إسلام محمود

• Increase productivity of the staff and reduce resource consumption.
• Assisting the Credit Manager in monitoring risk and market trend to suggest amendment in policies when required to minimize risk & increase quality. Identify anomalies in credit policy.
• Checking and monitoring the authenticity of the facilities proposed by branches/sales and effectively ensuring that all financial and non-financial parameters are adhered with proper signoff at every stage. Ensuring timely delivery and acceptable risk rating is achieved by the department in all internal and external audits.
• Effectively managing the team and continuously striving to improve productivity rates and increase quality. Ensure delivery of quality service to internal customer within the committed turn around time.
• Ensure timely handling of all applications received at Retail Credit Department through fax and mail. Feeding of data accurately to assist MIS officer for generating of monthly MIS for tracking departmental performance.
• Ensuring quality service to internal/external customers through adherence to agreed SLA’s for processing cases. Adherence to banks policy while approving/recommending credit proposals. Incorporating professional risk assessment and other relevant aspects to facilitate decision making by the approving authority.
• To inform branches on the decision taken for deviation cases in a timely manner.
• Adherence to Standard Operating Procedures (SOP) and ensure no deviation is reported from any quarters.
• Undertake projects assigned from time to time.
• Cross functional negotiations/counter offers as and when needed.

• To ensure deviation approvals from product and credit parameters as per the delegated authority matrix
• To ensure proper use of assigned delegation authority laid down by the bank.
• Assisting AVP-Secured Assets and SME in monitoring risk and market trend to suggest amendment in policies when required to minimize risk & increase quality. Identify anomalies in credit policy.
• Checking and monitoring the authenticity of the facilities proposed by branches / sales and effectively ensuring that all financial and non-financial parameters are adhered with proper signoff at every stage. Ensuring timely delivery and acceptable risk rating is achieved by the department in all internal and external audits.
• Continuously striving to improve productivity rates and increase quality. In order to ensure delivery of quality service to external / internal customer within the committed turnaround time.
• To ensure reduction in individual and overall error rates (error rate not to exceed 1% for any month)
• To identify and highlights all fraudulent activities thereby reducing risk exposure and increasing quality of analysis.
• To ensure Compliance to quality of authenticated documentation and policy parameters.
• To ensure appropriate level of productivity output to enhance within given resources in times of peak load• To ensure Quality of detailed credit narrations and to facilitate management approval
• Analyzing and processing cases based on overall consideration of customer's profile, employment status and industry, financial position, existing liabilities, aggregate exposure to DIB and capability of repayment
• To ensure accuracy of daily/monthly data capture for MIS reports
• Incorporating professional risk assessment and other relevant aspects to facilitate decision making by the approving authority
• create and develop all daily and monthly MIS reports for all products (60 users using my system)
• UAT for new bank systems and updates

A. Retail Credit Analyst:
• handle the routine credit proposals and to reach a high level / standard of consistent good quality of under writing risk free credit decision, ensuring turn around time is met.
• To handle and add value to the credit line proposals received from Branches & Sales or other delivery channels for making accurate / adequate credit decisions.
• To ensure that all relevant information and support documents are available to facilitate the credit decision process.
• Conduct accurate credit decisions by checking the authenticity of the proposals received to protect the Bank’s assets, minimize risks and reduce losses. To ensure that all Retail Credit Applications are processed and approved within discretionary powers.
• Ensure Customer’s total exposure is within approved amount. Ensure all retail credit facility proposals are processed on time and as per the Bank’s agreed Service Level Agreement.
• Maintain good quality Analysis process and ensure timely handling of all proposals received at Retail Credit as per Bank’s Service Level Agreement.

A.Customer Service Representative
·Commitment to provide extraordinary & memorable customer service exceeding customer expectations to obtain their maximum satisfaction.
·Researching customer issues and responding via all possible correspondence; recommending changes and preparing reports for senior management.
·Establishing care program for each client that organize and manage a bouquet of products from all areas of the bank in order to provide customized and integrated solutions to the client's depositary, credit, mortgages, loans, investment, trust asset administration & planning needs, depending on his financial situation, objectives, preferences, risk tolerances & implications. Affirming policy compliance.
B. MIS Navigator
·Focusing on the highest possible sales results while providing exceptional quality service to the customer by monitoring agents’ performance, productivity, quality, trends and customer-service standards.
·Providing daily, monthly & annual analysis over all the levels for the call center activities by numbers & figures.
·Coordinating all the issues with respective departments, including: technology, management, compliance & credits departments

C. Supervisor
·Coaching team members on areas for improvement & checking for knowledge transfer and developing trends.
·Identifying & resolving problems. Accomplishing the human resource objectives by orienting, assigning, appraising, counseling & extremely supporting the agents; providing consistent disciplinary action only when needed; building a sense of trust among all.
·Responsible for coordination of all day-to-day functions including schedules, user ID's, system access, and passwords.
·Benchmarking state-of-the-art techniques of training (i. e. intranet, presentations, lectures, role-play, group discussions, etc); Making regular revisions as necessary for new products and promotions.

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