team leader - credit Approvals
Dubai Islamic bank
Total des années d'expérience :16 years, 5 Mois
Assisting the Credit Initiation Manager in monitoring risk and market trend to suggest amendment in policies when required to minimize risk & increase quality. Identify anomalies in credit policy
Ensure timely handling of all applications received at Retail Credit Department
Proper follow-up with branches and sales to resolve pending applications (missing information, improper documentation etc).
Analyzing and processing cases based on overall consideration of customer's profile, employment status and industry, financial position, existing liabilities, aggregate exposure to DIB and capability of repayment.
Checking customer's records with Central Bank Report, Collection & Blacklist to minimize risks associated with customer's integrity, credibility, repayment history and relationship with other banks.
Assisting the Assistant Manager/Team Leader in monitoring risk and market trend to suggest amendment in policies when required to minimize risk & increase quality. Identify anomalies in credit policy.
Ensure deviation approvals from product and credit parameters as per the delegated authority matrix.
Analyze & process personal finance applications
Ensure that appropriate credit checks are done &should consistently abide by the terms laid down in the credit policy.
Handling the distribution of fresh & back to credit cases to the team
Ensure that all the applications are processed within an acceptable turnaround time
Ensure escalation of applications as per approved delegation and deviation authorities of the bank
Should escalate applications where-ever there suspicious transactions or documents
Review documentation from credit policy and legal fulfillment perspective, and escalate for approval if required
Assist in preparation of requisite MIS reports
Approvals/rejections/deviations etc. as per policy
Checking and posting deals through system.
Deducting the downs payment from the accounts of D.I.B customer.
Opening new accounts for non D.I.B customer.
Checking and booking manual deals.
Additional work as per manager instructions.
Print Reports & Cheques for cases
Prepared daily financial reports.
Prepared the income statements.
Calculated the annual expenses.