Credit Analyst Acting as Credit Officer
Bank Of Sharjah
Total years of experience :15 years, 10 Months
- Conducting in-depth analysis on companies financial statements
- Evaluating the client’s business and measuring the company’s ranking in its sector and its performance capacity
- Conducting economical and other related analysis
- Reporting to the branch’s Credit Manager
- Managing and developing corporate clients relationships through regular meetings and on-site visits aimed at identifying, assessing and meeting clients’ needs in line with their strategy
- Defining, analyzing, recommending and presenting credit approval packages for new lending proposals
- Implementing and following-up on executive committee decisions
- Participating in credit committees and contributing to the decisions related to credit requests
- Member of a team of 3 persons responsible of the credit portfolio of 7 branches.
- Analyzing credit files (Cash flows, ratios, Industry research, managerial skills…).
- Preparing and following up preliminary approvals (specially the guarantees details).
- Dealing with the branch customer services queries about credit procedures…
- Preparing BDL reports “PB02”.
- Follow up with the branch regarding missing, expired, outdated documents.
- Follow up with the branches regarding expired files.
- Ensure implementation of new or revised policies and procedures.
- Acting as a contact point for between the credit committee and the branch.
Internship at ENCOCORP Accounting Department - Learning how the accounting department is divided. - Entering data using accounting software (programmed with « virtual fox »). - Reviewing previous days activities. - Controlling the costs by verifying the procedures. - Writing financial reports using ratios.