mohamed omer, Sr. Credit Analyst/ Credit Manager

mohamed omer

Sr. Credit Analyst/ Credit Manager

National Bank of Abu Dhabi

Location
United Arab Emirates - Abu Dhabi
Education
Master's degree, M.A in Economics
Experience
16 years, 2 months

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Work Experience

Total years of experience :16 years, 2 months

Sr. Credit Analyst/ Credit Manager at National Bank of Abu Dhabi
  • United Arab Emirates - Abu Dhabi
  • January 2009 to February 2014

Position: Sr. Credit Analyst/ Credit Manager (2009- till date)
Consumer Processing Unit-DBD Credit & Risk-H.O
Duties and responsibilities: * participated in establishing new Retail Credit Operations Unit at Head Office responsible for centralized credit approval and operations and credit administrations for all UAE branches in 2009
* participated in the discussion meetings with vendor for implementing new system for the unit and signing the discovery documents and approved process maps for the workflow system
* Providing Approvals for all retail credit applications received from all UAE branches
* Preparation of deviation/exceptions sheet
* Analyzing review credit proposals received from source channels and providing approval within DP
* Analyzing term loans proposals and recommending for approval
* Reviewing, analyzing and submitting exceptions proposal for approval
* Distribution of proposals of retail facilities credit received form sourcing channels among the analyst
* Preparation and submission of daily reports of proposals received distributed within the unit
* Follow up with branches of proposal received and ensure the decision taken within TAT
* B signing power
* Aggregate DP up to 1.1 Millions for all retail credits (PIL, Motori, Overdrafts, etc.)

at National Bank of Abu Dhabi
  • United Arab Emirates
  • January 2004 to February 2014

National Bank of Abu Dhabi (NBAD) 2004 - up to date

Senior Credit Analyst/Credit Manager-Retail at NBAD
  • United Arab Emirates - Abu Dhabi
  • September 2004 to December 2013

 participated in establishing new Retail Credit Operations Unit at Head Office responsible for centralized credit approval and operations and credit administrations for all UAE branches in 2009
 participated in the discussion meetings with vendor for implementing new system for the unit and signing the discovery documents and approved process maps for the workflow system
 Providing Approvals for all retail credit applications received from all UAE branches
 Preparation of deviation/exceptions sheet
 Analyzing review credit proposals received from source channels and providing approval within DP
 Analyzing term loans proposals and recommending for approval
 Reviewing, analyzing and submitting exceptions proposal for approval
 Distribution of proposals of retail facilities credit received form sourcing channels among the analyst
 Preparation and submission of daily reports of proposals received distributed within the unit
 Follow up with branches of proposal received and ensure the decision taken within TAT
 B signing power
 Aggregate DP up to 1.1 Millions for all retail credits (PIL, Motori, Overdrafts, etc.)

 Perpetration of Building loans (Escan) proposals and loan processing.
 Preparation of AD1 and proposition packages and Processing of Term loans /Rental and Escan loans
 Achieving the monthly pre-planned target.
 Identify & develop lending opportunities within catchment area with prime objectives being increase credit portfolio based on sound credit principles.
 Maintain high level of credit administrations.
 follow up of payments schedule form contractors for Escan loans
 Possessing and follow up of default payment for credit cards.
 Processing of all Personal loan applications from customer interview to disbursement of loan, authorization of loans
 All other credit related work and Arabic/English typing
 All credit facilities related to corporate accounts.
 Preparation and processing of all types of letter of guarantees
 Diagnose early warning signals and initiate prompt remedial measures.

