Senior Credit Analyst
Deutsche Gulf Finance
Total years of experience :12 years, 11 Months
Designation Chronology:
• Jul 11 - Present: Senior Credit Analyst
• Jul 10 - Jul 11: Credit Analyst - Underwriter
• Feb 10 - Jun 10: Credit Support Officer
Key Responsibilities:
• Analyzing credit risk and providing understanding insights for new loans and renewals as per company’s Risk Assessment and Loan extension policies.
• Overseeing and improving quality of service standards delivered by reviewing them against set Key Performance Indicators to persistently deliver high volume business growth.
• Providing first-hand knowledge, experience and customer feedback to revamp loan restructuring schemes, and recommend better targeted loan plans for different income earning groups.
• Working with senior management to revise and put in place more robust screening procedures to extend loans to customers with better credit worthiness.
• Keeping the recovery department informed about customers with habitual delayed payments to help them identify and recover late payments.
• Continuously striving to accomplish business targets by conducting meetings with the sales to bridge any gaps that may affect the business targets
• Speeding up the loan application processes in pipeline by taking care of issues related to documentation, third party property appraisal companies, setting priority lists in coordination with the sales management, or other matters involved.
• Generated detailed credit analysis reports widely reflecting issues related to market risk, legal matters and compliance to develop reliable database for future references in important loan extension decisions.
• Performed in-depth competitor, industrial, and economic analysis of business entities under consideration to ensure their long term financial viability as well as ascertain their ability to pay back loans in timely manner.
Designation Chronology:
• Nov 08 - Oct 09: Assistant Manager - Preemptive Collection
• Jan 07 - Oct 08: Unit Head (Assistant Manager) - VIP Accounts
• Feb 06 - Aug 06: Unit Head - Risk Prevention Unit
• Dec 02 - Feb 06: Assistant Unit Head
• Nov 01 - Nov 02: Officer Authorization Department
Key Responsibilities:
• Analyzed in depth any suspected fraud cases to timely initiate required actions in order to minimize risk or damage.
• Worked on developing a large portfolio of VIP customers to have a sustainable pipeline of prospects on continuous basis for future business development.
• Oversaw exceptional resolution process including causes, identified trends as well as customer group positions, and implemented solutions to remedy or minimize losses write-off.
• Held monthly or quarterly meetings with regional senior management to review the overall performance of acceptable quality service levels while addressing concerns.
• Helped in formulation of policies, operating structure and information flow to mitigate risks present in market.
• Overcame technical issues and system failures by timely identifying and working with relevant technology team to resolve them.
• Interfaced with VIP customers on regular basis to listen to and understand their complaints and follow up with relevant departments for immediate resolution.
Previous Professional Experience:
• Apr 00 - Oct 01: Credit Officer, Naghi Group
• Apr 99 - Apr 00: Customer Service, Saudi British Bank
Other Training & Certifications: • Risk Management – Best Practices – New Accounts Seminar. • 2007: The Fraud Management Seminar by PIC Solutions. • 2007: Attended The Early Stage Collection Seminar by PIC Solutions. • 2007: Attended The Late Stage Collection Seminar by PIC Solution. • 2007: Attended The Performance Management Seminar by PIC Solutions. • Attended The Communication Skills course at Institute of Banking. • 3 Months training in Saudi Fransi Bank