Retail Credit Officer
National Bank of Kuwait - Jordan
Total years of experience :10 years, 8 Months
1. Manage and maintain the Retail credit portfolio. 2. Prepare credit proposals to recommend to the credit committee and review credit applications by analyzing associated documents according to credit policies and procedures and in-line with respective product -programs. 3. Monitor the OD retail accounts and prepare a daily report on the updates. 4. Follow up incoming salary transfers for retail clients and reserve monthly installments. 5. Preparing a monthly loan data base report including all portfolio details and submit it to product head at NBK Dubai. 6. Prepare and submit reports on monthly basis (CBJ, MIS, IFRS9, Credit Cards renewals, early settled facilities... etc.). 7. Monthly review and check of the applied interest rates for the retail portfolio and submit proposed amended rates for the credit committee. 8. Follow up on collections of the overdue accounts and call customers to settle their accounts for loans and cards on daily basis. 9. Prepare memos for any amendments, decrease/increase on loans, top-up or change payment of credit card limit requests. 10. Follow up with the Legal counselors on all the legal cases on monthly basis and submit a monthly report for risk management related to all watch list accounts. 11. Prepare all loans and cards contracts and documentation. 12. Evaluations of new properties and annual re-evaluations of properties related to retail customers. 13. Annual review of all the “retail credit product” policies in addition to market scans for the retail products provided by other local banks. 14. Responsible for overall retail Customers inquiries and follow up.
1. Receive and screen phone calls and redirect them when appropriate Ensure that the executives’ attends all important meetings
2. Handle and prioritize all outgoing or incoming correspondence (e-mail, letters, packages etc.) 3. Professionally greet and receive guests and clients. 4. Conduct any research, presentations or reports the executives’ needs 5. Maintain executive’s agenda and assist in planning appointments, board meetings, travel arrangements, conferences etc. 6. Problem solve any issues that the executive requests 7. Communicate between the executives and employees 8. Handle confidential documents ensuring they remain secure 9. Prepare financial statements and provide assistance in bookkeeping 10. Compile, proofread and revise drafts of documents and reports. 11. Maintain electronic and paper records ensuring information is organized and easily accessible 12. Operate and maintain office equipment. 13. Assisting with special projects or events as needed
1. Answer general phone inquiries using a professional and courteous manner and direct phone inquiries to the appropriate staff members. 2. Greet clients, suppliers, visitors to the organization in a professional and friendly manner. 3. Prepare, send and sort incoming and outgoing mail, faxes, and courier deliveries for distribution. 4. Assist with financial reports and month end duties as required, prepare employment paperwork, process payroll information and prepare confidential and sensitive documents. 5. Supporting material for distribution ensuring the timely distribution of it. 6. Assess situations to determine the importance, urgency and risks, and make clear decisions which are timely and in the best interests of the organization. 7. Set priorities, develop a work schedule, monitor progress towards goals, and track details, data, information and activities. 8. Supporting and coordinating between departments and operating units in resolving day-to-day administrative and operational problems, train and supervise other staff and ensure that all departmental deadlines are met. 9. Inputs information quickly and accurately from a variety of sources into a computer database. 10. Conduct research and compile data for consideration and by executives, committees and boards of directors. 11. Provides shipping and pricing information and tracks an order from its placement until the product is delivered. 12. Posting of open positions, scan resumes and schedule interviews with the director. 13. Organize and schedule meetings and appointments for the Director and Board of Directors, prepare conference room, draft minutes of Board of Directors for review by the Executive Director and Create action list for management staff from the Board meetings.
14. Meet with individuals, special interest groups and others on behalf of executives, committees and boards of directors. 15. Translate and edits documents to ensure proper grammar, spelling, syntax and style. 16. Act as a consecutive and liaison interpreter. 17. Oversees all aspects of the planning, implementation and tracking of events (Annual Exhibition under the patronage of H.R.H. Princess Sarvath El-Hassan and the Sports Festival under the patronage of H.R.H. Princess Rahmeh Bent El-Hassan ). 18. Supervising and managing volunteer lists (Japanese and Americans) and tracking their work hours and activities.
1- Analyzing the business processes and identify the quality parameters, the processes and the means to measure and enhance the quality.
2- Ensure reliability, availability and stability of the clients' applications through independent, thorough and meticulous test management systems, to optimize their quality management and ensure defect-free applications.
3- Provide independent, objective, meticulous and comprehensive Analysis, Testing and Quality Management of the client website/ application, to ensure that the clients' existing product standards are consistently maintained.
4- Testing the structural elements of system design by using White-Box testing which focuses specifically on using internal knowledge of the software to guide the selection of test data.
5- Verifying the code against the functional specifications to ensure that the work is as intended by using approved test cases and scenarios are used for the purpose.
6- Testing on the applications across different OS and Platforms. This also involves Browser Grid Testing where the web application is tested across the Browser Matrix.
7- Testing the user interface and how a user interacts with the system as opposed to the functionality of the system.
8- Testing all the provided links / orphan pages / missing and broken images and website interaction, by using tools like "Watchfire", "Web QA" for the purpose.
9- Retesting programs after the introduction of changes to the code to see if they resulted in any errors in the unchanged code.
10- Testing the system to establish its limits or its maximum sustainable load "stress testing".
11- Testing the function over time, to establish the performance of an application under various loads and conditions.
12- Testing the stability of the system against unauthorized access and willful damage.
13- Testing the application under conditions of disaster and assessing the back-up and recovery needs.
