1. BAHA’ AL-ABWEH
E-mail: alabweh.baha@GMAIL.com LinkedIn Mobile: +962 78 5228685
Address: Amman, Jordan Birth Date: December 28, 1989
Nationality: Jordanian Status: Single
PROFILE
Professional credit officer with almost four years of experience in corporate banking specialize in
Contracting and Construction sector in which I hold accountable of $140 Million worth portfolio.
Excellent hands-on expertise spanning credit analysis, portfolio management and business line
budgeting, in addition to considerable team-binding and client relation skills, combined with high level
of intellectual energy, curiosity and commitment to professional excellence.
EXPERIENCE
Jordan Ahli Bank – Corporate Banking Group | Head Office, Jordan
Credit Officer (Contracting & Construction segment) Oct 2011 – Present
• Assist Relationship Manager(s) in maintaining and housekeeping the portfolio under
management, resolving day to day operational tasks
• Assist Relationship Manager(s) in maintaining & growing the portfolio within business segments
through acquisition of new customers and growth of wallet share with existing customers
• Assess and verify client's current financial position, work domain, creditworthiness, assets, and
potential collaterals
• Present credit proposals, reviews and reports and set recommendation to various levels of
authorized credit committees (Corporate Committee, GM committee & Board credit committee)
• Achieve revenue goals, sales and portfolio growth through cross-selling products and services
(financial assets, term deposits, CASA balances, mortgages, credit cards, bank assurance)
• Improve the quality of the portfolio through regular monitoring of the relationship and
assessment of the risks
• Maintain database of client credit history and credit risk factors (within Moody's risk rating
system) to ensure optimal risk-return and decision making
• Sustain service excellence, delivery and brand value at all times to clients
• Follow-up plans and exit strategies to doubtful accounts and ensure the maximum efforts taken
before recommending bad credit status in accordance with policies & procedures
• Liaise regularly with various departments (e.g. Operations, Compliance, Credit Operations…etc)
pertaining requests and enquiries for transactions and/or documentation

2. EDUCATION AND TRAININGS
Jordan Ahli Bank
Advanced Credit Officer Program Oct 2011 - Apr 2012
Seven months practice program, initiated for promising talents, that covers both practical expertise and
theoretical education in banking industry, starts from computer & soft skills to branches operations,
credit & financial analysis, treasury dealing and finally international standards and regulations with
total of 576 hours and stage exam.
Topics and subjects:
• Financial and credit analyses (quantitative and qualitative)
• Direct & Indirect Facilities ( L/Cs & L/Gs & B/C financing)
• Feasibility studies for corporate & SMEs
• Syndicated loans
• Risk Management (BASEL ii and Requirements of BASEL iii)
• Moody's Risk Rating System operator
• Corporate Governance
• Anti-Money laundering (including Anti-counterfeiting and Forgery)
• Credit Reviewing and Central Bank Policies
Yarmouk University, Jordan
Bachelor of Science in Accounting Oct 2007 - Jun 2011
82% Very Good
SKILLS
• Possess in depth knowledge of the products and services, associated charges/fees, legal
provision, and customer delivery process.
• Highly able to predict clients’ future needs and assign flexible plans to sustain profitability.
• Solid hands-on analysis and evaluating projects relating to contracting & construction sector.
• Strong credit skills, analytical mindset and financial acumen.
• Excellent communication, negotiation and presentation skills.
• Highly able to work under pressure with tight deadlines.
• Highly able to interact at all level of organization.
• Reliable and morally committed.
• Understand and respect work ethics.