Experience

Rak Bank ME
• Banking
• 100 - 200 Employee
• Credit analayst

  • Apr 2016 - Present


United Arab Bank

• United Arab Emirates
• Banking
• 400 - 500 Employee

• Senior Credit Analyst

  • Apr 2012 - Mar 2016

  Evaluation of SME Product a) Business Loans b) Trade Facilities Applications. •Analyse credit data and financial statements to determine the degree of risk involved in extending credit or lending money to organisations •In depth review of Audited financials- Ratio analysis, assessment of working capital requirement, Cash Conversion Cycle. Profits, ageing of receivables and Inventory. •Central Bank Check, Embounce Check, Repayment on other bank borrowings, Ensure cases are processed within compliance and fraud parameters. Compare liquidity, profitability and credit histories of establishment. •Bank Statement analysis- Annual turnover & net turnover. Return cheques, Repayment on other loans, Average monthly Turnover, Transfers etc •To review legal documents and confirms its validity and authenticity such as Memorandum of Association, Trade Licenses, Chamber of Commerce certificate, Share certificates, Article of Associations, Power of Attorney, KYC documents •Credit visit is done once case is satisfactory analyzed- During credit visit, stocks are verified, business transactions verified. Once visit satisfactory case is further recommended to Head of Credit for approval. •Complete loan applications, including credit analyses and summaries of loan request, and submit to loan committees for approval. Additional Monthly Activities: a)Preparation of Monthly SME Dashboard. b)Maintaining all kind of monthly MIS for SME (Monthly Log In, Skip & Delinquent Accounts) c)Reporting of write off and provisions in existing book, reporting of NPL’s (Classified accounts) d)Central Bank updates on – Modification/Addition of new and existing accounts, Downgrading/Upgrading accounts, Risk Rating (Upgrade/Downgrading) Training & Certification: a)Certification done for Advanced Financial Statement Training b)Certification done for Fraud Awareness Training Show less



Emirates NBD

• United Arab Emirates
• Banking
• 700 & Above Employee

• Credit Analyst

  • Sep 2011 - Apr 2012

  Evaluation of SME Product i.e. Business Loans, Merchant Loans, Loan against Gold & Personal Loans for Self-Employed •Bank statement analysis- Computation of Annual turnover and average monthly turnover. •Central Bank & Embounce Reports •Reviewing legal documents and confirms its validity and authenticity such as Memorandum of Association, Trade Licenses, Chamber of Commerce certificate, Share certificates, Article of Associations, Power of Attorney, KYC documents •Cases are evaluated within the policy norms for the requested product. •Review of Audited financials- working capital assessment, ageing report for receivables and inventory, ratio analysis, gross and net profits. •Visit request initiation upon satisfactory analysis •Telephone verifications done for: Home Country, Local References, Market Check etc •Quality cases are processed with the given TAT Show less



Mashreqbank

• United States
• Banking
• 1 - 100 Employee

• Credit Evaluator

  • Apr 2006 - Sep 2011

  Evaluation of 1) Business Loans 2) Personal Loans 3) Credit Cards 4) Revolving Overdraft (ROD) •Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money to either the organizations for SME products or individuals for retail products •Evaluate customer records and recommend payment plans based on the earnings, payment history and debt service ratio. Complete evaluation as per credit criteria •Cases are processed within the given TAT •Review individual or commercial customer files to identify and select delinquent accounts for collection. The same is then reported to collection team. •Cases are processed with minimum errors. As per defined quality standards. •Manually cases evaluated and loan setups done on the system •Delegated additional responsibilities- a)Distribution of cases within the team b)Preparation of MIS report & Deviations sheet Development c)System change as per new policy implementation – UAT Show less