Credit Screener

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
E-mail Locked
Phone Number Locked

Experience

Abu Dhabi Islamic Bank
Credit Screener
Oct 2017 - Current

 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.

Al Ansari Exchange LLC
Teller
Feb 2014 - Aug 2017

 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

Zirva Business Solutions LLC
Islamic Finance Consultant
Sep 2010 - May 2013

 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

Education

Australian Centre for Islamic Finance
Islamic Finance Professional Development Program
Apr 2018 - Jul 2018
Bharatiar University
MBA in Finance
Dec 2010 - Dec 2013
Islamic University (Accredited By MIHE London)
PG Diploma In Islamic Banking & Finance
Jun 2009 - Jul 2010
University of Calicut
Bachelor of Commerce
Apr 2006 - Apr 2009

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