Experience

The Citco Group Limited

• Cayman Islands
• Financial Services
• 700 & Above Employee

• Operations Analyst

  • Nov 2019 - Present



Emirates NBD

• United Arab Emirates
• Banking
• 700 & Above Employee

• • Nov 2008 - Apr 2019

  *Handled a team of eight Credit Analysts who reviewed mortgage applications received by the Bank.*Performed underwriting of mortgage applications both in salaried and self-employed segments with a delegation to approve up to a loan amount of $1M CAD.*Reviewed customer applications and determined the potential of a customer to pay the loan based on Debt Burden Ratio.*Analyzed audited financial reports and examined customer account transactions. *Liaised with Direct Sales Force, Brokers and other sourcing channels on credit applications and approvals.*Reviewed all information on the type and condition of the property identified by the customer and validated the market value given by the Valuation Company.*Coordinated with Developers and Dubai Land Department for property registration and to ensure that all properties financed by the bank are mortgaged in their books.*Directly coordinated with the Mortgage Product Team for launching of new promotions and Group Retail Credit for any enhancement on policies.*Worked with Transformation and Business Strategy team in enhancing and creating new processes for the whole Retail Credit Operations on all products (i.e. Auto Loan, Personal Loan, and Cards).*Facilitated continuous training and productivity management of the team and conducted monthly performance discussions with staff members.*Created and maintained MIS files for easier tracking and prepared necessary reports related with the product. Show less

• • Nov 2008 - Jan 2013

  *Received daily home loan applications and did necessary pre-screening of KYC and income documents.*Performed all necessary credit checks through internal and external banking systems. *Called clients and companies on a daily basis as part of Customer/Employer Point Verification.*Reviewed financial statements, income documents, credit reports, and ensured accuracy and completeness of these documents as per the Central Bank guidelines.*Prepared formal credit approval sheet for escalation and decision to the Credit Underwriter.*Handled property valuation requests and coordinated with external valuation companies to schedule visits and obtain reports.*Prepared all necessary documentation issued to customers such as Pre-Approval and Final Offer Letters.*Handled customer related queries through calls and emails while adhering to required turnaround times. *Ensured that the process of registration of all mortgaged units were completed through coordination with different developers and the Dubai Land Department.*Acted as a referral point for escalations, credit reviews and inputs to the Product Team*Acted as the administrator for the whole department by updating records and the filing system, arranging for meetings, trainings, staff and unit's requirements and managing a calendar of events. Show less



Standard Chartered Bank

• United Kingdom
• Banking
• 700 & Above Employee

• • Jun 2006 - Aug 2008

  *Handled a team of five processing staffs who were responsible for all administrative duties of the Collections Department.*Performed daily processing and checking of back office operations done by the team.*Created new administrative processes and strategies that helped core collections.*Created and revised Standard Operating Procedures of the department.*Handled different programs of Collections Department such as Debt Relief endorsements and full and final settlement arrangements.*Trained newly hired staff through group workshops and assisted the Learning and Development team on conducting refresher courses for existing agents.*Prepared monthly Risk Reports and performed quality assurance and data gathering for Collections and Operational Risk Department. Show less

• • Mar 2005 - Jun 2006

  *Performed customer service duties and responsibilities by receiving incoming calls and assisting clients on their queries and complaints within the acceptable turnaround time.*Conducted outgoing calls and followed up with uncontactable and unresponsive accounts.*Completed collection efforts on X-30dpd delinquent accounts.*Performed administrative duties for adjusting credit card accounts based on the calls received.