Accounts Relationship Officer at NBAD- Al- Muroor Branch
  • January 2004 to January 2009

NBAD- Al- Muroor Branch
Position: Accounts Relationship Officer (2004-2009)
Duties & Responsibilities: * Perpetration of Building loans (Escan) proposals and loan processing.
* Preparation of AD1 and proposition packages and Processing of Term loans /Rental and Escan loans
* Achieving the monthly pre-planned target.
* Identify & develop lending opportunities within catchment area with prime objectives being increase credit portfolio based on sound credit principles.
* Maintain high level of credit administrations.
* follow up of payments schedule form contractors for Escan loans
* Possessing and follow up of default payment for credit cards.
* Processing of all Personal loan applications from customer interview to disbursement of loan, authorization of loans
* All other credit related work and Arabic/English typing
* All credit facilities related to corporate accounts.
* Preparation and processing of all types of letter of guarantees
* Diagnose early warning signals and initiate prompt remedial measures.

Senior Clerk at ADCB
  • United Arab Emirates - Abu Dhabi
  • January 2001 to August 2004

 Worked in Current Account Dept, Opening of all account type
 Credit Dept, loan processing, credit card, commercial application.
 LG dept, opening and processing of LG Application.
 Back office and report checking and teller transaction checking.

Sr. Clerk at Abu Dhabi Commercial Bank (ADCB)
  • United Arab Emirates
  • January 2001 to January 2004

Abu Dhabi Commercial Bank (ADCB) 2001-2004
Position: Sr. Clerk
Duties and Responsibilities: * Worked in Current Account Dept, Opening of all account type
* Credit Dept, loan processing, credit card, commercial application.
* LG dept, opening and processing of LG Application.
* Back office and report checking and teller transaction checking.

Admin Assistant at First Gulf Bank (FGB)
  • France
  • January 1998 to December 2000

First Gulf Bank (FGB) 1998-2000
Position: Admin Assistant
Duties & Responsibilities: * All admin related work in Treasury and Investment Division
* Perpetration of FX rates and forward it to the Branches.

Courses Attended: * Credit Seminar, Ruwais 6, 7 August 2002
* Anti-money laundering training, Abu Dhabi
* Retail Credit Program, 4-5, June 2006,
* Escan (building loans) program, 2006
* Telephone and communication skills
* Remedial Advances & reporting, 17-18, 03/2007, Abu Dhabi.
* Financial statement analysis. 4-8, May 2008. Abu Dhabi
* Financial statement analysis-2, 22-30 Sept 2010
* Effective report writing June, 29-30 2010
* Managing changes
* Maximizing your Time 21 April 2011
* Leadership Journey -Phase-1, 2012

Education

Master's degree, M.A in Economics
  • at TMV University
  • July 1996

bachelor Degree form Bombay University with 2nd Class graduation in 1992

Master's degree,
  • at T.M.V. University
  • January 1996

* M. A Degree of Arts (Economic) 1996, T.M.V. University, Poona, India

Bachelor's degree, Computer Science

* Computer Science Diploma. India * Financial Accounts Diploma, India * MS Office Diploma, India. * Principles of Works in Islamic Banks (ITCD) Abu Dhabi

Specialties & Skills

Customer Service
Proposal Analysis
operations
Retail Banking
CLERICAL LOAN
EXCEPTIONS
LOAN PROCESSING
OPERATIONS
PROPOSALS
RETAIL CREDIT
REVIEW CREDIT
 Excellent computer skills and typing speed
 Excellent communication and interpersonal skill.
 Professional Managerial and administrative skills

Languages

Arabic
Expert
English
Expert
Arabic
Expert
English
Expert

Training and Certifications

yes (Certificate)
Date Attended:
April 2010
Valid Until:
April 2010
yes (Certificate)
Date Attended:
June 2006
Valid Until:
June 2006
yes (Certificate)
Date Attended:
January 2010
Valid Until:
January 2010
yes (Certificate)
Date Attended:
June 2010
Valid Until:
June 2010
yes (Certificate)
Date Attended:
March 2007
Valid Until:
March 2007
yes (Certificate)
Date Attended:
September 2010
Valid Until:
September 2010
yes (Certificate)
Date Attended:
May 2008
Valid Until:
May 2008
yes (Certificate)
Date Attended:
August 2002
Valid Until:
August 2002