Ghassan Naeem

1) Approve loans within specified limits, and refer loan applications outside those limits to management for approval.

2) Meet with applicants to obtain information for loan applications and to answer questions about the process.

3) Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.

4) Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.

5) Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.

6) Review and update credit and loan files.
7) Review loan agreements to ensure that they are complete and accurate according to policy.

8) Compute payment schedules.

9) Stay abreast of new types of loans and other financial services and products in order to better meet customers' needs.

10) Submit applications to credit analysts for verification and recommendation.

11) Handle customer complaints and take appropriate action to resolve them.

12) Work with clients to identify their financial goals and to find ways of reaching those goals.

13) Confer with underwriters to aid in resolving mortgage application problems.

14) Negotiate payment arrangements with customers who have delinquent loans.

15) Market bank products to individuals and firms, promoting bank services that may meet customers' needs.

16) Supervise loan personnel.

17) Set credit policies, credit lines, procedures and standards in conjunction with senior managers.

18) Provide special services such as investment banking for clients with more specialized needs.

19) Analyze potential loan markets and develop referral networks in order to locate prospects for loans.

20) Prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action.

21) Arrange for maintenance and liquidation of delinquent properties.

22) Interview, hire, and train new employees.

SABB Bank
2012 to Present
Provide support to loan officer and underwriter teams by ensuring the timely, judicious and accurate processing of mortgages. Review and verify borrowers' income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal. Ensure compliance with company policies, underwriting guidelines and lending-program requirements.


• Appointed in companies, handling an average of 40 files monthly.
• Outperformed company average in achieving loan-processing turn-around time of 7 days or less (compared to typical 10 to 12 days)
• Provided expedient service cited as key to consistently high customer satisfaction.
• Ensured all files were complete prior to underwriting hand-off and coordinated effectively with title companies to ensure smooth closings.
• Successfully processed some of the most challenging loan applications (e.g., first-time borrowers, Topup applicants and borrowers with problematic credit histories)