Credit Analyst
TANFEETH EMIRATES NBD
Total des années d'expérience :13 years, 8 Mois
2 and a half Years of Experience in processing credit applications (Auto Loan, Personal Loan, Islamic Auto Loan) with the set TAT in compliance with the retail credit policy.
Also managing the updation of autoloan files and printing it simultaneously to be processed in time.
Calling the customers for enquiries and providing loan information regarding the loans taken by them.
Resolving any queries the customer has through mails or calls and thus also processing the files for the timely movement of the application.
Recommending the loan to the underwriters by posting adequate comments.
To check whether the customer has/had any existing accounts/lending relationship/or any other retail or corporate facilities with Emirates Bank Group (Emirates Bank, Emirates Islamic Bank and National Bank of Dubai)
Blacklisting/Watchlisting/Embounce and World Check of customers involved in fraud and bad repayment history
Ensuring proper follow-ups with the customers and sales force and giving an update on the application as and when required.
Assisting other product units within Retail Credit Centre such as Personal Loans, Credit Cards and Disbursement team.
Maintain strict confidentiality of bank records and client information.
Expertise in banking software: Finacle, Finnone CAS, AWAI, Vision Plus, LMS (Loan Management System), Emcredit
Handling all the applications especially Premium Files and PFS files (Audi, VW, Porsche) with utmost urgency and speed.
18 Months of Experience in Asset Coding Team.
Primary work included setting up of assets (fixed income securities as well as equities) and generating the IMS/FM numbers for each of the setups for the Northern Trust clients by referring the various vendors and taking the data from their provided information.
Ensuring the asset setups are done with 100% accuracy as well as managing the same day and future day AIP queue.
Delivering professional service to data management partner areas (internal clients) and Northern Trust Clients by providing clear cut response to their queries with the detailed description of the errors.
Focusing on the support of the maintenance of daily back-ups, production and quality metrics on a daily basis
6 Months of Experience in Estimates Team as a Market Analyst.
Primary work includes receiving of research documents from the brokers and providing the accurate Estimates to the Companies thus helping the brokers to have a clearer view of the estimates.
Analysis done by studying the income statements, balance sheet and cash flow statements provided by the brokers and preparing a different income statement with the estimates rightly in place.
Performances in terms of Ratios, Per Share data values, Margins, Target price of such particular stock & Recommendation for the individual stock.
Also providing the brokers with secondary rating when needed by them.