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Osama Atiya is a seasoned financial professional with extensive experience in credit risk management and analysis. Currently serving as a Senior Credit Risk Manager at United Arab Bank since August 2013, Osama specializes in analyzing business proposals, conducting comprehensive risk assessments, and advising senior management on financial options. Previously, Osama held the position of Senior Credit Analyst at First Gulf Bank, where responsibilities included analyzing customer financial histories and recommending actions for delinquent accounts. Early career roles included customer service positions at the National Bank of Dubai and Mashreq Bank, focusing on assisting clients with various banking services. Osama Atiya holds a Bachelor’s Degree in Computer Information Systems from Ajman University.