Jemshina Ameen

• Underwrote and assessed over 1, 200 commercial and retail finance applications, applying robust
financial analysis, including trend, cash flow, and debt service coverage assessments.
• Structured 100+ detailed credit proposals annually, ensuring alignment with internal policies, Central
Bank regulations and legal guidelines, contributing to consistently high approval rates and low post
disbursal risk.
• Evaluate financial statements, historical trends, projections, management performance, industry cash
flow, capital structure and collateral analysis.
• Led feasibility studies and financial modelling for project finance applications from private developers,
directly influencing multimillion AED disbursement decisions and improving project ROI predictability.
• Represented Credit Department as the lead in implementation of a new Customer Acquisition System
(FinOne - CAS), driving the preparation of the Business Requirement Document (BRD), leading testing
phases, and post go-live to user adoption - resulting in a 30% reduction in customer onboarding time.
• Reduced default risk by up to 25% through strategic restructuring of delinquent accounts, while
preserving customer relationships and enhancing portfolio health.
• Developed a standardized inhouse credit scoring model adopted across multiple business units in order to
monitor and improve credit rating criteria.
• Compiled and maintained IFRS 9 monthly provision reports covering AED 1.5B+ in exposure, ensuring
accurate classification, timely reversals, and full regulatory compliance with Central Bank reporting.
• Contributed to the wind-down of non-core portfolios worth AED 400M, using performance analytics
and risk profiling to identify exit opportunities and support executive decision-making.
• Collaborated with cross-functional teams, including Risk, IT, and Operations, to enhance internal
systems, develop BRDs, conduct UATs, and improve data accuracy and reporting efficiency.
• Monitoring departmental Key Risk Indicators (KRIs) and conducting periodic reviews of the Risk and Control
Self-Assessment (RCSA) across all departments.

• Prepared and submitted over 300 complex commercial credit proposals for SME and corporate clients,
analyzing financials, collateral and structuring facilities up to AED 50M.
• Handled 100+ real estate financing transactions - end-to-end, including application vetting, collateral
evaluation, documentation, and disbursal, ensuring full compliance with UAE Central Bank regulations.
• Assessed customer exposure across portfolios totaling AED 200M+, performing risk grading,
profitability analysis, and preparing detailed reports for credit committee approvals.
• Interfaced directly with 150+ clients, providing tailored financial structuring solutions that enhanced
engagement, reduced turnaround time, and improved customer satisfaction.
• Facilitated execution of over 250 Head Office-approved facilities, ensuring timely documentation,
accurate security lodgment, and adherence to legal standards.
• Submitted 50+ quarterly Central Bank risk reports, covering classifications, exposures over AED 250K,
and compliance metrics for audit readiness.
• Monitored 200+ active accounts post-disbursal, proactively flagging risks, justifying downgrades, and
restructuring facilities to reduce NPL risk and maintain portfolio health.

• Processed and verified over 400 commercial guarantees and standby LCs for corporate clients, ensuring
100% compliance with internal credit policies and UAE Central Bank regulations.
• Calculated LG commissions and charges for transactions adding up to AED 200M+, maintained margin
accounts, and ensured accurate posting of contingent liabilities in the core banking system.
• Controlled the renewal and expiry process for 150+ guarantees quarterly, issuing timely reminders and
updating commission entries to prevent lapses.
• Maintained documentation and correspondence for more than 300 client transactions, supporting
smooth audits and regulatory inspections.
• Handled document verification processes, reducing LG issuance turnaround time by approximately 25%
and minimizing processing errors.

• Prepared and validated over 200 liability and commission vouchers, ensuring accuracy in financial
documentation and adherence to internal controls.
• Entered and cross-checked data for 500+ legacy LC/LG records during system migration to Trade
Finance software, supporting a smooth and error-free digitization process.
• Regulated all departmental correspondence with 100+ clients and partner banks, maintaining
professionalism and ensuring timely communication on guarantee and credit matters.
• Consolidated filing and document workflows, contributing to a 20% improvement in administrative
efficiency and faster turnaround on guarantee processing.