Experience

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  Gulf Finance

  • United Kingdom
  • Retail
  • 1 - 100 Employee

  • Senior Credit Analyst, Assistant Manager, Collection and Legal

    • May 2016 - Present

    * Look after incoming calls from credit customers to answer questions and make payments arrangements.* Responsible for calling credit customers who were over 30 days (Bucket-1) past due to set up payment plans.* Attend court for filing VRO (Vehicle Resposition Order) and sale vehicles throw court for uncontactable customers.* Resposition the vehicles from customer, with the VRO later and attending police officer.* Taking vehicles which are mortgaged for the company from police or municipality impound yard.* Preparing the documents and visiting RTA to sell vehicles to the new buyer.* Often put on a special team that was responsible for recovering debt on seriously delinquent accounts.* Processing Re-Structure and full & final settlements for delinquent customers.* Rising criminal case and civil cases (preparing all required document and send it to the lawyer offices).* Attained perfect record of document filing without ever suffering a lost document.* Maintaining excel sheet for Police cases, VRO and Civil cases.

  • Senior Credit Analyst

    • Nov 2011 - May 2016

    * Conducting credit operations and risk management of the portfolio including identifying areas of risk; Assessing control environment.* Managing credit operations, appraising proposals, risk analysis & scrutinizing relevant documents before sanctioning loans.* Assess the credit risk of Small Business Loan and Commercial Finance proposals by Performing critical credit analysis of financial statements, spread sheets, bank statements, cash flow forecasts.* Conduct site visits to borrowers premises to determine the business scope of activity.* Generate a credit appraisal report based on a detailed business and financial analysis and recommend approving or decline loan proposals based on the findings of the credit assessment.* Ensure all loan proposals are in line with the parameters set by the company policy and procedures and are not in breach of any Central Bank regulations.* Stipulate financial restrictions and covenants on sanctioned loan proposals and monitor existing accounts to ensure that borrowers have complied with the stipulated financial covenants.* Monitor the CBRB status of existing customers on a monthly basis and report any adverse changes in classification to the Department Head.

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  Dubai Islamic Bank

  • Sharjah, United Arab Emirates

  • Credit Analyst/Personal Loans

    • Nov 2010 - Oct 2011
    • Sharjah, United Arab Emirates

    * Process personal loan credit proposals based on analysis of bank statements and verification of income to ensure the Debt Burden Ratio (DBR) is in line with the minimum required by the Central Bank and Credit Policy.

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  Noor Islamic Bank

  • Dubai, United Arab Emirates

  • Credit Analyst/Credit Cards

    • Nov 2007 - Oct 2010
    • Dubai, United Arab Emirates

    * Process new credit card limit proposals and recommend raisings, close or reduce limits of existing customers.

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  Standard Chartered Bank

  • Dubai

  • Call Center Agent/Credit Cards

    • Nov 2005 - Oct 2007
    • Dubai

    * Resolve customer inquiries received by phone or email and investigate customer disputes by identifying efficient means to resolve them to the satisfaction of the organization.

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  Arabian Adventure (Dubai) and SNTTA (Sharjah)

  • Dubai, United Arab Emirates

  • Safari Guide

    • Nov 1997 - Oct 2005
    • Dubai, United Arab Emirates

    * Organizing and leading desert safari excursions and plan and arrange for transportation and catering.