
Khaled Al-Subaie, MBA, CM
Portfolio Coordinator

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About me
Senior Specilist - Credit Risk at Kuwait Finance House
Education

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American University of Kuwait
2008 - 2010Bachelor's Degree FinanceActivities and Societies: AUK's Finance Club. Founder and president of AUK's Finance Club.

Maastricht School of Management
2011 - 2013Master of Business Administration (M.B.A.) StrategyActivities and Societies: Class Representative for Intake 16 - Group 3 Thesis Title:A Study of the Lending Decisions Attributes of the Credit Officer Regarding SMEs: The Case of Ahli United Bank, KuwaitThe objective of this study is to examine the attributes affecting the credit officer’s lending decision to SMEs in Ahli United Bank- Kuwait (AUBK). There are very few studies that focus on the case of loan officers at Islamic banks and most of the previous studies focus on conventional banks, this study therefore focuses on one of Islamic bank in Kuwait… Show more Thesis Title:A Study of the Lending Decisions Attributes of the Credit Officer Regarding SMEs: The Case of Ahli United Bank, KuwaitThe objective of this study is to examine the attributes affecting the credit officer’s lending decision to SMEs in Ahli United Bank- Kuwait (AUBK). There are very few studies that focus on the case of loan officers at Islamic banks and most of the previous studies focus on conventional banks, this study therefore focuses on one of Islamic bank in Kuwait (AUB) and carry out interviews with the credit officers to explain the effect of their characteristics on the lending decision. The outcome of this thesis is expected to enhance and benefit lending assessment of Islamic banks in Kuwait as well as it is expected to enhance awareness regarding how loan officers assess various lending decision particularly to the case of SMEs where there is lack of information and historical records. Show less
Experience

Steelco Holding Co.
Apr 2007 - Jul 2010Portfolio Coordinator
Ahli United Bank
Oct 2011 - Feb 2017Senior Credit Risk AnalystStress testing: determining the effect of a change to a portfolio or sub-portfolio due to extreme, realistic events• Various levels of stress testing for credit risk across credit risk components and portfolio levels:•PDs and LGDs•Exposure and provision estimates• Portfolio capital and concentrationsUndertaking risk assessment analysis of various types of lending and analyze the areas of potential risk threatening the assets, earning capacity or success of organizations in the industrial, commercial or public sector. Reviewing credit proposals and assuring that all documents and needed info are adhered to. Preparing the past due and excess report and following up on the business units to insure reducing the excess and past dues. Reviewing Rental Proceeds report & Pending Document report semiannually.Reviewing +500 report on a monthly basis. Show less

Commercial Bank of Kuwait
Feb 2017 - Oct 2018Assistant Manager - Credit and Investments Risk
QNB Group
Oct 2018 - Nov 2019Credit Risk Manager• Reviewing credit proposals and assuring that all documents and needed info are adhered (Corporate Banking and Retail Banking).• To establish and monitor policies and procedures.• Assess Counterparty Ratings.• Monitoring past dues and remedial clients.• Preparing monthly liquidity report.• Monitoring remedial and watchlist.
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First Abu Dhabi Bank (FAB)
Nov 2019 - May 2020Risk Manager
Ahli United Bank - Kuwait
Sept 2020 - Jun 2024Credit Risk Manager
Kuwait Finance House
Mar 2024 - nowSenior Specialist Credit Risk
Licenses & Certifications

Advanced Certificate in Credit Management ACCM
Institute of Banking Studies I.B.SMay 2013
Risk Management Certificate RMC
Institute of Banking Studies IBSMay 2012
Moody's RiskAnalyst User Certification Training Course
Moody's ANALYTICSJan 2012
Managing the Credit Operations of Islamic Financial Institutions
Institute of Banking StudiesDec 2011
Investment Valuation Techniques
Institute of Banking StudiesNov 2011
KFAS Berkeley Innovation Challenge
UC BerkeleySept 2014
Certified Manager CM
Institute of Certified Professional ManagersMay 2015
Moody's Analytics ESG Risk Assessment for Lenders & Asset Managers
Moody's AnalyticsJul 2021
Credit Risk Modeling
Institute of Banking StudiesMay 2014
Languages
- arArabic
- enEnglish
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