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CURRICULUM VITAE
Mohammad R. Emair
More than 15 years ,with high professional qualifications and experience as corporate
credit risk manager ,corporate and commercial RM, professional accountant, corporate
credit trainer, trade finance professional .
Tel :( Work) + 972 9 2670601 Ext. 416
Tel :(Home) + 972 9 2693153
(Mobile): +972 592 886657 , +972 598-937509
mohd_imair @ yahoo.com
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PERSONAL INFORMATION
Date of Birth: November 03, 1968
Marital Status: Married
EDUCATION
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Master of Business Administration(MBA): Al-Najah University, Palestine, 2007
Bachelor Degree in Finance & Banking: Yarmouk University, Jordan, 1990
PROFFESSIONAL CERTIFECATES(SKILLS)
1. ACPA-Arab Certified Professional Accountant ,the Arab society of certified accountants,
in collaboration with University of Cambridge Local Examinations Syndicate, Amman
Jordan,2013
2. CLBB- Certified Lender Business Banker.2007from American banker association ,USA.
3. ICBR-International Certificate in Banking Risk and Regulation ( Basel 1
and Basel 2 ) 2010 from GARP (GLOBAL ASSOCIATION OF
RISK PROFESSIONALS)USA.
4. CICP-Certified International Credit Professional (international credit and risk
management), from an association of executive in finance, credit, international
business/USA, which includes international trade credit analysis, Understand, manage and
mitigate the credit risks associated with doing business internationally, international trade
finance its methods ,risks, many other issues.
5. CFM- Chartered financial manager from Chartered Institute of Professional Financial Managers/USA.
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6. TOT- program, train of trainers, Arab Academy for Banking and Financial Sciences/ Ramallah
7. AFA- Accredited financial analyst from graduate board of management, USA.
8. CRA -Chartered risk analyst from the AAFM (American academy of financial management) / USA.
PROFESSINAL TRAINING
- Extensive professional training in credit analysis, project finance, risk analysis, marketing , accounting
as follows :
- financial analysis /Cairo Amman bank / regional management/ Ramallah.
- accounting system and financial analysis for banking operations/ Cairo Amman bank / general
management/Amman -Jordan .
- control and follow–up of banking credit/ Arab bank / general management / Amman – Jordan.
- analysis of banking credit risks/ Arab bank / regional management/ Ramallah.
- preparation of estimated budget / Arab bank / Ramallah.
- Feasibility Study and projects evaluation/ Arab bank / general management / Amman – Jordan.
- Feasibility Study and credit evaluation for the projects/ Arab bank / Nablus.
- FX AND MONET MARKETS TOOLS , FORWARDS CONTRACTS AND FUTURE
CONTRACTS / Arab bank / Ramallah.
- collection and non-performing loans management / Arab Academy for Banking and Financial
Sciences/
Ramallah.
- the project work plan / evaluation and financial aspects/ Arab Academy for Banking and Financial
Sciences/ Ramallah.
- the project work plan/ evaluation and marketing aspects/ Arab Academy for Banking and
Financial Sciences/ Ramallah.
- management of loans portfolio, loans disbursement, and follow-up and control/ Arab Academy for
Banking and Financial Sciences/ Ramallah.
- credit interview / Arab Academy for Banking and Financial Sciences/ Ramallah.
- market research/ Arab Academy for Banking and Financial Sciences/ Ramallah.
- project financing for communication companies/ Arab bank/ general management/ Amman –
Jordan.
- risk analyst/ Moody's KMV/ Arab bank / general management/ Amman – Jordan.
-Usage of Credit rating models and financial spreading such as MRA, CreditModel,CreditRisk+ .
- many other courses and work Ouches.
-KYC,AML and CTF training e-learning course June 08 2011.
- Code of conduct e-learning course Oct 19 2010.
-communications and presentations skills, Arab bank , regional management Ramallah, January,2013.
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PROFFESSIONAL EXPERIENCE
1. Arab Bank : August, 1997 – present : credit risk Manager &corporate RM
(corporate banking department) :
-More than 15 years ,with high professional qualifications and experience.
