• Preparing reports and conducting studies for participating in auctions of mortgaged properties in exchange for client-referred facilities for the Legal Department
• Preparing periodic reports regarding the status of clients (corporates and SMEs) whose accounts are subject to payment (Jordan and foreign branches) and those referred to the Legal Department in a manner that includes information about distressed portfolio clients/bad debts/legal procedures and settlements and all related data and confirming recommendations thereon.

• Evaluating clients' credit data and financial statements in order to determine the degree of risk involved in lending money to them.
• Preparing reports about the degree of risk in lending money to clients.
• Analyzing client records and using the data to recommend payment plans.
• Coordinated the preparation of quarterly reports for senior management, highlighting key trends and emerging risks within the portfolio.
• Streamlined reporting processes by automating data extraction from various systems, reducing the manual effort required by team members.

• Following up with clients regarding credit collection.
• Educating clients on the appropriate payment methods to avoid legal actions being implemented upon them.
• Raising unresponsive clients' files to the legal department and following up on those cases.

• Answered customer inquiries regarding account balances, transaction history, service charges, and interest rates.
• Processed customer transactions promptly, minimizing wait times.
• Balanced cash drawers accurately at the end of each shift, minimizing discrepancies in financial records.

• Managed high call volume while remaining focused on delivering excellent customer experiences.
• Increased first call resolution rates by utilizing comprehensive product knowledge and problem-solving skills.
• Demonstrated empathy towards customer concerns, fostering trust and rapport during interactions.