Jilmar Talara

Company Information:
It is a Public Joint Stock Company incorporated in Emirates of Abu Dhabi . Established as one of UAE’s first independent financing companies . Started its operations in July 18, 2004 with principal activities consist of investment, consumer and commercial financing. It has 3 branches that served the entire UAE.

Functions:
» Front Liner of the company. Conduct cold callings, identify, evaluate potential clients and offer loan services. Underwrites the credit worthiness or risk of every potential borrower. Check the borrower’s ability to repay the loan based on analysis of their credit history and capacity prior sending for approval. Attend all Inbound calls for any inquiries/ complaints and find solutions to meet the customers satisfaction. Monitor and update client until the loan is disbursed. Maintain relationship after sales.

» Front Liner of the company. Conduct cold callings, identify, evaluate potential clients and offer loan services. Schedule meeting/appointment with the customer.Underwrites the credit worthiness or risk of every potential borrower. Check the borrower’s ability to repay the loan based on analysis of their credit history and capacity, prior sending for approval. Attend all Inbound calls for any inquiries/ complaints and find solutions to meet the customers satisfaction. Monitor and update client until the loan is disbursed. Maintain relationship after sales.

» Assist the Manager in the over-all operations of the bank.Supervised the Business Center-Loans and Credit. Analyze and Underwrites all loan applications, sign and recommend for approvals.Ensure to maintain loan portfolio to meet the company’s expectation.Represent the two branch and defend/justify all loan applications recommends for approval in the Executive and Board Meetings.Visit and monitors all bank financed project to ensure collections/payment.Handle banks foreclosed/acquired properties for disposal.Represent the branch during in any court litigation.

» Overall in charge of all documents of every borrowers that covers the following: Transfer Certificate of Title (Land) and Condominium Certificate of Title held as collateral to their respective loan; Certificate of Registration of all Financed vehicles and Insurance Policy on Building and Vehicle. Over all in charged of Insurance Policies and CLAIMS. And all other related documents which strictly held confidentiality.

» Underwrites the credit worthiness or risk of every potential borrower. Checks the borrower’s ability to repay the loan based on analysis of their credit history, collateral and capacity, prior sending for approval respective committee .Conduct field evaluation together with the Credit Investigator and Appraiser for further evaluation of their loan proposal.Gather reports from the Credit Investigator and Appraiser and signed for final recommendation.Handles banks foreclosed/acquired properties for disposal.

Represent the branch during or any court litigation.Monitors the documentation procedure to ensure release of loan proceeds.Ensure completion of loan documents after release of loan.Deliberates on problem accounts and offer possible solutions which may be discussed with clients such as restructuring, etc.

» Underwrites the credit worthiness or risk of every potential borrower. Checks the borrower’s ability to repay the loan based on analysis of their credit history, collateral and capacity, prior for endorsing the Loans and Marketing Officer for further assessment and evaluation.Conduct ocular inspection of their existing business as source of their repayment for evaluation.Once approved, prepare documentation process; prepares the credit implementation ticket to ensure prompt release of loan proceeds. Computes for the net loan proceeds and verifies correctness from accounting. Personally attends to clients for signing of loan documents and actual release of loan proceeds.Visit projects and monitors business progress and collection performance.

» Conduct cold callings for credit investigation regarding exposures as to loans and deposits with bank and other financial institutions not limited to their residence address, also in some neighboring cities and provinces; if, possible visits the particular bank and gather some data and information pertaining to their loan/deposit exposure.Verifies and authenticates titled documents such as: TCT’s /OCT’s/CCT’s, Certificate of Registration, Tax Declaration, Certificate of Ownership, etc. with various government agencies such as: Register of Deeds, Assessor’s Office, LTO and other to validate information and other representations made by loan applicant. Conducts ocular inspection /investigation of properties offered as collateral.Prepare Inspection and Appraisal report.Conducts credit interviews and gather pertinent background information from individuals, agencies and financial institutions.

» Handles day-to-day transaction and balancing related to withdrawals and deposits on Savings Account and Current Account at the end of the day. Receiving deposits and payments transactions and disbursing withdrawals.