Credit Analyst
Dubai islamic bank
مجموع سنوات الخبرة :14 years, 7 أشهر
•Monitor and analyze the retail credit portfolio.
•Monitor and follow up on delinquency and write off.
•Perform segment analysis, Credit concentration and reviews.
•Identify and measure key performance indicators (KPIs) related to portfolio performance.
•Perform MIS review on Retail Credit and other retail banking areas.
•Develop and implement Retail Risk Management strategies and tools.
•Review credit manual for retail banking; and periodical amendments.
•Keep a track of new CBUAE regulations, and ensure compliance with those regulations.
•Regular evaluation of existing products and schemes, and suggest amendments wherever deemed necessary.
•Evaluate new initiatives, projects and proposals for Retail Banking.
•Evaluate retail policies and procedures, And provide recommendations for improvement; analyzing the impact of macroeconomic changes on the retail portfolio.
•Conduct Credit reviews and ensure the credit quality of retail portfolio.
•Automate exception reporting process; deviation analysis in credit underwriting and its escalations.
•Streamline the process of exception reporting; continuous follow up on reported issues; and ensure that the issues are resolved.
•Ensuring quality of credit information data base through identification and initiation of data cleaning exercises.
•Working closely with team leader to maintain high service standards.
•Reviewing credit card applications as per bank policy and procedures.
•Identifying product and policy schemes and applying them during processing..
•Reviewing Bank Statements, And total retail exposure through extensive systems usage.
•Reconciling with branches, Sales force, and other units for all kinds of discrepancies.
•Researching and highlighting credit strength, weaknesses, risks and mitigation procedures.
•Assisting credit proposals while meeting compliance requirements.
•Executing company profiles, for NALE-Companies, weather by Telephone or Internet search.
•Performing customer, employment and office verifications.
•managing verification calls flow, during month ends
•Correspondence to emails from sales representatives and managers regarding cases laying in the verification stage.
•Checking and discussing with underwriters regarding the no response cases, if applicable for waivers or not.
•Preparing outgoing payment orders through swift.
•Reporting statistic statements, and analyzing relevant data.
•Corresponding and dealing with foreign exchange companies.
•Corresponding and dealing with Al Fardan exchange branches among UAE.
•Preparing inward payment orders and insuring customer receipt.
•Deal directly with customers either by telephone, electronically or face to face
•Respond promptly to customer inquiries.
•Obtain and evaluate all relevant information to handle product and service inquiries.
•Process orders, forms, applications and requests.
•Maintain customer databases.
•Keep records of customer interactions and transactions.
•Organize workflow to meet customer time frames.