Credit Analyst
Saudi Home Loans
Total years of experience :18 years, 8 Months
Responsibilities:
• Underwrite applicant's credit worthiness, following the credit policy, criteria and procedures.
• Validate all file application documentation, review property evaluations, title deeds and verify loan origination system data integrity.
• Work closely with operations and sales staff to provide complete applications for submission to Credit Department.
• Make credit recommendations and ensure program eligibility and compliance with credit guidelines.
• Conduct initial and 2nd review of all loan applications submitted by business channels and submit recommendations to the appropriate credit authority in a concise and timely manner to achieve the twin goals of business growth and high quality of assets.
• Review, on a continuing basis, the credit analysis function and loan origination software and submit recommendations for credit process improvement in quality.
• Monitor and ensure the compliance of submitted credit conditions by applicants and business channels as per the procedures and requirements specified by the organization
• Ensure timely and accurate preparation and submission of reports (e.g. pipeline updates, credit commitment expiry reports, exceptions, etc.) as required from the organization.
• When required, assist or handle the responsibilities of other functionaries in matters relevant to credit risk function.
• Gave suggestions in improving a credit structure.
• Responsible for cash flow analysis and financial statements analysis.
• Estimated on the real estate valuation.
• Review and analyzing of all statements of accounts for the companies and private owners who wish to have a loan and Review the financial statements.
• Write and evaluate all the real estate finance exceptions and writing the appropriate recommendations, acceptance and rejection on behalf of the credit department.
• Reviewed, evaluated and synthesized data to ascertain loan viability and identified risk issues and potential fraud.
Analyze current credit data and financial statements of individuals to determine the degree of risk involved in lending money. Prepare reports with this credit information for use in decision-making.
Responsibilities:
• All previous tasks.
• Review and analyzing of all the re-book cases.
• Prepare the ExCom exception ratification reports.
• Report to management, through the appropriate channels, any/all exceptions/non-compliance and events that could impact on the quality of SHLs portfolio and/or profit or loss results.
• Assisted in identifying, recommending and/or negotiating loan requirements, funding and/or loan structuring solutions.
• Work necessary reports by creating reports to ensure work safety and restriction of all credit conditions while maintaining the high quality of loan applications.
• Providing and coordinating all credit card operational activities including issuing cards; establishing and approving credit limits; ensuring quality service and effective support for all customers; and generating reports for senior management on all activities.
• Processing all credit card transactions including issuance, maintenance and authorization in accordance with the credit card processing procedures.
• Reviewing, analyzing and evaluating private client financial SIMAH reports to determine credit limits or to assess client's reliability and profitability. Implementing risk assessment and fraud control strategies.
• Interfacing with related staff members such as sales manager, relationship manager and corporate relationship manager to resolve all credit issues; ensuring customers' requests, inquiries and complaints are attended and responded to in timely manner.
• Participating as a member of credit card committee in reviewing card operation systems, and procedures. Recommending new methods to make daily operations more efficient and developing procedures to effect products/ services.
• Coordinating credit card campaigns, programs and special events for special agents; performing presentations to acquaint customers with new products/services, and to keep them informed of any changes and developments.
• Maintaining knowledge of all products and services provided by the division and keeping abreast of new developments, ideas or technology improvements pertaining to credit card operations.
• Interviewing screening and hiring new employees. Supervising and evaluating staff members, assigning tasks, and developing training programs to ensure ongoing performance development.
• Checking the document checker works.
• Assessment customer credit limit
• Approving the cases in the system.
• Studying customer application and revealed there had been any fraud in the statements of the customer.
Imam Mohammed bin Saud Islamic University, I have been studying economy
4.39 / 5 Very good with honors second