credit analyst
Citibank
Total years of experience :12 years, 5 Months
• Adhere to company’s credit policy, procedures and directions. Report overriding credit policy incidents.
• Review new & existing credit application, analyze all documents, report on any deviation, and ensure that approvals are based on complete receipt of the requirements as per company credit policy.
• Review and revise contracts & credit granting limits and advise on any potential risk deals. Provide the most achievable solution to proceeds with the contracts credit sale (in case applicable).
• Analyze and assess the financial statements and credit history of new & existing clients and any affiliated accounts.
• Provide credit recommendations tied to analysis and assessment of credit risk.
• Evaluation of customer credit worthiness by means of financial Statements, cash flows and profile analysis.
• Development, designing and exercise of various short processes to expedite the performance towards set targets.
• Worked as SME (Subject Mater Expert) in various project implemented in Credit Initiation Unit such as Emirates ID prescreening, EFTS system and to install robotics to straight through the approvals without human intervention.
• Assesses the completeness and quality of initial “Know Your Customer” (KYC) documentation for new high- risk customers to ensure that required enhanced due diligence efforts and documentation are in accordance with applicable policies
• assisting RMs/SRMs/ in day to day servicing of the relationships and co-coordinating the administrative functions to assist senior members of the Team
• Being a BUCO I am authorized for Level1 checker to clear the NESS ( Name screening) hits in CIU, • Highlight the company’s worthiness by having market information through various online.
• Ensure that Audit requirements are met as per policies and procedures.
• Ensures regular feedback and clarity of communication to sales regarding daily application thru’ immediate supervisor.
• Maintaining communication reports on weakly monthly basis of significant credit changes.
• Ensures communication with collection on related issues thru’ immediate supervisor.
• Shows initiative in process improvement and suggests alternative methods of managing workload.
• Provides competent, problem-free and timely service to customers both internal and external.
• Ensures that all applications pass all verification tests.
• Enhances product knowledge and awareness (self and others),
• Maintains strict confidentiality on all accounts and bank’s products and policies.
• Be vigilant enough to identify fraudulent/ forged documents or incorrect information and reports to all concerned people for further investigation.
• Keeps environmental awareness in the department.
• Completes all duties/tasks assigned by the Unit Supervisor on timely basis.
• Ensures that Key performance indicators are met & exceeded.
• Other risk proficiency with compliance and Fraud Department.
• Ensure quick and accurate adaptation to any process flow changes decided by the management to optimize efficiency.
• Highlighting process gaps with timeliness.
• Training and development of new hiring on various functions performed for evaluation of applications.
• Monthly CAP monitoring of product segment mix.