Credit Analyst
Arab National Bank
Total years of experience :15 years, 2 Months
- Analyze/package/structure loan application for approving authorities
- Do the financial spreads using Moody’s
- Write loan/line establishment/renewal recommendations/memo for special transactions
- Identify risks and provide mitigations
- Prepare the monthly Credit Risk Self-Assessment using SAS
- Coordinate the Credit Facilities requirement of various projects
- Prepare the Project Cashflow Statement and other pertinent papers for submission to the Bank
- Involve in the documentation process of the syndicated loan, bi-lateral loan establishment
- Consolidate the monthly treasury report and cash forecasting of ACC Group
- Suggest measure to curb Bank charges
- Assist the Treasurer in generating multi-billion syndicated credit facilities for the company
- Worked in tandem with a Relationship Manager to generate over Dhs 1.0 Billion loan portfolio (funded and non-funded) for the Branch
- Handled / participated in over Dhs 200 Million in Syndicated Loans
- Pioneer lending officer of the Branch
- Established a distinct style of Credit Approval Memorandum for Dubai Branch
- Implemented the Credit filing system and Credit monitoring of the Branch
- Assisted the Retail Banking Group in screening some of the housing loans
- Actively voiced out credit concerns to weed out potential problem accounts
Accomplishment:
- Handled the the biggest loan portfolio by any Relationship Manager in the Center
- Loan portfolio value : P 1.7 Billion of Center’s P 3.5 Billion loan portfolio (accounts are large corporation and middle market; not SMEs)
- Introduced the use of internet research in writing Credit Proposal for approval
- Lead the setting of loan interest pricing
- Generated deposit volume for the Bank
- Cross sell cash management products, bancassurance products - life and non-life insurance, and treasury hedging instruments - forward, and swaps
- Supervise the work of 2 marketing assistant
Job Role:
- Analyzed/packaged loan accounts for approving authorities
- Interviewed clients and conducted ocular inspection of plants and warehouses
- Did financial spreads
- Wrote loan/line establishment/renewal recommendations
- Coordinated with different bank units on the releases, renewal of loan; opening and negotiation of Domestic/Import and Export LCs; issuance of guarantees; See through the opening of CASA or short term deposit accounts and other related cash transactions
- Monitored the documentation of the loan accounts
Bachelor of Science in Commerce, Major in Accounting