Experience

AMS Mortgage Services

• Banking
• 1 - 100 Employee

• Mortgage Loan Officer, NMLS# 2282789

  • Aug 2021 - Present

  Duties/Responsibilities: • Meets with and interviews potential and current clients on the phone and in person to understand their lending needs including first-time mortgages and refinance of existing loans. • Advising and guiding mortgage loan borrowers throughout the entire loan process. • Explains the differences between and approval requirements of various types of mortgages; prepares and presents a lending package based on client specifications. • Assists clients with completion of mortgage applications, inspecting completed documents for accuracy and thoroughness. • Reviews financial information, loan applications, gathers credit histories and reports, and assesses applicants’ capacity to repay and default risk. • Originate and evaluate mortgage loans according to company guidelines and standards. • Based on predetermined requirements, assesses, and grants or rejects mortgage applications. • Submit and monitor the status of applications. • Maintain good relationships with clients by keeping them informed. • Interact with realtors, appraisers, and sales agents as needed. • Views or visits property for real estate purchase or refinance. • Maintains knowledge of trends and developments in the local real estate market; current and predicted lending rates; and changes in rules, regulations, and best practices of various mortgages. • Develops and maintains contacts with local realtors, developers, and builders to promote and encourage the use of bank services for residential mortgages. • Performs other duties as assigned. Education and Qualifications: • Federal State licensure MORTGAGE LOAN ORIGINATOR (NMLS#2282789) for 6 States NJ/ NY/ PA/ TX/ CA/ FL. • State licensure REAL ESTATE SALESPERSON (License Reference#2295026) – NEW JERSEY. • Thorough understanding of Federal Housing Authority (FHA), Veterans Affairs (VA), Federal National Mortgage (Fannie Mae), and other types of construction and conventional loans. Show less



Qatar Islamic Bank (QIB)

• Qatar
• Banking
• 700 & Above Employee

• Senior Credit Risk Specialist – Digital Banking Transformation (QIB+) - Risk Group

  • May 2019 - Jun 2021

  Digital Banking Transformation Project (QIB+) in collaboration with BCG (Boston Consulting Group) - Risk GroupPOSITION OBJECTIVE:· Communicate with multiple Scrum teams to create and build success criteria and approach to stakeholders.· Drove risk policy implementation into Mobile Banking App in best Agile Methodology practices.· Actively contributed to the continuous improvement of One Click Finance (OCF) project sprints and to the successful organizational transition to Agile method.· Analyzed end to end requirements and guided the product owner and scrum teams to meet the risk policy and Central Bank regulations accordingly.· Suggested technical platforms that can be used to enhance the project and implemented the same.· Responsible for setting up and validating risk model (R-Model) specifications criteria to meet the BAU work-flow procedures with IT and business collaboration.· Responsible for analyzing the R-Model data extract when lunching personal finance campaigns.· Responsible for validating the Credit Bureau report implementation when requested through the Mobile Banking App.· Conducted user acceptance testing (UAT) to make sure that all the user requirements are catered by the application.· Analyzed business logic, user requirements, and test-objectives to develop test plans and test cases.· Provided the necessary training to Alternative Channels (Call Centre/Mobile Banking support) agents on validating the uploaded official documents/certificates through Mobile Banking Application for customer’s On-boarding Journey and Digital Finance campaign qualifications.· Delivered any required analytical tasks in timely matter meeting deadlines.· Worked with stakeholders on process improvement projects which is designed to improve results.· Established constant communication with the product owner, scrum master and team members in daily scrum meetings. Show less

• Senior Executive - Operational Risk Management - Risk Group

  • May 2017 - May 2019

  POSITION OBJECTIVE:Implement The Risk & Control Self-Assessment (RCSA), Key Risk Indicators (KRIs), Issues and Management Action (IMAP) And Loss Data Management (LDM) Programs Throughout the Bank’s Entities- From Development of New RCSA to Testing and Monitoring of The RCSA, KRIs & LDM Results. Liaison with QIB Business/Support Entities and Conducts Timely Reporting to Facilitate the Effective Operational Risk Management in Compliance with Defined Standards. The role will be responsible to:• Conduct RCSA workshops for consistent identification and assessment of and operational risk.• Conduct timely review of processes, products, and other initiatives.• Assess design of controls and oversee control self-assessment testing to ensure the controls are effective.• Collect and analyze reported operational risk events in a timely and comprehensive manner, and prepare reports.• Ensure that all collected operational risk events (actual, potential, near miss) have sufficient documents/evidences.• Support Op-Risk coordinators (ORCs) and unit managers in loss data collection and risk assessments.• Develop a 360-degree risk entity view (single point of reference) of all pertinent issues and action plans raised by QCB,compliance, internal/external Audit, ORM, financial control, customer complaints, BCM and InfoSec.• Analyze key findings from risk assessments, monitoring and event loss collection and report to respective management anddepartment heads.• Intensify the RCSA data quality (i.e. risk attributes, control types, control testing mechanisms sampling techniques, otheraggregation techniques) in line with Op-Risk best practices & Basel II/IFSB requirements.• Training and awareness for bank entities on the RCSA & KRIs methodologies.• Supporting business in identifying issues, conducting root cause and developing short term and long term solutions to improvethe control environment.• Assist in preparing the regular operational risk report. Show less

