Chadi Abou Jaoude

Experience

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  Zero Gravity

  Jul 2010 - Apr 2021

  Co-Founder & Manager

  Co-founder and manager of Gravity Zero since 2010, a subdivision of B-Entertainment Co., offering a wide range of adventurous and interactive outdoor activities such as bungee jumping, rock climbing and zip lining among others. We specialize in streamlining the overall process including consulting, design, set-up and management of our services.

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  Credit Libanais

  Oct 2010 - Apr 2021

  • Lead the IFRS9 solution implementation project used for the monthly calculation of the bank allowances covering provisions on retail, corporate, sovereign and financial institution exposures;• Work closely with upper management to ensure that the scope and direction of the project is on schedule, as well as other departments for support including IT, Finance, Accounting, Credit Risk and Market Risk;• Develop substantial knowledge in IFRS9 Impairment calculation which was successfully applied in the project scope;• Liaise with PwC advisory department and IFRS9 solution provider to solve specific problems that arose during the project implementation phase;• Identify, document and report issues and defects of the application functionalities during an agile software development process;• Respond to the monthly ECL calculation exercise as required by the national regulatory authorities and ensure timely regulatory reporting by providing the accounting department with balance sheet ECL specific reports for manual ECL booking during the IFRS9 tool implementation phase;• Assist in the automation of all the regulatory reports that were subject to the provision of the new standard after finalizing the IFRS9 tool implementation project; Show less - Establish comprehensive board level credit risk strategies and policies for the efficient management of the various credit risk exposures; - Respond to the regular Capital Adequacy exercises launched by the national regulatory authorities in accordance with Basel international best practice standards; - Prepare risk reporting dashboards to the Board of Directors and the Risk Committee to advise on the Bank’s risk profile and ensure its conformity with the approved risk appetite and limit- Analyze, monitor and follow-up on all defaulting and non-performing clients in order to propose to management all necessary remedial actions; - Identify and monitor credit concentration in the Bank’s lending portfolio; - Respond to environmental performance reports requested by renowned global development institutions; - Monitor and follow-up on the regulatory framework issued by the local supervisory authorities and the supervisory authorities of the Bank’s host countries as well as international best practice standards; - Involved in various Bank level risk projects particularly with regards to IFRS9 requirements, following-up with all necessary steps as well as the possible outcome of its implementation. In addition to the acquisition of an Enterprise Risk Management solution and other ALM systems Show less - Managing, administering, testing and developing the main Credit Risk and Internal Rating models of the Bank and establishing all related policies and procedures; - Managing, administering, testing and developing the Moody’s RiskAnalyst Analytic Tools for Commercial facilities; - Ensure the mapping of the model generated score for borrowers with the loan rating classifications framework set by the national regulatory supervisor;- Support business owners on Moody’s RiskAnalyst and ensure proper governance of the system in terms of policies and procedures as well as documentation;- Managing, administering, testing and developing of the FICO scorecard system for the Retail lending products Show less

  • IFRS9 Project Manager

    Aug 2017 - Apr 2021

  • Credit Portfolio Management Officer

    Jan 2014 - Apr 2021

  • Risk Modeling Officer

    Jan 2014 - Apr 2021

  • Head Teller

    Oct 2010 - Dec 2013
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  Aptivaa

  Apr 2021 - now

  Risk Manager

  • ICAAP review for the largest private sector bank in Egypt, the exercise was conducted in line with Basel and international best practices (EU/UK) highlighting any gaps and areas of enhancement with clear action points; Project lead for the same• Executed the ICAAP exercise for several banks and FIs in the Gulf Region;• Advise and validate three Integrated Stress Testing exercises in line with the forward-looking capital adequacy assessment requirements stated by the Central Bank of UAE in its annual Banking sector stress exercise. Project lead for the same• Conducted quantitative and qualitative model review and enhancement assignments related to pillar II risks including concentration, reputational, strategic, and regulatory risks;• Supported the implementation and validation of several IFRS 9 assignments in the Gulf region;• Developed wholesale workout LGD model for one of the largest Banks in KSA;• Lead an independent third-party review project of the risk management framework, compliance framework, and operational risk framework for one of the largest banks in Bahrain with respect to its Central Bank circulars; Show less