1. 1
: chedanian@hotmail.com
: 00971-55-2433394
Name: Dani Jamal Alkhaledi Gender: Male
Nationality: Jordanian Marital Status: Married
Date of birth: 19th of April 1979 Present Address: Abu Dhabi
Result driven professional with over 15 years of Risk, Credit, Legal, Operations and collection experience across Commercial, SME and Consumer
Banking. Proven record of accomplishment in devising and implementing risk infrastructure and policy framework across collections.
Collaborativeand communicativea teammember,with a successful track recordof managingtimeand difficulties.Ability to l everagehuman capital
to achieve‘stretch’objectives.EffectiveCoach;engagingandmentoringteammembers.Astutethinker;capableof takingquick and difficultdecisions.
Achievements: Delegated and a Key member of a team responsible for many special initiatives such as:
Rating for operating projects, Business classification defined and implemented, developing credit policy and procedures, Revised KF
agreement, insurancecoverage(Life insuranceand insuranceon funded assets),Risk matrix,Risk registration, bank’s guarantee, legal
channels, KF Microfinance Program and participate in establishing the loan management system LMS & CRM.
Responsibilities:
Portfolio Management
 Maintain,develop and Implement all theportfolio reports & analysis,Reportto the creditdirector and senior management the portfolio
studies.
 Data base development & review of Credit department units. Including automating the reporting approach.
 Project performance review to identify issues, process or policy gaps.
 Analyze the operational projects scope, time, cost and financials against the forecasted.
 Develop, maintain and communicate industry trends (financial data, regulations, etc.) affecting KF operating portfolio.
 Produce analysis and study of bad debts history and provide recommendations based on accurate findings to minimize Khalifa
potential losses.
 Manage the collation, analysis, and generation of reports on various recovery & collection matters for consideration by senior
management.
 Prepare departmental MIS statements and reports of all units section timely and accurately to meet company and department
requirements, policies and standards.
Credit Risk Management
 Maintain the Risk Matrix & Risk registration, and amending policies and procedures accordingly.
 Determine risks and risk categories combining threats and events (losses) accurately.
 Assess risks, probability of occurrence and factors influencing it.
 Develop risk maps, key risk indicators (KRI) and specify goals and work out a strategy on reduction of possible losses.
 Coordinatethe internal/external audits exercises,maintainingacceptableauditratings and implementingaction plansto enhancethe
Section’s performance and compliance with the required policies and procedures .
Legal review: Review the applicants FOLs and KF agreements; Review the applicants’contractsand insurancepolicy of the assets
duringthe disbursement, Review all of contracts,agreements & MOUs related to creditdepartment.
Recovery & Collection (Remedial)
 Managing the non-performing loans to ensure best recoveries are met to contribute towards controlling the net credit losses.
 Managing the performance to ensure best results are delivered with efficient cost approach.
 Ensured collection staff & agents areadequately trained on talk off’s,negotiation skills& updated with latestcollection techniques as
per market best practices.
 Managing the legal team responsible for the outsourced litigation activities to ensure best efficiency and timely actions
 Ensure that the Unit’s documentation, processes and procedures are approved and documented as per the quality standards.
 Analyze accounts with bad debts, liaise with Enterprise Development Department and understand genuine difficulties of SME
Entrepreneurs in order to recommend, seek approval for remedial action such as restructuring of facilities, or other settlement
arrangements in order to support the SMEs whilst achieving organizational objectives.
 Analyze and study of bad debts history and providerecommendations based on accuratefindings to minimizeKhalifa Fund’s expo sure
to delinquent payers.
 Prepare KF Provision reportwith the analysis;as of KF’s criteria,assessthe delinquent cases, and recommend for specific provision.
Litigation (Remedial)
 Manage all litigation cases in relation to overdue payments, non-performances to credit agreements ensuringoptimum protection of
Khalifa Fund’s business interests.
 Review, audit, and update the credit agreements, letters, memos and other physical communication channels.
Khalifa Fund for Enterprises development – Abu Dhabi
(Sovereign fund of the Abu Dhabi government for promoting entrepreneurship & MSME development) July 2010 – Present
Credit & Risk Specialist - Credit Control
Personal Info.
CURRICULUM VITAE
Work Experience
Career Objective

2. 2
: chedanian@hotmail.com
: 00971-55-2433394
 Maintain the unit legal documentation and ensure the legal accuracy.
Financial roles (Reconciliation): Reconciliation of applicant’s bank statement and all theloan details.
Insurance
 Manage relationship with insurance providers, banks, consultants and other stakeholder entities
 Monitor the portfolio life insurance, reporting, communication with insurance provider and KF finance department
 Central bank: Insuringthe unit monthly monitor of KF applicant’s liabilities,classification & provision bookingin central bank system
and Update system and MIS.
Assessing (Restructure, Loan Amendment and settlement)
 Assessing the credit worthiness of client companies
 Staying informed about the legal, compliance and market-risk-related issues involved in the approval of credit.
 Analyze credit data and financial statements against the forecasted to determine the degree of risk invol ved in extending credit or
increasing the loan.
 Prepare reports that include the degree of risk involved in extending credit or lending money.
 Evaluate customer records and recommend payment plans based on earnings,savings data,payment history,and pur chase activity.
 Complete loan applications with the relevant bank, including credit analyses and summaries of loan requests, and submit to
committees for approval.
Excellent in using Banking software: MIS (Integrated Data Warehousing solution), Vision Plus (from IBM CORP), LAPS (Lending
Automation Processing System from SysArc Informatrix), DM (Debit Manager: Software to handle delinquent accounts from London
Bridge Software Ltd Version) and Flexcube (The current Generation Retail Banking Solution from i-flex Solution Ltd, Version).
Legal Responsibilities:
 Preparing necessary documents to file a civil suit, Travel Ban.
 Following up the cases filed against bank.
 Writing formal letters and agreements.
 Arranging court fees and Lawyer’s fees and tracking.
 Providing necessary document to Court expert for the cases raised against the bank.
 Daily interaction with external law firm and internal department of banks.
 Preparing performance report monthly basis.
 Using persuasion and negotiation skills for decreed debtors and out of court settlement.
Recovery Responsibilities:
 Review and analyze the South delinquent accounts which have w/off (or DPD 180+) with the objective of improving the repayment
and recovery potential in each case and ensure the maximum recovery possible from them.
 Preparing all the documents and statements to initiate for civil suits and ban of travel.
 Arranging necessary documents for Police Notification (Cheque Return Case).
 Maintaining and updating records track sheet for the speedy identification and retrieval of files and cheques to be called from
DOCMAN Agency for initiating timely legal action.
 Preparation of consolidated account statements wherever necessary.
 Preparation of settlement proposals and forwarding the same to the concerned for approval.
 Preparation of DSR (Debt Settlement Report) and making the calculations.
 Safe custody of Cheques received from customers towards settlements and from Docman to proceed for legal action
 Contact externally the different official authorities to ensure quick enforcement of decided actions.
 Initiating the procedures for write offs under the settlement plan and issuance of release letters .
 Follow up the Ex-Staff (defaulters) to settle all there liabilities (Loans, Auto loans, Credit Card & any other liability).
 Following up the transactions with the Ministries of (Foreign Affairs, Interior, Trade & Industry, Tourism, Justice, Labor, Finance,
Education, Information, and with the Ministry of public work & housing) and all of the official circles.
 Shipment & custom release.
 Companies’ registration (in the Ministry of trade and industry and in the free zone).
 Setting up meetings with the members & partners of the companies.
 Writing formal contracts and agreements.
 Excellent experience in the finances, trades, labors, banking, and arbitration cases.
 Working in a team of counselors for different companies.
