• Senior Manager

    at Abu Dhabi Commercial Bank

    May 2019 - at Present

    Abū Z̧aby

    • Efficiently managing a large corporate portfolio worth AED +4.5 billion (equivalent USD 1,225 million) which comprised of relationships migrated from Al Hilal Bank (post-migration) and also some originated originally from ADCB Islamic team. • Part of team involved in administering & spearheading end-to-end complex data migration of corporate clients from Al Hilal Bank platform to ADCB; which successfully materialized in migrated assets worth AED 4.5 billion. Architected & ensured delivery of all aspects of data analysis, proper mapping and transfer of relationships. Identifying the data migration impact of all proposed changes and ensuring all client relationship data transposed successfully. • Maintaining strong working relation at key levels internally and with clients to optimize utilization; successfully introduced 2 new to bank large corporate relationships to the unit. • Strengthened the migrated relationships by discovering and developing new business opportunities.

  • Associate Director

    at Al Hilal Bank

    January 2015 - April 2019

    Abū Z̧aby

    • Oversee the development and implementation of financial targets/annual budget (Corporate banking KPI targets) and long- range plans aligned with the bank's critical priorities. • Effectively managing a diversified corporate portfolio worth AED +7 billion (equivalent USD 1,900 million) generating an annual gross income of AED +300 million (equivalent USD 80 million) and fostering strong working relation at key levels to optimize utilization & improve return on risk assets. • Throughout the course proposed & cultivated many new to bank corporate relationships with average ticket size of AED 150 million (USD 41 million) to AED 200 million (USD 55 million). • Recognize early warning signals from stressed credit exposure and administer cure and advise solutions to accelerate recovery from such assets. • Retained and strengthened current relationships and architected new business opportunities through various channels such as cross-sell & referrals.


    at Al Hilal Bank

    July 2008 - December 2014

    Abū Z̧aby

    • Diligently managing a diversified corporate portfolio worth AED +3.5 billion (equivalent USD 950 million) generating an annual gross income of AED 150 million (equivalent USD 41 million). • Specializing and focusing on dealing with GRE, Corporates (Real-estate, Trading, Hospitality & Manufacturing entities), & Specialized Contractors. • Lending exposure involved analyzing and arranging syndicated-facilities, structured-financing, project-funding & extending balance sheet financing. • Oversee facility agent’s role on behalf of the Bank for syndicate relationships. Dealing with syndicate Islamic Participant banks on various club deals (as MLA or facility agent). • Analyze company financials, project cash flows and interpret the external feasibility study in support of credit submission for project-finance & term financing. • Maintain complete control aspects of existing portfolio and recommend appropriate credit facilities in line with the bank’s credit policy.

  • Relationship Manager

    at Union National Bank

    March 2005 - June 2008

    Abū Z̧aby

    • Directly handle a well-diversified portfolio of borrowing relationships (+40 relationships) in line with Bank's Credit policies. • Successfully increased the breadth of portfolio by marketing & initiating 36 new relationships during 3-year tenor in the bank. • Structure credit facilities to ensure optimum balance between risk management, pricing and return on RWA. • Originating Credit Limit Proposals within SLA standards including financial & risk rating assessment and scorecard sheet for existing and new business solicited within a 96% approval rating on all submitted cases. • Directly reporting to Assistant Vice President having a regular review on accounts and providing ready reference reports in order to maintain a quality portfolio.


  • Masters Certificate in Project Management

    at Villanova University Villanova

    2004 - 2005 (1 year) Pennsylvania

  • Masters of Business Administration, MBA

    at Texas A&M University Prairie View

    2001 - 2003 (2 years) Texas

  • Bachelors in Management Information Systems, BBA

    at Texas A&M University Prairie View

    1998 - 2002 (4 years) Texas


  • Arabic Elementary

  • English Native