CREDIT OFFICER
DUBAI FIRST
Total years of experience :12 years, 7 Months
• • Analyzed credit proposals and bank statements, prepared cash flow statements and credit decision memos with appropriate credit comments
• Obtained and compiled loan applicants’ credit histories thru internal/external system checks and data capturing in the system
• Submitted applications for field visit for verification and feedback
• Reviewed the credit proposals to ensure they are complete and accurate according to the policy
• Provided training to new recruits.
• Verified and analyzed an average of 15-20 Auto loan applications and documents of Salaried, Self-employed and Corporate Customers;
• Responsible for the data entry of details and created customers’ profile by checking 14 different systems to collate all the exposures of customers;
• Assisted other departments by processing Personal Loan applications and data entry of credit card applications;
• Evaluated an applicant’s personal loan request in order to determine the likelihood that the borrower will live up to his/her obligations;
• Analyzed customer’s banking statements and documentations;
• Performed various system checks to determine the degree of risk involved in extending credit and to collate all banking relationships;
• Supervised a team of 18+ people- ensured targets are met cross all products handled by the unit and ensured that work load is distributed evenly;
• Carried out Central Bank Exposure check for Business loans and performed smart checks for possible fraudulent applications;
• Monitored the attendance & managed leave applications and leave plan for the team;
• Handled and coordinated inter-department queries and customer issues;
• Trained newly-joined staff with regards to unit-related procedures;
• Assisted in updating the operating procedure of the Unit
• Managed a team of 5 people, handled their queries, maintained a record of activities of individual team members, coordinated with the officer for various reports and assignment;
• Contacted irregular customers and took steps to reduce delinquency;
• Conducted international calling and follow up of non-contactable cases;
• Checked and confirmed skip cases and sent emails for skip coding;
• Provided feedback and recommendations for reactivating cards and renewal of cards when required;
• Acted as in-charge in the absence of the Officer.
• Handled delinquent customers for the payments in the auto-dialer environment;
• Initiated reversal of penalties and charges as requested by the customers, subject to the policy on reversals as part of the settlement process;
• Updated customer details and contact numbers on the system;
• Routed out non-contactable customers to the skip trace unit.
• Accomplished clerical activities assigned and adhering to set productivity and accuracy standards and schedules;
• Analyzed documents and carried out instructions according to job specifications and standards;
• Checked and corrected coded source documents for possible errors;
• Edited checked jobs after document analysis and data conversion, proofread keyed documents.