Sr. Credit Supervisor(Cr. Cards & Investment Murabaha )
Emirates Islamic Bank (Tanfeeth- ENBD Group)
Total years of experience :16 years, 10 Months
Responsibilities: -
• Evaluating Cr. Cards & Investment Murabaha Applications.(Credit Card supervising role-AL2 Delegation).
• Analyzing credit risk by evaluating various factors with regards to applicant’s profession, demographic, financial information and liabilities etc.
• Assisting the Quality assurance team on decisions taken by the IBRAU.
• Maintains SLA as agreed.
• First preference to Organizations Mission, vision and Values.
• Reduce re submission and higher management escalations due to incomplete documentation, Wrong rejections and preference to high Profile Customers.
• Handling AST Activities includes EOSB release; Credit card FD related issues, CC limit changes, dealing with high profile Customers and Escalations.
• Mentor for new as well as junior Credit Analyst.
• Reviewing Field visit Reports.
• Meeting regulatory compliance standards.
Responsibilities: -
• Sampling of Credit cards, Personal loans & SME applications to prevent fraud at Sales and customers’ end (after approval verify either applications have been approved as per delegated matrix & Retail Credit Policy guidelines).
• Monitoring and Investigating SME, Personal and Business loans (PBL, RBL), POS & Business Credit Cards transactions & follow up with customers.
• Processing Companies listing proposals for SME, Credit Cards, Personal loan, Mortgages & Business loans.
• Conducting surprise visits in order to avoid possible fraud & validate the performance of the business.
• Maintains & Updates the individual delinquent customers’ Rating on Central Bank’s Web Site (CRS).
• CBRB updates like Substandard, Doubtful, Loss, Normal & Deleted etc on Central bank’s web site & MIS update.
• Maintaining MIS & reports writing for SME, POS, PBL, RBL and listed companies as per defined criteria.
• Handling Credit queries with respect of companies’ profile, Relationship with group of companies, Market feedback and financial condition etc.
• Cross Checking BDU and Retention unit’s activities to prevent and deduct the Fraud.
• Fraud deduction via listening recorded phone calls of Telesales, BDU and retention unit.
• Surprise Departments checks & makes sure that all docs and files are in save custody and expired/useless docs have been shredded properly.
Responsibilities: -
• Analyze and process credit proposals of retail lending products (Auto, Personal loan & Credit Cards) including Badr Islamic and Osool products for approval/escalation to credit supervisors within the stipulated TAT & Policy.
• Takes decisions to endorse or contradict the extension of credit within set credit authority established by senior management and state/federal laws.
• Prepares detailed proposals highlighting the SWOT analysis that includes sufficient data to support financial Statement analysis and collateral evaluation of the application and ensuring that all loans are approved in compliance with established bank’s credit policies and procedures.
• Analyze credit data to determine the degree of risk involved in extending credit.
• Establish the credit worthiness of companies with special emphasis on past borrowing relationship with the Bank(s) capacity to borrow further, repayment capability, financial ratio analysis, business profile of company, security analysis and Credit worthiness report.
• Conducting visit (when Require) to customers to have better understanding of business cycle, judge feasibility of proposed transactions, verify the profitability of the company & to improve bank’s perception for the client.
• To ensure smooth implementation of the front end automation of credit process solution across all lending products with significant gains in customers’ experience and productivity.
• Signing Delegation up to AED: 500K (Auto loan), 300K (Personal loans) & 150k (Credit Cards).
• Auto loan Installment postponement, Change of Co Name/Area of registration & PDC etc.
• Processing systematic personal loan & credit cards applications include Fresh, split, upgrade & secondary cards requests.
• Maintains MIS, Credit officers’ Productivity and generates reports for Auto loan.
Operational Activities: - (Took Additional responsibilities due to less work and restructuring)
• Handling End of Service Benefits and Advance/Leave salaries Cases of registered companies.
• MIS of Legal Case Filling against Repossessed vehicles and default Customers.
• Dealing with ILOE and Death Insurance cases.
• Dealing with Branches, regarding queries of Insurance, EOSB, ROD, Installment postponement, Dr/Cr Vouchers and posting, Inappropriate Cr/Dr in Sundry accounts etc.
• Reconciliation of Mashreq & Osool Sundry Accounts.
• Dealing with remittances (EOSB/Leave salary) with relation of Remittance Dept.
Having attested all educational docs.
