Credit Analyst / Asst. Relationship Manager
National Bank of Umm Al Qaiwain
Total years of experience :23 years, 2 Months
- Managed a portfolio of over 100 public and private companies with credit lines from $20, 000/- and $ 100 Mn.
- Maintain high level of compliance to meet the specific guidelines proposed by the regulators
- Build up sound (internal and external) customer relationships and network with customers
- Overall supervision of disbursements, implementation of conditions imposed by approving authority and follow-up of the progress
- Understanding of the market and increasing the customer share by developing CRM initiatives
- Overall responsibility for the smooth operations and administration of account portfolio
- Ensure that the branch meet or exceed established sales & revenue goals in Assets, Liability & fee income categories while minimizing expenses
- Develop and execute integrated sales, relationship and credit strategies that are aligned with the business plan to achieve revenue and service goals
- Day-to-day business management including monitoring and tracking of business performance, budgets, risk and audit related matters while conducting regular sales and operations meetings
- Assessment of comprehensive credit proposals, analyses specific information and related cash flows, structure appropriate loan terms & conditions from a risk/return perspective, making recommendations to senior management
- Understanding of customer’s business & industry trends, that would help identify adversities and its implication to the bank
- As a member of the Asset & Liability Committee; active contribution towards the allocation and management of assets, equity, interest rate and credit risk management
- Achieve & maintain high Service Quality Standards & ensuring timely resolution of customer complaints and queries, obtain and evaluate frequent feedback from internal & external customers
- Take the lead in the on boarding and retention of clients, ensuring the appropriate “Know Your Client” (KYC) and other compliance deliverables are met
- Manage, coach and support other branch employees on developing, managing and growing profitable customer relationships
- Continually review the quality of borrowing relationships of customers so that bad debts are kept to a minimum and the business relationship with the customer is successfully managed.
- Ensure that all actions are compliant to all policies, guidelines, regulations and global standards
- Double hatting the roles of Assistant Manager & Credit Officer
- In absence of Branch Manager entire managerial functions were handled as Acting Branch Manager
- Ensured that the banking operation was in line with regulatory requirement while all CDD and KYC guide lines were properly followed
- Managing operations team to deliver effective financial services to clients while inculcating the bank’s service culture in all staff
- Lead and motivate sales staff to meet sales targets with highly business focus attitude in the competitive business environment
- Preparation of Credit Proposals, memos with relevant to Corporate, SME, leasing and personal credit facilities
- Oversaw the Compliance and Internal Audit area of the Bank to ensure policies, procedures and controls are properly administered
- Played a leading role in organizing promotional campaigns, customer get-togethers and many business development programmes and I had been a committed team leader in many times towards achieving liability sales targets
- Functioning with “B Grade” signing powers with key handling authority at Convenient Banking Centres and I was the 2nd key holder of the Security Vaults & Automated Teller Machines
- Handed all types of variable Term Deposits, Treasury Investments & canvassed new Deposits
- Have improved my core competencies in Customer Service, Attention to Detail, General Math Skills, Verbal Communication, Integrity, Selling to Customer Needs, People Skills, Financial Skills, Thoroughness and Documentation Skills
- I was able to build up excellent working relationship across all relevant departments in the Bank