Sr. Credit Analyst- Commercial Loan
Mashreq Bank
Total des années d'expérience :20 years, 10 Mois
Entrusted with the responsibility of managing a dedicated portfolio of companies from UAE with a turnover ranging from USD 10 Million to USD 250 Million.
Identifying any emerging credit risk by conducting counterparty analysis, determining internal risk rating and regular monitoring of counterparty performance.
Conducting due diligence of fresh as well as annual renewal credit proposals and determining degree of credit risk involved.
Key person for conducting financial analysis, projections, business model, and business needs, obligor risk rating, market feedback and industry viability.
Determining creditworthiness of customers by carrying out extensive financial analysis of cash flow, projections, sensitivity analysis and trends using specialist statistical software.
Scrutinizing the credit applications for ensuring compliance with the credit policy, regulatory framework, procedures of the bank.
Studying and understanding the business dynamics by liaising and visiting client’s site/factory premises. Meeting the business partners to discuss customer requirements, line structuring and related terms and conditions.
Single point of contact in the bank for departments such Credit Administration, Operations, Foreign Trade and Financial Institution Group for execution of transactions.
