Risk analyst/Collection officer
REEM FINANCE
Total years of experience :18 years, 10 Months
• Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
• Dealing all SME, Personal Loans and Credit Cards.
• Knowledge of Corporate banking.
• Undertake regular review and monitor SME book to ensure that any adverse movements are highlighted.
• Assist RMs in following up with customers for obtaining various documents.
• Keeping updated information in client file, so that they reflect in current status.
• Prepare reports that include the degree of risk involved in extending credit or lending money.
• Checking the customer information with Central bank: CBRB, CRS and fraud monitoring screens.
• De- dupe checking
• Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.
• Confer with credit association and other business representatives to exchange credit information..
• Checking proper documentation, calculations and process the files in line with the company policy.
• Referring the exceptional cases to the Risk Manager.
• Recommending the limits for personal and credit card applications
• Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval
• Approving both personal and credit card applications in the system as per assigned limits.
• Preparing the monthly check list as per the daily check list provided by the inputters
• Making system approval for all personal loan.
• Compliance policies and satisfactory audit reports.
• Ensuring implementation for all audit recommendations and minimizing occurrence of any deviation during Audit checks.
• Directly reporting to Head of Risk
• Work closely with Officer, Cards Business Intelligence for designing and developing comprehensive MIS reporting packs for Cards to facilitate prudent Risk and Process management of the card portfolio.
• Analyzing Fee Income of Cards portfolio and identify growth areas to increase revenue. Develop and generate MIS to track Sales channel.
• Develop reports with the aim to channel feedback on credit policies, target segment, quality of applications received, and deviations to Branches and Sales Force on a regular basis.
• Processing and disburse all personal and credit card applications as per TAT
• Familiar with BLUEZONE, CAS and FinnOne
• Through knowledge of operations(loan and credit card Processing)
Job Knowledge:
• Credit Admin, MIS Reporting and Collection
Processing of consumer products like credit cards & personal loan
Calculation of financial document to determine the income
Statement analyzing for credit card limit
Contact point verification to reduce the risk factor
Data base investigation for the applied customer
Ensuring consistent application of credit policy, quality of underwriting decisions and of documents held collateral
Communicating major deficiencies and policy violations to Operation Manager, Credit Cards Operations.
Checking with central bank
Ensuring proper legal document of loans extended to the clients, in consultation with the legal team and in strict compliance with the terms and conditions approved by the Management.
Declined the cases as per the central bank reports
Training for improvement and maintenance of process flow among sales and credit team.
Coordinate and follow up with data entry staff for the application status.
All credit card application processing as per the TAT
Well developed supervisory skills backed by 8 years, managing Credit Card operations team while assisting Senior Management
Monitor daily check and solve encoders problems
Weekly meeting with the teams and discuss with the new improvements
Preparation of MIS reports for the Card Operations unit for Management review
Special Notes :
• Was holding Discretionary Power of AED 15k for Credit cards, Pay day cards and Finance.
• Awarded the BEST EMPLOYEE CERTIFICATE in 2012 and in 2013.
References upon request: