Alya Mohammed Hussain
Kingdom of Bahrain
Summary
Underwriting and risk management professional with over 6 years of experience in credit risk control, underwriting quality review, and consumer finance compliance. APRM-certified with strong expertise in credit assessment, policy adherence, risk identification, and underwriting process improvement. Demonstrated ability to enhance underwriting quality, mitigate financial risks, and support regulatory and internal control frameworks within financial institutions.
Overview
8
8
years of professional experience
2018
2018
years of post-secondary education
1
1
Certification
Work history
Underwriting Quality Review Officer
Bahrain Commercial Facilities Company
10.2024 - 01.2026
- Review consumer finance applications to ensure accuracy, completeness, and compliance with underwriting policies and regulatory requirements.
- Identify underwriting discrepancies, errors, and risk indicators, and provide corrective feedback to underwriters.
- Monitor underwriting quality standards and recommend process improvements.
- Collaborate with underwriting, risk, and operations teams to maintain consistent underwriting practices.
- Participate in updating underwriting guidelines and procedures to align with risk management objectives.
- Support initiatives aimed at improving underwriting efficiency and risk control effectiveness.
Underwriting Quality Review Officer
Bahrain Commercial Facilities Company
10.2024 - 01.2026
- Review of applications to assess the quality, accuracy, and the adherence to the consumer finance policy.
- Identify the areas of improvement and collaborate with key stakeholders to maintain a high standard of underwriting quality.
- Identify and discrepancies, errors, areas of concern and provide feedback to the underwriters.
- Participating in the development and revision of underwriting guidelines and procedures.
- Cooperating in enhancing underwriting efficiency.
Credit Risk and Control Officer
Bahrain Commercial Facilities Company
04.2019 - 09.2024
- Assessed customer creditworthiness in line with approved credit risk policies.
- Reviewed credit applications to ensure compliance with consumer finance terms and conditions.
- Prepared daily, quarterly, and ad hoc risk and management reports.
- Conducted semi-annual title deed reconciliations and coordinated findings with relevant departments.
- Reviewed and approved payment releases and collateral management requests.
- Ensured accuracy and completeness of legal, financial, and customer documentation.
- Coordinated with internal departments to resolve credit and documentation issues.
- Verified customer employment and financial details in accordance with credit risk control procedures.
- Maintained accurate data entry and system records to support risk monitoring.
Credit Risk and Control Officer
Bahrain Commercial Facilities Company
04.2019 - 09.2024
- Review clients’ creditworthiness and ensure credit applications align with policy.
- Prepare and submit daily, quarterly, and ad hoc reports to the department manager.
- Perform semi-annual title deed reconciliation and share with the department concerned.
- Review and approve payment release and collateral management requests.
- Ensuring loan and credit card processing follows consumer finance terms and conditions.
- Coordinate with relevant departments to resolve issues arising.
- Ensure all legal and customer documents are correct, relevant, and signed by the necessary parties.
- Contact customers’ employers to validate details of the Credit Risk Control Policy.
- Ensure accurate data entry into the system.
Accountant Intern
Dividend Gate Capital
09.2018 - 11.2018
- Reconciled nostro and call accounts.
- Prepared and posted accounting journal entries.
- Assisted with financial data collection and record maintenance.
Accountant (Internship)
Dividend Gate Capital
09.2018 - 11.2018
- Reconciling nostro and call accounts.
- Preparing and passing entries.
- Data collection and inputting.
Financial Controller Intern
SICO Capital
07.2018 - 09.2018
- Prepared journal vouchers and supported accounting operations.
- Assisted in account reconciliations and financial data verification.
Financial controller (Internship)
SICO Capital
07.2018 - 09.2018
- Preparing journal vouchers.
- Data inputting.
- Reconciling nostro and call accounts.
Education
Bachelor's Degree - Accounting
University of Bahrain
Skills
- MS Office Applications
- Management Information Systems
- Credit Risk Systems
- Data Analysis and Reporting
- Analytical Thinking
- Decision Making
- Time Management
- Attention to Detail
- Team Collaboration
- Communication Skills
Certification
- Advanced Diploma in Islamic Finance (ADIF), In Progress, September 2025 – September 2026
- Associate Professional Risk Manager (APRM), May 2024 – December 2024
Timeline
Underwriting Quality Review Officer
Bahrain Commercial Facilities Company
10.2024 - 01.2026
Underwriting Quality Review Officer
Bahrain Commercial Facilities Company
10.2024 - 01.2026
Credit Risk and Control Officer
Bahrain Commercial Facilities Company
04.2019 - 09.2024
Credit Risk and Control Officer
Bahrain Commercial Facilities Company
04.2019 - 09.2024
Accountant Intern
Dividend Gate Capital
09.2018 - 11.2018
Accountant (Internship)
Dividend Gate Capital
09.2018 - 11.2018
Financial Controller Intern
SICO Capital
07.2018 - 09.2018
Financial controller (Internship)
SICO Capital
07.2018 - 09.2018
Bachelor's Degree - Accounting
University of Bahrain