credit evaluator
National Saudi Bank
Total years of experience :19 years, 0 Months
• Analytical and administration - Ensuring credit worthiness of Corporate and Retail borrowers by analyzing, reviewing and processing cases based on customer's profile, employment status and industry, financial position, existing liabilities, accounting and financial analysis concepts, aggregate exposure and capability of repayment.
• Corporate Credit Analysis - Evaluate the performance of a company based on qualitative and quantitative frameworks and tools that Identify the key factors that drive a company's future performance and evaluate the likely impact on its credit standing
• Fraud Detection - Efficiently perform fraud risk analysis to prevent and minimize the loss through reviewing and escalating analyzed findings with personal judgment to management to determine appropriate action.
• Compliance & Operational - Verifying and monitoring the authenticity of the facilities proposed whilst corroborating to financial and non-financial parameters with adherence to governance procedures, and encompassing acceptable risk rating for the department for all internal and external audits.
• Evaluation and management - Strict adherence to Contact Point Verification (CPV) completion to support the full evaluation of cases and ensuring accuracy of daily/monthly data capture for MIS reports, whilst conducting internal self-audit on processed cases thus achieving risk minimization for audit;
• Risk management and problem solving - Examining customer's records with Central Bank Report, Internal Negative list, Collection & Blacklist to minimize risks associated with customer's integrity, credibility, repayment history and relationship with other banks.
• Risk and lending - Transactional approvals/declinations and applying the necessary risk processes to comply with banking credit policies and procedures, whilst implementing the criteria approved by delegated authorities i.e. product department and higher management;
• Compliance and execution - Ensuring deviation approvals from product and credit parameters as per the delegated authority matrix and in conjunction with management directives;
• Documents authenticity and Process efficiency - identifying and highlighting all fraudulent activities thereby reducing risk exposure and increasing quality of analysis whilst observing reduction in error rates
• Quality assurance - Strict adherence for quality of authenticated documentation and policy parameters including detailed credit narrations and to facilitate management approval and to ensure appropriate level of productivity output to enhance within given resources in times of peak load (month ends, promotions etc.);
• Compliance risk management and problem solving - Examining customer's records with Central Bank Report, Internal Negative list, Collection & Blacklist to minimize risks associated with customer's integrity, credibility, repayment history and relationship with other banks;
• Communications - Abiding to Standard Operating Procedures (SOP) to maintain a high level of excellence for customer service.
Credit analyst of self employed, salaried customer for personal loans
Managing the daily number of personal loans applications with the specified turn average time to maintain maximum level of efficiency with minimum errors
Involved in daily / monthly management reports for the Personal loan unit
Handling daily liability / no liability / clearance letters requests from branches
Handling postponement of monthly installment according to bank policy
Assist on cards and auto loan analyst when load is high
Got an award as the best credit analyst in first quarter of 2006
Dean's List - GPA 3.79