Sr. Credit Analyst/ Credit Manager
National Bank of Abu Dhabi
Total des années d'expérience :16 years, 2 Mois
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.)
National Bank of Abu Dhabi (NBAD) 2004 - up to date
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.
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.
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.
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.
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
bachelor Degree form Bombay University with 2nd Class graduation in 1992
* M. A Degree of Arts (Economic) 1996, T.M.V. University, Poona, India
* Computer Science Diploma. India * Financial Accounts Diploma, India * MS Office Diploma, India. * Principles of Works in Islamic Banks (ITCD) Abu Dhabi