senior Credit Underwriter
Mashreq
مجموع سنوات الخبرة :20 years, 5 أشهر
Senior Mortgage underwriter - Credit unit (2005 to Date)
Credit initiation and compliances unit (CIC)
• Financial Analysis: Analyzing revenues & expenditure, current and future debt obligations, ratios test, justifications & analysis of monthly operating statements and annual audits of loan recipients. Reviewing of cash flows statement and property evaluation to determine feasibility of granting loan request.
• Credit Administration: Managing the appraisal of mortgage proposal, scrutiny of relevant documents before sanctioning limit and disbursing the same ensuring compliances with credit policy. Performing the credit worthiness of the customers by reviewing all relevant documents. Also ensuring the minimum turnaround time for the external and internal customers.
• Compliances and Internal Control: Optimizing quality of the risk portfolio through implementing effective fraud and credit control policies, and adhering to compliance programs based on central Bank UAE guidelines. Orchestrating monthly compliance audit to identify potential gaps and slippages, emerging trends and submitting the same to senior management along with action plans.
Credit evaluator for Credit Cards and Personal loans: Job profile: • Underwriting of retail lending applications, evaluating credit cards, personal loans, Overdrafts, business loan applications.
• Validating customers external and internal banking credit history, verifying customer's fraud forum reports, compliance reports, debt service check and decision by approval of credit limits in line with the product policy.
• Prepare credit proposals with analysis covering all significant factors (Strengths & Risks) for review & recommendations by Mangers.
• Ensuring completeness and accuracy of the documents.
• Preparing Escalation reports & Disposal of credit proposals.
• Evaluating & processing Credit Cards & Personal Loans applications for approval within the stipulated TAT.
• Evaluating Restructuring process of credit cards, Loans, Mortgages loans.
• Evaluating & processing the staff Personal loans.
• Preparing MIS for Credit proposals.
• Observing that all credit applications are processed as per the bank policies & Procedures.
• Mashreq Millionaire Limit Enhancement / Credit Card Limit Enhancements / Up gradation of Credit Cards within the Credit policy and Product parameters
• Responsible for training the new staff and also periodically assist them in quality improvement.
Fraud and Risk Management Unit - RBG
Senior Fraud control analyst - Vigilance department- June 2008 to 2009.
Job Profile: • Analyze the credit process of different departments and developing fraud loss plan in line with current fraud assessment for all retail products.
• Provide regular feedback to team leaders on Retail credit for emerging fraud trends and risks and to execute timely corrective action plan.
• Conduct the ongoing review of critical process gap.
• Suggest the corrective action plan to mitigate the operational risk.
• Report fraud on time to management and ARCG.
• Checking the credit cards, loans, mortgage loans, MOD, auto loans, merchants, and reviewing and verifying randomly sampled cases.
• Ensure all cards and loans are processed within the credit criteria.
• Implementing proactive measures to control fraud.
• Establish excellent relationship with associations, and other bank's Fraud management unit through local fraud forum.
• Prepare velocity reports, Non-starter review, fast cards review, Monthly cross BV reports.
Banking systems: • Core Banking System - Flex cube.
• Card Management System - Select.
• Retail banking system for Loan/Card - Vectus.
Thomson Corp. (Intl) Pvt. Ltd., Bangalore.
Financial Analyst 2004 to 2005 October
Job Profile: • Processing financial reports & maintaining integrated information and research on financial reports.
• Complete knowledge of corporate actions performed by companies & their filings.
• To integrate financial and security information from various Thomson publishers (Data Providers) and third party publishers and thereby facilitate clients with centralized product source
• Preparing Production reports & Quality Reports.
• Research and Analysis of latest updates about companies and provide the same via. CMS (Company Management System) to the Clients.
• Handling of client queries related to Equities and Fixed Income & Maintaining efficiency of 100% & quality of 99% on regular basis
• Providing XML & BMK output to the customers from the PDF Brokers
• Preparing Daily reports, log in, log off sheets & Timesheets.
• To contribute to team performance & development of Effective working relationship with colleagues.
• Research on Extendable markup language (XML) & Bookmark (BMK) reports.
• Checking the workflow (Compliance) on regular basis & Monitoring existing portfolio of investment through issuance of monthly & quarterly status reports & Financial Updates.
ADDITIONAL QUALIFICATION:
PROJECT REPORTS:
NRI'S Investments in Mangalore City with special reference ICICI Bank.
Web Site: www.icicinribank.com.
• One and half year in Thomson Corp. (Intl) Pvt. Ltd. Company in Bangalore (2004 to 2005)
"Mashreq Bank" Head office.
M.B.A (GSM-IGS CANADA under TASMAC University at Mangalore 2002-2004)
BBM (Bachelor of Business Management) St.Aloysius College Mangalore University 1999-2002.