sijo sebastian

• MIS analysis- analyze business information to identify process improvement for increasing business efficiency and effectiveness
• Develop Trends and projections for the bank’s sales department
• Highlight the key performance areas and current numbers to provide projection for the month on previous year’s, month’s and the pipeline data
• Provide strong reporting and analytical information support to the management team
• Generate and distribute Management reports (Periodic and Ad hoc) in accurate and timely manner
• Day to day follow up and coordination with sales team to ensure timely flow of MIS
• Collate trackers received from hubs to prepare the daily, weekly performance reports
• Preparation of Dash boards, Charts and presentation for management analysis and management meetings
• Handle Asset MIS report which summarizes the total business obtained by the bank by its various products & services such as Personal Loan, Home Improvement Loan, Motari loans etc.
• Working closely with Business Intelligence Unit of the Bank on a regular basis in order to maintain accuracy in Bank data which in turn helps in performance calculation of the staff
• Calculation of Auto dealer Bonus Commission payouts and preparation of Staff performance and incentive payouts in compliance with the newly introduced VAT
• Budgeting and allocation of monthly sundry expenses for the for the commission & Bonus payouts
• Participate in cross functional meeting to resolve recurring customer issues
• Handling internal and external queries promptly within the agreed SLA
• Provide recommendations to update current MIS to improve reporting efficiency and consistency
Credit Support Coordinator & Compliance Analysist
• Critical analysis and examination of Credit Applications for allocated portfolio & new to bank relationships in light of Bank’s credit/risk policies and Central Bank’s regulations to evaluate whether the risks are acceptable
• Analyse comprehensive impact of financial crime related regulatory matters on relevant business area and its operations
• Understand technical aspects of systems relevant to CDD, client Risk Assessments, Name and Transaction Screening, AML monitoring and case management as when appropriate
• Understand risks arising from products, segments, geographies, customers and transactions
• Processing of credit applications (credit Card, Account Opening, Auto loans & Personal Loans) on a daily basis to meet Business TAT
• Analyzing and validating customer’s financial statement and proposing loan applications as per the agreed SLA.
• Initiate clarification and discussion with the respective team on the credit application
• Calculation of the DSR in order to ascertain credit worthiness
• Calculation of customer risk rating as per the given parameters
• Checking the BL and CBRB report
• Handling PAN UAE dealer Payment hub-Issuance of Cheques and follow up for PAN UAE Motari Loans
• Daily interaction with Major Auto dealers allover UAE and preparing weekly payment reports and reconciliation for the motors vehicle giants like Al-Futtaim, Arabian Auto Mobiles, Al Gargash Enterprises
• Vehicle Mortgage registration for Abu Dhabi & Dubai Region
• Support line managers as per the ad hoc requirements

Supervising and verifying the most sensitive and critical process - Leverage Loans. This
involves daily preparation of payment instructions as per the agent’s notification and
sending out the same to respective custodians on a daily basis.
● Work allocation and Quality Checks of Analysts job
● Verification and authorization of the created dividend references
● Reconciliation of the entitlement on the Record Date, PD -5 and PD-1
● Verification of dividend distribution on the pay date
● Daily interaction with IMLGs & handling their queries for the APAC & EMEA region.
● Analyzing the issues highlighted by the clients & interacting with partners across the
globe to fix the identified problem.
● Liaising with Client relationship managers from different Sub custodians spread across
APAC & EMEA region & analyzing the discrepancies & resolving within the SLA.
● Designing & drafting management information system (MIS)
● Involved in importing, cleaning, transforming, validating and modeling data with the
purpose of understanding and making conclusions from the data for decision making
purposes.
● Handled all the highly sensitive clients of Northern trust and resolving their inquiries
within the TAT

● Creation of dividend reference for the corporate action events announced
● Reconciliation of interest and dividend payments of the clients against agent’s swift message prior to the pay date
● Distribution of funds/entitlements to the clients account
● Reporting the clients of the various events that are announced in the market
● Investigate the discrepancies in entitlements
● Interacting with clients & handling the issues proposed by clients within the TAT.
● Handling all the exceptions arisen from the payments and clearing them within the specified TAT
● Claiming the outstanding amount due to late trade from the brokers.
● Using various Global information sources for reconciling like FTS, Euroclear, Bloomberg, XE.com, etc.
● Advising the tax team for tax adjustment and tax matrix updating into the system.
● Claiming tax refund for the eligible clients
● Liaising with the Securities Lending team in resolving the breaks arising out of lending the securities
● Advising the IMLG to amend in case of incorrect trade details inputted into the system
● Instructing the FX team/dealers of the FX booking (purchase/sell)
● NRA (Non Resident Alien) tax adjustments
● Reversing of payments/entitlements (in case of incorrect posting)
● Cash/Stock matching on various cash accounts after pay date

Assisted in Bank reconciliation
Assisted in the preparation of Loan schedule for auditing
Assisted in the preparation of Standard Operation Process (SOP) of Bill Processing for the Accounts Department