Sector
Banking operations

Gender
Male

Date of Birth
26-08-1982

Visa Type
Visa with NOC

Visa Expiry Date
27-04-2022

Academic Level
BBA

Sponsor Visa Expiry Date
27-04-2022

Experience
15 Years

Languages
English, Urdu

Skills
Credit Analyst / Underwriter

Work Experience
WORK EXPERIENCE: May 2013 till to date – Tanfeeth (Emirates Islamic Bank) SENIOR UNDERWRITER - Currently handling Personal Loans with delegation authority of 750K for the Expats & 1M for the locals (With Deviation Expat delegation 500K & UAE National 750K) - Reviewing applications as per bank’s policy received for loans - Verifying the information provided by the applicant - Assessing the applicant’s financial situation and its ability to repay the loan - Recommending the amount of loan and period term based on applicant’s data compiled - Referring applicants for debt management counseling, if required, to secure the loans - Approving / disapproving the applications based on applicants’ credit history, data and bank loan policy - Handling deviation cases within my delegation - Preparing proposals of deviation cases for EIRC - Supporting team with policy related queries - Identifying fraud risks & highlighting it to RMFC team - Team handling with distribution & maintaining MIS - Maintaining monthly SLA as agreed with stakeholders - Handling SM, BM queries, complaints & providing solutions February 2006 till April 2013 – INJAZ (Affiliated with Mashreq Bank) CREDIT EVALUATOR (CIC) - Performing Credit worthiness of the customers by reviewing all relevant documents - Gathering Feedbacks from concerned departments (BV, CCRD & CPV) - Currently handling MP Loans, Credit cards & Staff Majestic Loan. Having Delegation authority for personal loan of 250K Expat & Local 1.5 million. For credit cards 100k

Description
Looking for a suitable position in a professional & challenging environment where I can use my expertise & capability and be an asset to the company as well as to grow professionally within the organization.