Portfolio Officer
United Arab Bank
Total years of experience :15 years, 9 Months
Retention of Mortgage & PL customer
Managing Insurance portfolio & Attrition portfolio
Generation of reports for product department used for the revenue generation
Generation of reports for rewards fulfillment
Managing the Islamic & conventional portfolio by preparing various reports for product department
Sadara & Business Banking reporting
Generation of reports to provide the support to Central Bank
Adhoc report generation for product department and central bank
Asset & Liability Analysis
Finn one - Credit System to manage the full credit portfolio
Generating MIS Reports using data warehouse
Generation of reports for collection department used to improve and judge the customer financial status
Generation of reports for credit department used for the modification of policy and procedures as per current market structure
Looking after monthly allocation of both collection and loss accounts (product cards and loans)
Managing the Islamic portfolio by preparing various reports for credit and collection department
Forecast of provision structure for all Islamic products including mortgage portfolio
Generation of reports to provide the support to Central Bank
Adhoc report generation for credit & collection department and central bank
Central Bank Reporting - Analysing the financila stability of UAE market for retail product to meet the central bank guidelines
Vintage Recovery Analysis & Forecasting of retail products
Generating financial performance reports using Excel for submission to top management to enable strategic decision making
Conducting risk analysis and scrutinizing relevant documents like before sanctioning / disbursing various kinds of credits while ensuring compliance with organisational credit policies
Mortgage Portfolio - Analysing the mortgage portfolio for provisioning
Product Cube - Develop monthly portfolio analysis of retail product i.e. Credit Cards, Mortgage, Retail Auto & Personal Loan
Mapping as well as making use of the available resources for preparing the potential credit plans database.
Performing verification of books of accounts to detect any possible fraud and ensuring that accounts prepared are both reliable & prepared in accordance with set guidelines.
Database for internal control systems / procedures, preparing audit reports with a view to highlight the shortcomings and implementing necessary recommendations.
Supervising data verification and field investigation activities to obtain accurate information to assess creditworthiness of the clients.