ADCB (Abu Dhabi Commercial Bank) – Abu Dhabi
Abu Dhabi Commercial Bank (“ADCB”), headquartered in Abu Dhabi in the UAE, is a diversified full
service Bank active in all banking services that span corporate, retail and commercial banking as
well as in the areas of treasury derivatives, infrastructure finance, private banking and wealth
management with a balance sheet of USD 50 Bn. ADCB’s strong franchise is supported by a
network of 300 ATMs (including 66 Cash Deposit Machines & 32 Cheque Deposit Machines at
selected locations) and over 50 branches in the UAE as well as 2 branches in India
May 2007 – July 2010
Senior Legal Officer (Legal & Recovery / Collection unit)
Yanal Office (Lawyers & legal consultants) – Amman
Lawyer
Feb2003 - Dec 2006

3. 3
: chedanian@hotmail.com
: 00971-55-2433394
 Bachelor's degree of Laws (LLB), from Al-Mousel University, Iraq, (1997-2001).
 French language (360 hours) from the French cultural center, Jordan, 2002-2005.
 Authorized from the JORDAN BAR ASSOCIATION.
 CFM™ (License 44941) fromInternationalAcademyof BusinessandFinancialManagement, March 2014.
 CCRP™ (License 44712) from International Academyof Business and Financial Management, Nov 2013.
 Taxes, Financial claims cases and debit collection.
 Practicing in the real estates and the customs release cases.
 Knowledge and practicing copyright law cases (trademarks, patents, commercial secrets).
 Experience in the insurance claims
I worked in this company which working on importing and installing lighting towers and columns.
With the following responsibilities:
 Assist the Legal & Compliance Director in coordinating external advisers, reviewers or regulators in relation to compliance and
regulatory matters.
 Responsible for all correspondence.
 Procurements and bids preparation.
 Assist in preparing the Company documents such as annual reports, corporate profiles and s ubmissions.
 Certified Financial Modeler; (40 hr) March 2014
 Certified Credit Risk Professional; (40 hr) Nov 2013
 Enterprise Risk Management; (40 hr) June 2012
 Team Building; (16 hr) April 2012
 Providing Excellence in Performance for Enterprise Assessors; (160 hr) Dec 2011
 EHS June 2011 (16 hr)
 Communication & influence skills; (40 hr) May 2011
 Project Risk Management; (40 hr) Feb 2011
 Contract Risk management; (40 hr) Jan 2011
 Project Management; (40 hr) Jan 2011
 Customer service excellence (32 hr)
 Negotiation skills: (32 hr) ADCB training center.
 Collections; strategies & tactics: (32 hr) ADCB training center.
 TAFANI; ADCB training center. (16 hr)
 Computer software (78 hr): certificated, approved by ministry of education in Jordan.
 Completing various lectures, workshops and seminars in several fields: (Finance, economic, Public relations, the insurance,
formulas contracts,the compensation, the prescription,negotiableinstrument, power of attorney, the lease,arbitration,summary
matters, customs,checks, contractof sale,promissory note, the appeal,(rightof) preemption, saleby auction, the usufruct, vested
rights, and many lectures in commercial and in penal).
 Forex (foreign exchange market); (80 hr) Forex dealer, from the Horizon financial services, Jordan.
o Computer skills: (Excellent in using the computer and its software)
o ANALYSING: Gather information systematically to establish facts & principles.
o INITIATIVE; SELF MOTIVATION: Able to act on initiative, identify opportunities & proactive in putting forward ideas & solutions .
o NEGOTIATING & PERSUADING: Able to influence and convince others, to discuss and reach agreement.
o NUMERACY: Multiply & divide accurately, calculate percentages, use statistics & a calculator, interpret graphs & tables.
o Arabic: Mother Tongue
o English: Excellent
o French: Fair
 Ahsan Ali; Credit Director,Khalifa Fund for enterprise development, Abu Dhabi (00971508861518)
Abu MannehTrading Est. – Amman
Legally Auditor
Nov 2001 – Feb2003
Languages
Courses
Skills
References:
Education
Certifications