credit operation
RAK bank
Total years of experience :16 years, 3 Months
o Ensure all day to day activities are in compliance with Anti-Money laundering and other regulatory
requirements lay down internally and by Central Bank.
o Completion and Verification of Mortgage documents.
o Issuance of LC for Mortgage Loan.
o Process of Term Deposit Placement and Withdrawal.
o Process of Demand Draft for buy-out mortgage loan.
o Review, evaluate & screens all credit application & proposals submitted to credit analysts to process
Settlement for the customers.
o Carry out all operational tasks, ensuring all activities are completed within timescales and with a high
degree of accuracy while adhering to Banks policy and process.
o Liaise with Credit and Operations regularly to ensure timely disbursal of approved cases and clear off
any rejected or on hold requests.
o Handling complaints and escalations received from all sources & ensure it is addressed appropriately.
o Timely resolution of complaints in coordination with Credit & Operations.
o Maintain status tracker & progress updates pertaining to TESS Loan and TESS REHAB (REHAB Cases,
Impact Document Proof Data, Initiator Reject Queue Data, Return To Client Data)
o Review, evaluate & screens all credit application & proposals submitted to credit analysts to process
Settlement for the customers.
o Be actively involved in analyzing and upgrading the collection MIS as per the Standards/requirements.
o Escalate promptly if any irregularities/incident that may lead to risk or financial loss.
o Identify and recommend improvements to existing procedure and processes, suggest changes for
improving controls and reducing cost without compromising on service quality.
o Maintain awareness of the departments Business Continuity Plan, review and highlight changes if any
and undertake appropriate training to ensure correct action is taken in the event of an incident or
disruption.
o Perform any other duties or tasks required or instructed by the officer / manager to support the smooth
operation of the department.
joan_mortilla@yahoo.com
B. Company: National Bank of Ras Al Khaimah(P.J.S.C)
Industry/Profile: Collection Officer
Duration: From Mar 2021-May 2023
Role: Collection & Recovery, Restructure, Debt Counseling
Key Responsibilities
o Streamline and review of loan accounts for restructure proposal on the basis of delinquency
o Streamline and review of loan accounts for restructure proposal on the basis of delinquency bucket.
o Analyze and assess the creditworthiness of defaulting customers using external credit bureau report, financial assessment & internal information.
o Negotiate and agreeing on with customer on the restructure or settlement plan.
o Obtaining necessary approval from the management for the restructure proposal.
o Contact point verification for the restructure proposal accounts.
o Cross checking of possible skip clients and reporting the same.
o To ensure the adequacy & effectiveness of policies, procedures and ensure adherence to the bank’s internal policies/ guidelines provided from time to time.
o Managing customer complaints and follow up with concerned team to resolve the issue.
o Contacting signatories of primitive loan accounts and make them aware of the due date.
o Responsible for retrieval and bouncing of security cheque of default and non-cooperative clients.
o Contacting customer regarding the proposal and making them understand the terms and conditions.
o Preparation of reschedule proposal and forms.
o Liaison with Credit team pertaining to loan restructure proposal and to solve the discrepancy if any in the case.
o Coordinating with the operations team with regards to the disbursement and settlement of the restructure accounts.
• Responsible for leave monitoring and updates
• Handles all employees mobile and contract application/cancellation issues
• Managing payments of Etisalat, Dewa, Salik, and internet
• Prepares monthly Etisalat report
• Prepares monthly Petty cash
• Maintain HR/ Admin file of internal employees.
• Responsible for hotel and flight booking of employee.
• Process visa application for business trip of employee.
• Preparing weekly report and headcount.
• In charge of daily courier and bills.
• Deals and negotiate with vendor and suppliers for office and marketing related materials
• Coordinating, negotiating residence renewal for the contractors
• Provides administrative assistance to Logistic /Operations Department and Business Development
• Manager for mobilization and demobilization of employee
• Administrating office functionaries such as personal files, operate office equipment including printers, photocopies, scanner, fax machine; preparing invoices and arranging collection.
• Answering and dealing with incoming and outgoing telephone calls, take messages, or transfer calls to appropriate office personnel, used to sort and distributing the incoming and outgoing email into a relevant department.
• Prepare minutes of the meeting for Business Development Managers.
• Preparation of weekly report to submit to finance.
• Formatting CVs for client send out using company format.
• Issuance of offer letter, bank letter, NOC.
• Coordination with the candidate for collection of signed offer letter, employment contract and logistic facilities related to employee’s mobilization and demobilization.
• Process on-boarding of new hire employee.
• Creation of candidate of profile in system and uploading of necessary documentation
• Creation of cost sheets based on working cost from Commercial team.
• Creates new client data base on the system.
• Supports to finance department for collection of vendor invoices and receipt confirmation of sales invoices form the client.
• Responsible for documents includes PO, A/R, O/R and other client related business expenses to support finance department.
• DMCC portal- Top up and uploading, submitting documents in person
• Assisting PRO any required documents and using DMCC portal for visa processing, visa cancellation etc.
• Perform other responsibilities related to the position as appropriate.
• Responsible for in-house selling and cross-selling of other bank products and services to all bank customers.
• Responsible for managed account portfolio with clear targets.
• Processes opening of new peso / dollar CASA accounts and placements, roll-over / renewal, termination, payment of matured placements for all SBC products.
• Ensures prompt and efficient service delivery in compliance with service standards of the Bank.
• Attends to customer’s inquiries on account opening, product features, minimum balance requirements, pricing, service charges, balance inquiries, etc.;
thesis on online ordering website