Nabeel Zia

Sr. Credit Analyst at First Gulf Bank

• United Arab Emirates - Dubai
• My current job since August 2008

Quantitative & qualitative analysis of applications request for SME Products.
Assess the business, financial model & other Credit related information which Supports Business activities.
Analyze Company Gearing Ratio and financial leverage
Evaluating collateral values and credit risk, and prepare written credit-approval packages or denial correspondence.
Analyzes paying habits of customers for their bills, Identify the Key Risk element.
Determine credit worthiness and set appropriate credit limits as per the credit policy.
Prepare appraisal memo, along with risk rating /Mitigation for Credit Committee consideration.
Contribute for maintaining business risk at acceptable levels while maximizing revenue
Ensure compliance of credit with loan policies and procedures.
Insure the processing with in TAT
Assess and approve discretionary lending related to specialist products and exceptional items and review of such credit facilities within SME Banking Policies.