Strategic Credit & Risk Management professional with more than one years of extensive experience in Credit Screening & Processing, Credit Controls & Managing, Risk Assessment and Analyzing and another six years of experience in KYC & Customer Due Diligence, AML & Compliance, and Forex & Capital Market and in Islamic Finance.
Seeking a suitable position with a progressive employer where I can utilize my skills to achieve company’s strategic objectives and goals and simultaneous growth personally as well.
|Last Resume Update||December 26, 2018|
|Address||Sharjah, United Arab Emirates|
Reviewing the Credit proposals from the retail banking in order to confirm that all are adhering to ADIB and CBUAE credit policies and regulations.
Assist Senior Credit Analysts from the retail and corporate department by initial credit processing.
Generating various Credit reports, such as CBRB, Etihad Credit Bureau (ECB) report, OMNI, Bad Checks etc.
Understand customer risk level through detailed evaluation of customer back ground and total financial exposure
Fixing customer risk rate based on their DPD, Repayment history, etc. and update same with Central Bank
Redress the compliance from the various department related to customer’s liability and risk rate updates
Liaise with different authorities and departments like Central bank, Etihad Credit Bureau, Collection, Real estate, Home finance and CAD etc.
Analysis of customer’s creditworthiness and financial obligations before lending more finance with the help of Credit Ratings.
Timely finishing all cases with accurate and error free manner and submit to the concern department for the further approval and confirming that all the proposals are processing within prescribed Service Level agreement(SLA), If any variance, report to concern
Official and implement necessary controls.
Process customer transactions like Telex Transfer, Cheque transfer, Buying and selling of foreign currencies etc. with fast, excellence and accuracy and handover excess cash and currencies to main cashier
Monitor ongoing market currency rate and decide buying and selling rate -for each currency to attract new customer /retain existing customers ensuring maximum profitability for the company safeguarding customer service impact
Respect and comply with AML rules, policy and procedures of the company at all times
Collect all supporting documents for the transaction conducted
Preparing and reporting suspicious transactions on Compliance Department
Ensure all amendments or notices relating to Anti-Money laundering procedures and other important matters are clearly read and understood
Conduct and complete ‘KYC & Customer Due Diligence’ as required
Provide Excellent customer service
Islamic Finance Consultant
Promoting Shariah compliant products like equity, mutual funds, insurance products etc.
Giving awareness to public about importance of Shariah compliant products
Conducting seminars and programs related Islamic finance
Arrange meeting with different company heads and make tie up with them to promote Shariah products
Conduct Shariah screening of products and confirm that all are following applicable Shariah norms
Coordinate with Shariah team and update the status of Shariah compliance of product
Conduct market research and design the new Shariah based products
Participating in the meeting of interest free financial societies and consult the appropriate changes and updating
Design new Islamic finance courses and make lectures
Islamic Finance Professional Development Program
MBA in Finance
PG Diploma In Islamic Banking & Finance
Bachelor of Commerce