Experience

RAMS

• Australia
• Financial Services
• 400 - 500 Employee

• Credit Manager

  • Nov 2021 - Present

  •Research and evaluate clients’ creditworthiness•Approve or reject loan requests, based on credibility and potential revenues and losses•Ensure all lending procedures comply with regulationsDevelop, review and update our company’s credit policies

• Sales Quality Compliance Officer

  • Oct 2018 - Oct 2021

  • Determining, negotiating and agreeing on in-house quality procedures, standards and specifications.• Assessing customer requirements and ensuring that these are met.• Setting customer service standards.• Specifying quality requirements of raw materials with suppliers.• Devise sampling procedures and directions for recording and reporting quality data• Prepare reports to communicate outcomes of quality activities• Assure ongoing compliance with quality and industry regulatory requirements Show less

• Credit Officer

  • Nov 2017 - Oct 2018

  • Review loan requests• Assess clients’ financial status• Evaluate creditworthiness and risks• Contact clients to gather financial data and documentation• Analyze risks and approve or reject loan requests• Calculate financial ratios (e.g. credit scores and interest rates)• Set up payment plans• Maintain updated records of loan applications• Follow up with clients about loan renewals• Monitor progress of existing loans



tokyo trading

• Melbourne, Australia

• Administrative Assistant

  • Mar 2012 - Sep 2013

  • Prepared Financial Statements • Prepared Payrolls and Employee Data Management • Managed General Ledger • Controlled Inventory and Preparing reports • Prepared monthly and weekly financial reports • Quarterly Book-keeping for organization • Prepared Financial Statements • Prepared Payrolls and Employee Data Management • Managed General Ledger • Controlled Inventory and Preparing reports • Prepared monthly and weekly financial reports • Quarterly Book-keeping for organization



Citi

• United States
• Financial Services
• 700 & Above Employee

• Credit Analyst

  • Aug 2008 - Feb 2012

  • Enter, update and retrieve information for credit applications • Determine credit worthiness of applicants • Designate degree of risk involved in extending credit by performing cash flow analysis of businesses • Ensure all approved applications comply with firm and lender criteria • Respond to enquiries from lenders • Review deals and field questions from Junior Credit Analysts • Assist with company and client audits • Enter, update and retrieve information for credit applications • Determine credit worthiness of applicants • Designate degree of risk involved in extending credit by performing cash flow analysis of businesses • Ensure all approved applications comply with firm and lender criteria • Respond to enquiries from lenders • Review deals and field questions from Junior Credit Analysts • Assist with company and client audits



Nescon

• Pakistan

• Computer Operator

  • Feb 2003 - Jun 2007

  • Data Management • Record keeping of Oil and Gas Clients • Preparing presentations for training and development • Resolving hardware and software issues in office • Data Management • Record keeping of Oil and Gas Clients • Preparing presentations for training and development • Resolving hardware and software issues in office