Credit Analyst
Dubai Bank
Total years of experience :23 years, 2 Months
Present Employment - Dubai Bank (Sept 2007 to date)
Attached to Dubai Bank Credit Initiations Department in the capacity of Credit Analyst
• Assisting the Managers by processing and analyzing retail credit applications such as Personnel & Auto Loan and that they are within the credit policy of the bank.
• Processing & analyzing small business finance application.
• Issuing & monitoring liability & clearance letter for customers with a TAT of ½ hr against SLA of 3 days..
• Handling monthly instalment deferments based on customer request and policy criteria.
• Preparing Portfolio Analysis for all delinquent cases and do the policy recommendation accordingly.
• Making recommendation to the policy based on sales & collection feedback on monthly basis
• Recommending deviation cases to the management based on customer profile.
Presently Working for Collection Department as an temporary assignment to handle all mid range customers ( bucket 2, 3& 4) (from Nov to Date).
2004 Aug to date attached to HSBC Personal Credit Department in the capacity of Credit Analyst.
Coordinate the sale support functions of HSBC Personal Instalment Loans, Car Loans, Home Loans.
Processing Personnel Loan & Car Loan applications.
Monitoring the service levels according to set service level agreements.
Assist the management through accurate and effective Management Information System.
Job responsibilities
Assisting the Managers by processing and analyzing credit applications and ensure that they are within the credit policy .
Further required to assess the credit worthiness of the applicant, monitor credit developments and suggest corrective measures where the existing credit policy is outdated or erroneous.
•To perform routine and non routine credit audit & policy review to ensure the loans are granted within credit policy & bank’s standards
2001Mar-2004 Feb UNITED GRANITE PRODUCTS (PVT) LTD
Role: Accounts Controller
To prepare management reports such as purchase summery.
Administration of stocks, petty cash.
Maintaining Cost accounting, capital expenditure budgeting and bank reconciliation.
In charge of EPF, ETF and Salaries & Wages
Outcome: Being part of the team setting sales promotions and tactics to meet the budgetary requirements and cash flow targets.
