Processor-Credit and Risk
Ajman Bank PJSC
Total years of experience :4 years, 5 Months
Preparing the Credit Facility Agreement upon receiving the approval Credit Proposal from Risk Management
Assist the RM in completing the documents
Draft the necessary agreement to complete the transaction document
Look after the post approval functionalities of the borrowing
Relationships covering Wholesale&Retail relationship.
Generating a number of core MIS required for internal decision making initiatives and /or regulatory/ statutory compliance.
Main focal point in Corporate&Retail Banking Group for MIS generation.
Maintaining MIS for the Credit&Risk Department
Covering all the facility lines initiated by business units of Corporate&Retail Group
Monitor the approved risk elements of RBG business initiatives required towards the service delivery of Retail Banking Group product mix.
Update the risk parameters in various Core Banking Systems in Credit Control Unit towards its utilization upon receipt of Documentation Unit Release
Process Murabaha Share Finance application
Making credit available to the borrower in real terms
Process the Trust account payments upon receiving the request
Capture, maintain the approved risk parameters&its related terms/condition through systems&monitor them thereafter on an ongoing basis.
Ensure platforms to facilitate the approved lines and its related terms/conditions to be implemented&adhered to by Cross Functional Units
Proactively ensure Zero risk tolerance while authorizing the referral pertaining to transactional banking raised by Cross Functional Units/Branches
Collates/ providing credit related information to/ from the banks&provide information to the customers on periodic or otherwise.
Promptly respond to requests from the clients regarding outstanding charges or general enquiries, including liaison with the RM to promptly resolve debtor queries/disputes
Review credit notes issued to ensure correct authorization is documented
Suspend credit facilities in liaison with Credit Policy
Receiving details of clients applications and drafting accordingly as per our service provider’s Requirements
Ensuring SALAMA applications are filled accurately as per guidelines of the underwriters.
Coordinating with the Financial Advisor in preparation of illustrations for clients and tailoring of financial solutions according to client’s needs and requirements.
Prospecting and Approaching internal as well as external customers to educate them about our product.
Advising and encouraging clients for saving towards future, highlighting benefits of our Islamic Insurance product.
Completing of documents to process the application and submitting to SALAMA for issuance of policies.
Maintaining and updating daily MIS tracker.
Tracking SALAMA account for the Funds Transfer and maintaining records for future purposes.
Submission of Funds Transfer and Standing Instruction Forms to the Teller and the Operations Department respectively.
Filing copies of Funds Transfer and Standing Instructions for record purposes.
Handling other customer service and various walk-in customers as we are situated in the Khalifa Branch.
Handling various administrative jobs such as maintaining schedule for trainings, minutes of the meetings, seminars, drafting letters, designing of power point presentation etc.
Correspondence with other departments for various purposes such as processing, approvals, courier delivery etc..
Ensuring clients details are maintained with confidentiality.
Ensuring that the funds are contributed regularly in a timely manner which helps the bank as well as the clients so that they don’t miss out their contributions.
Attending various group meetings and presentations to enhance product education and other related business.
Answering all queries pertaining to TAKAFUL department, received through web based centralized departmental query system.
Checking all mandatory documents required before processing application forms for: Individual Accounts, Credit Cards, Smart Loans, Revolving ODs, Payrolls.
Initiation of Opportunity as per the application form and forwarding the opportunity for data-entry
Checking Signature match on Application form, Security Cheque and Other Documents
Blacklisting of Customer from World, Internal and Central Bank data-base to avoid frauds to take place
De-activation of Customer for payroll cards
De-activation of Customers for Credit Cards
De-activation and Closure of Individual Accounts as per the Customer instructions.
Receiving of Salary-Card PINS from Courier and maintain the required MIS for it.
Receiving of Credit-Card PINS from Courier and maintain the required MIS for it.
Handle the Salary Card, Debit Cards, Credit Cards PINS for dispatching and delivery to Customer.
Authorizing the new application of Credit Cards, Loans, RODs, Smart Loans and Salary Cards.
Check the documentation and quality of data being captured.
Ensure the correct product and correct process being selected for application of Credit Cards and Individual Accounts.
Maintain Staff productivity records by keeping a track of application initiated, inputted and authorized by each employee.
Monitoring the Warehousing Activity.
Maintaining the MIS on a day-to-day basis for applications received for Credit Cards, Payrolls, Loans, RODs for maintaining the WIP.
Opening Individual A/c’s and updating the details on the back-end program called CORE.
In-charge of huge database of Clients.
Data input of confidential project details and other information.
Sorting out clients area wise, project wise and budget wise.
Creating records and information of existing clients.
Maintain correspondence with clients to update information.
Gather information of research for feasibility and foundation of the project.
CGPA of 2.8 out of CGPA of 4.
Higher Secondary School Marks(GRADE 12) - 70%