Sr. Credit control Officer
BARWA BANK
مجموع سنوات الخبرة :16 years, 5 أشهر
• Preparation of proposals/renewals to meet customer needs which includes working capital requirements, project specific facilities, funded and non-funded facilities like term loans, import line LC's, Guarantees etc.
• To manage the existing portfolio and develop new account relationship for enhancement in portfolio increased revenue.
• Working closely with management to analyze risk with a view to assess risk/returns and initiate timely remedial actions, where appropriate.
• Assisting Unit Managers in establishing and maintaining relationships to leverage business achievement.
• Regularly review account performance and make appropriate recommendations for optimizing returns.
• Spreading financials (using Moody’s package) and analyze financial statements, cash flows and projections as required.
• Facility Offer Letter and Credit review
• Ensure security documents are received in time and are as per the structure and deal requirements.
• Ensure all transactions are executed as per shariah compliant.
• Mentor new staff/interns in the department.
• Ensure strict adherence of compliance for all banking transactions.
• Assist customers in trade products (opening LC’s, LG’s etc.)
• Contribute towards the allocated budget in terms of numbers, revenue
Profitability & improve upon service delivery to banking customers.
• Interacting with customer to resolve their queries and grievances in coordinating with various departments to ensure customer satisfaction.
• Ensure that KYC are filled as per policies of the bank and operate on a zero error account opening rate
• Good knowledge of Corporate & SME banking and documentation for various types of businesses such as limited liability companies, free Zone companies, offshore companies and sole proprietors.
• Conceptualize procedure manuals and inter-department “Service Level Agreements”
• Taking necessary approvals/deferrals/waivers for booking a transaction or for resolving exception
• Ensure exception/deferral list is minimum by arranging necessary documents from customers.
• Maintain updated security documents from the customers which are expiring/ expired.
• Assisting and coordinating for Payroll accounts and providing information on WPS opening procedure& assisting in daily transaction.