• Senior Credit Risk Analyst (Retail/SMEs) - Risk Group

  • Mar 2012 - May 2017

  • Evaluate & Analysis the applications to ensure compliance with credit policy and documentation criteria based on customer’s segmentation. • Reviewing All Documents & Applications Handled by pre-screeners for authenticity• Prepare and check the Credit Bureau Report for customer credit history. • Verify the customer criteria against the bank’s policy.• Take correct decisions over applications after necessary verification whether to reject applications not meeting criteria or cancel cases using the relevant rejection/cancellation codes.• Checking if the customers ACP (aggregate credit position).• Reviewing The Calculation for the monthly Installment, Total DBR & Customer’s Total Exposure.• Approves applications meeting criteria within the limit &Authorize the limit Creation to the Applicant through the System.• MIS Report for the daily TIA'S & Calculation for the approval rate handled on daily basis. Show less



Balubaid Group

• Saudi Arabia
• Executive Offices
• 200 - 300 Employee

• Credit Risk Supervisor - Credit Initiation & Collections Support

  • Jun 2010 - Jan 2012

  • Evaluating all the applications to ensure compliance with credit policy and documentation criteria based on customer’s segmentation. • Processing all the applications in queue on the same day &Meeting the service levels based on turnaround time. • Reviewing external verification comments on system memos as well as customers SEMA credit report and keep record in file. • Compute applicant’s DBR (Debt Burden Ratio) and prepare a calculation sheet. • Proposing deviation approvals based on strong profile of the applicant, despite not meeting certain individual requirements. • Completing other special tasks requested by the higher level. • Approved applications meeting criteria within the limit &authorize the limit Creation to the Applicant through the System. • Manage and maintain credit & collections MIS. Show less



Citi

• United States
• Financial Services
• 700 & Above Employee

• Collections Strategy Supervisor - Credit Risk

  • May 2009 - Jun 2010

  Collections dep. [collection strategy]POSITION OBJECTIVE:• Monitor & Control Delinquency and credit losses for all products (Cards, PIL and Auto).• Manage and maintain collection strategies on collections systems CACS & Triad.• Implement and manage risk mitigation tools such as extensions, Rewrites and settlements programs in order to manage delinquent inventory and enhance productivity.• Responsible for implementation of new technologies in Collections (e.g. Auto dialer, Auto reaging for cards....).• Develop and maintain a good process and control environment and ensure proper documentation for all strategy related activities. • Manage and maintain collection MIS Show less

• Senior Credit Analyst - Credit Initiation

  • Apr 2008 - May 2009

  • Receive cases from DSF and Branches.• Analysis & Reviews customer documents are right, valid, signed, and up to date• Verify the customer criteria against the bank’s policy.• Prepare and check the I-Score Report for customer credit history. • Conducts internal verification with HR and customer. • Calculating customer’s credit limit depending on his basic monthly income, profile, & DBR.• Checking if the customers ACP (aggregate credit position).• Verify the customer name against negative list, CBE list.• Route cases to home and external verification based on banks’ policy and review the reports after verification.• Take correct decisions over applications after necessary verification whether to reject applications not meeting criteria or cancel cases using the relevant rejection/cancellation codes.• Reporting approved, rejected and pending cases to consumer lending head.• Approved applications meeting criteria within the limit. Show less

• Fraud Risk Analyst - Fraud Risk Management Unit (FRMU)

  • Apr 2007 - Apr 2008

  • Check cases referred from AFU to confirm details submitted by customer to be able to identify fraudulent cases / Referred Complaints.• Conduct field investigations.• Telesales Seeding Exercise to check the information & integrity of the telesales agents.• Check the integrity of the DSE regarding all products Auto / Cards / PIL through sample check.• Negative List Checking’s.• Report fraudulent cases on local and international bulletins.• Log fraudulent applications on database. Show less



Egy Freight for freight forwarding & customs clearance

• Cairo - Egypt

• Operations Coordinator “Ocean Freight”

  • Nov 2006 - Mar 2007

  • Handle the shipping processing & follow up the service quality. • Reviews cargo documents and reserve a suitable container via the shipping line. • Checkup all criteria for the vessel safety regarding to allowed goods depend on the certificate of classification. • Handle the internal transportation till the port of lading &Track the vessel till arrives to destination port. • Prepare all cargo documents "invoice, backing list, certificate of origin and bill of lading". • Handle the shipping processing & follow up the service quality. • Reviews cargo documents and reserve a suitable container via the shipping line. • Checkup all criteria for the vessel safety regarding to allowed goods depend on the certificate of classification. • Handle the internal transportation till the port of lading &Track the vessel till arrives to destination port. • Prepare all cargo documents "invoice, backing list, certificate of origin and bill of lading".