credit controller
Nasser bin Khalid
Total years of experience :14 years, 0 Months
1. Evaluating credit application forms and on boarding
2. Analyzing Credit limits based on their nature of business, demand etc
3. Customer visits
4. Followups with clients who has long over dues and negotiating payment terms
5. Identyfying high exposure customers and recommending actions to clients
6. Organizing and conducting collection meetings
7. Preparing Meeting minutes with related collection meetings
8. Follow ups with receivable and sales for collections and over dues
9. Obtaining balance confirmation from clients
10. Observing credit limits and take actions against customers who exceeds the credit limits
1. Evaluating credit application forms and on boarding
2. Analyzing Credit limits based on their nature of business, demand etc
3. Customer visits
4. Followups with clients who has long over dues and negotiating payment terms
5. Identyfying high exposure customers and recommending actions to clients
6. Organizing and conducting collection meetings
7. Preparing Meeting minutes with related collection meetings
8. Follow ups with receivable and sales for collections and over dues
9. Obtaining balance confirmation from clients
10. Observing credit limits and take actions against customers who exceeds the credit limits
with regards to overall branch operations in order to achieve better operational service for both internal and external parties
• Establishment of new policies and procedures (Vendor Management, Procurement policies, Premises security policy)
• Adherence to outsourcing policies and related activities
• Compete branch operations manuals are in place and those are periodically renewed.
• Act as a coordinator for branch maintenance activities and deliver the best solutions within the given time period in order to ensure a better working/ office environment for the staff.
• Responding to ICU quarries
• Involve in General Administration related areas pertaining to all branches
• Vendor Outsourcing (Onboarding, Evaluating, Documenting, Communicating)
• NPL Recoveries
• Preparing SLA’s
Lead all operations team members in their respective roles; coach, mentor and develop strong team.
Oversee all customer service, administrative activities / operations.
Instill actionable metrics for operations teams; strive for on-going improvement.
Create a culture of continuous improvement to ensure we exceed customer expectations and provide the highest levels of customer service across the organization.
Perform random business audits to ensure compliance certifications, compliance processes & procedures.
Develop, document, and train team on regular basis to ensure compliance to safety, compliance and new business initiatives.
Identify and implement operational best practices & lessons learned shared by other branch locations.
Work collaboratively with Branch Manager to provide leadership to branch employees; co-lead monthly branch meetings to communicate key topics to staff.
Develop and implement key projects to drive improvement and gain efficiencies.
Drive operational excellence and risk mitigation initiatives.
Ensure all regulatory & compliance measures and customer requirements are met within global guidelines
Manage overall staffing requirements; strive to minimize overtime expenditures
interviewing, evaluating and preparing credit proposals for approving committees.
Post credit monitoring & Recoveries of credit facilities. Completion of security documentations on credit facilities.
Responsible to prepare the credit reviews, to check the credit facility statements, completion of security documentation in credit facilities and Re structure the non performing advances as per regulations imposed by bank and Central Bank of Sri Lanka.
At HABIB BANK LTD (February 2012 - Present)
• Treasury Back office
• Settlement and confirmation processing (Sending deal confirmation to the counterparties by swift)
• Enter and process treasury transactions into the main accounting system
• Reconcile custodian positions
• Reconfirmation of nostro accounts
• Payments of overheads related to Treasury ( Ex: RTGS charges, Swift Charges etc..)
• Responsible towards the Department Head for specified business areas
• Responsible for completing the goals set together with the Department Head
• Accepts responsibility for the implementation of regulations, procedures and projects
• KYC officer
• Collection and analysis of basic identity information.
• Name matching against lists of known parties (such as politically exposed person)
• Determination of the customer's risk in terms of propensity to commit money laundering or identity theft.
• Creation of an expectation of a customer's transactional behaviour.
• Monitoring of a customer's transactions against their expected behaviour and recorded profile as well as that of the customer's peers
• Others
• Monthly salary calculations
• Suspense account preparation and reporting to the HO
• Well experienced in working with Equation (Mysis)
➢ Currently working as a Junior Officer in HABIB BANK LIMITED - 2012 February - Present.
At KPMG, Ford Rhodes, Thornton & Company (March 2011 - February 2012)
I joined KPMG as an Accounts Trainee and became part of dynamic project-based audit-teams working for a clientele of a wide range of industries as specified herein below.
• I was broadly responsible for executing assigned audit-tests by collecting and validating information as well as performing calculations and comparisons. The challenges of my responsibility that inspired me at this level and time were:
• Understanding the operational business processes of clients through effective professional interactions
• Executing the assigned audit tests within the specified time with accurate documentation of the tests
• My commitment on perusing expenditures gained me an understanding about the system of recording and accounting transactions. I carried-out walkthroughs in order to document the systems of controls involved in cost-of-sales transactions for a variety of industries:
• Merchandising organization which both imported items as well as purchased locally including the FMCG and pharmaceutical industries
• A tour operator organization that receive orders from international operators and placed orders with local hotels and transport providers
• Manufacturing organizations in the FMCG and garment industries
• A service rendering firm in the telecommunication industry
➢ Worked as a Project Head to WE CAN (INGO) for Eastern province. From November 2010 - January 2011
➢ Worked as an Accounts Trainee at KPMG, Ford Rhodes, Thornton & Co. from March 2011- February 2012.
➢ Worked as a DJ Trainee (Presenter) at Sooriyan FM Radio from September 2009-March 2010 At ABC Radio Corporation Srilanka.
➢ Worked as DJ Trainee (Presenter) at Vetri FM Radio from September 2010 - November 2010.
Bachelor of Business Administration
Postgraduate Diploma In Islamic Banking & Insurance
Diploma In Islamic Banking
Executive MSC, in Finance