Credit Analyst
Arab Bank PLC
مجموع سنوات الخبرة :16 years, 1 أشهر
*Analysing, studying and approving Loans (Mortgage, Personal, Auto loans) and credit cards), by giving credit recommendation as per delegation to ensure credit evaluation is done properly.
*Ensure escalation of applications as per approved delegation & deviation authorities of the Bank.
*Doing the customer’s phone verification (CPV) and the company’s phone verification while studying the cases.
*Issuing Auto Loans LPO’s after studying and approving Auto Loans application.
*Recheck all loans applications before sent them to archive & to confirm all of them disbursed on customer accounts as approved & to control ultimo’s user.
*Communicate with other departments like legal, corporate, private …in order to enhance credit approval.
*Handling all approvals of staff loans.
*Prepare & maintain various reports as required by the department.
*Handling all issues related to electronic cheques clearing and giving needed approvals.
*Handling all DDS (Direct Debit System) cheques.
*Studying all application regarding release or change of collaterals, PDCs & getting recommendation to credit Manager.
*Reviewing and approving all customers’ requests of loans full & partial settlement and installments postponement.
*Handling any other tasks assigned directly by Retail Credit Manager.
*Achieving Sales Targets.
*Receiving calls and dealing with customer inquiries.
*Handling queries and complaints in a professional manner.
*Ensuring Customer Satisfaction.
*Receiving calls and dealing with customer inquiries.
*Screening and following up with potential recovery customers.
*Achieving Targets consistently.
*Providing customers with competent, timely and error free services and maintaining healthy relationship with existing customers.
*Handling queries and complaints in a professional manner.
*In the failure communication cases with un-contactable customers to present their security cheques and start the police cases as per the procedures of the U.A.E law.
*To communicate (when needed) with the lawyer to file police cases and civil cases against the skip and delinquent customers.
Recommend solutions and strategies to delinquent customers.
Providing customers with competent, timely and error free services and maintaining healthy relationship with existing customers.
Managing a portfolio of 250-350 accounts.
Screening and following up with potential recovery customers.
Routing out non-contactable customers after in-depth scrutiny.
Involves after sales service advising the customer to use the card judiciously.