Main roles as corporate credit risk manager:
 Monitoring and producing reports detailing exposures to risks.
 Researching counterparties or projects in order to help determine their creditworthiness.
 Issuing recommendations as to the creditworthiness of a given project or counterparty.
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Meeting with internal and external clients in the context of assessing credit risk.
 Reviewing credit applications and appeals for new and existing customers on large accounts, by
examining the credit report, determining credit limits and checking credit scoring programs.
 Determining the need to forward customer delinquencies to legal department or collections agency
for accounts written off to bad debt.
 Credit analysis – evaluating the different kinds of information relevant to judging the
creditworthiness of a loan applicant, corporate, financial institutions, government.
 Financial statement spreading and analysis.
 Loan compliance with the terms of the loan policy or commitment and with all applicable laws and
regulations.
 Loan review , audit and credit approval– ensuring that all loans adhere to bank lending policies ,
grading loans, identifying problem loans and suggesting corrective actions.
 loan monitoring, credit processing booking loans, processing loan payments , credit inquiries and
investigations, preparing credit report to senior management.
 marketing to all credit facilitates at the bank,
 understanding the business of banking , its risk , regulation at local level and international level.
 assessing to all type of risk (customer, country, industry , culture, currency, commercial, credit.
 preparing the annual budget , business plan , risk and reward analysis, working capital management,
finance structure.
 Commercial lending: loans, overdrafts, discounting, trust receipts.
 Corporate finance: project finance, asset based lending, leasing, debt underwriting.
 trade finance : LC”s, LG”s, bonds ,unfunded risk participation.
 Cash management.
Main roles as corporate RM:
responsible for marketing and selling credit facilities, assessing the credit worthiness of various corporate customers of the
Bank and other financial services offered by the Bank to local, current, and prospective corporate clients, all in line with bank
objectives and policies.
2. Corporate credit & trade finance trainer at Royal Academy for training and development
and Arab bank :August 2007- present
Main roles:
 Design new training courses and workshops.
 Act as a subject matter expert on: credit risk management, trade finance, working capital
management, corporate finance.
 Deliver seminars and workshops for the credit analysts and corporate team.
 Provide support to business and product groups on credit and risk related issues.
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Handle administrative duties as relates to scheduling of training sessions and setup of training
materials.
3. Cairo Amman Bank: June1992- Aug,1997 – Head of accounting department:
Main roles:
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Preparing the bank Financial Statements.
preparing credit and marketing reports to bank products and services.
Managing expenses and preparing the bank budget on yearly basis.
providing and interpreting financial information.
monitoring and interpreting cash flows and predicting future trends.
analyzing change and advising accordingly;
formulating strategic and long-term business plans;
researching and reporting on factors influencing business performance.
analyzing competitors and market trends.
developing financial management mechanisms that minimize financial risk.
conducting reviews and evaluations for cost-reduction opportunities.
managing a company's financial accounting, monitoring and reporting systems.
liaising with auditors to ensure annual monitoring is carried out.
developing external relationships with appropriate contacts, e.g. auditors, solicitors,
bankers and statutory organizations such as the Inland Revenue.
producing accurate financial reports to specific deadlines.
managing budgets.
arranging new sources of finance for a company's debt facilities.
supervising staff.
keeping abreast of changes in financial regulations and legislation.
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4. Instructor in AL-Quads Open University in the following subjects : financial analysis ,
financial institutions, money markets.
OTHER SKILLS
Computer literature :
Languages:
 Very good Command of Written and Spoken
- Arabic (Mother Tongue)
English
Core Management Skills & Competencies:
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Communication: Demonstrates ability to share ideas and findings clearly in written and oral expression.
Leading - Demonstrates ability to influence and support others to perform complex and ambiguous
tasks.
Teamwork - Demonstrates ability to work effectively as a team member and a team leader.
Critical Thinking - Demonstrates ability to gather and analyze information for creative problem solving.
Self- Management - Demonstrates ability to evaluate oneself, modify behavior, and meet obligations.
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Professionalism - Demonstrates ability to sustain a positive impression, instill confidence and advance in
a career.
References: Upon Request
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