senior Credit Analyst
Inspira LLC FZE
Total des années d'expérience :3 years, 5 Mois
• Responsible for underwriting for corporate credit portfolio and preparing presentations.
• Takes decision on credit applications under the supervision of senior management.
• Establishes rapport; maintains and grows important relationship within the portfolio.
• Evaluate the historical financials and built future projections of the company.
• Undertakes the analysis, evaluation, and underwriting of proposed credit facilities for customers and prospects.
• Assesses credit opportunities; identifies key risks, and structures alternatives working with team.
• Takes ownership of the credit process, making decisions in the best interest of the customer and organization.
• Having international exposure and major projects completed from different countries are, Surya Exports International (Mauritius), Cerco (Ivory Coast), FSV (Romina), F9 Hotel (India) & Concrete Holding Cement Company (Antigua and Barbuda.
KEY RESPONSIBILITIES
Evaluating the creditworthiness of potential customers:
•Creating credit scoring models for risk assessment under credit risk and Islamic product model.
• Raising queries and comments for approving and rejecting loans based on available data.
•Calculating and setting profit margin under Islamic products along with comparative analysis with other banks offer letter.
Result driven by evaluating qualitative & quantitative measures:
•Negotiating the terms of the finance with new clients as per their business model i-e collateral coverage, finance limits model, financial analysis & terms of repayments.
•Ensuring all financing and lending procedures comply with regulations as per SBP and bank polices.
•Reviewing the financials of companies to analysis their EBITDA, DSCR Interest coverage and increasing margin of profits.
Performer as team Leader:
•Maintaining records of all company financing and supervision of team to evaluate Credit memorandum report.
•Monitoring financing payments and timely highlighting watch listed accounts to early mitigation of risks pertains to the account and follow-up for bad debts.
•Processing of Credit Proposals / Other Matters for Credit Approvals / Central Credit Committee.
Master in Business Economics and working as unit head credit processing