CONSUMER FINANCE AND SALES DEPARTMENT MANAGER
First Finance
مجموع سنوات الخبرة :35 years, 8 أشهر
- Member of the Credit Committee for approvals
- Granting credit approvals
- Responsible for following up on the internal audit report
- Responsible for following up the Sharia audit report
- Preparing analytical reports on sales department and providing recommendations
- Authorized to sign financial cheques for customer loans
- Authorized signatory for bank and governmental entities' standing orders
- Authorized to sign in place of the Senior Executive Director Business Development
- Creating credit scoring models for risk assessments.
- Ensuring all loans and lending procedures comply with regulations.
- Reviewing and updating the company’s credit policy
- Apply approved sales policies and procedures
- Developing sales plans, programs and procedures
- Defining sales targets for sales staff
- Distribute work and direct sales staff on new products and services
- Control over the processes of entering and recording sales transactions on the automated sales system
- Submit periodic proposals regarding business development
- Review loan requests
- Access client's financial status and set financial plan
- Evaluate credit worthiness and risk
- Analyze risk and give approval or rejection for retail loan request within dedicated authority
- Calculate financial ratios
- Discuss customers' needs and the features of different vehicles
- Negotiate the sale price, including any ‘trade-in’ value for a customer’s old car
- Complete paperwork and pre-delivery inspections
- Create and maintain relations with the customers
- Negotiate the terms of an agreement and close sales