Mohamed Ali, CCM

Experience

• 

  Citi

  Jun 2011 - Feb 2016

  Key Responsibilities : 1. Verifying the validity of identification documents and financial statements of the applicant as per bank policy.2. Analyzing financial statements and evaluating credit worthiness.3. Analyzed credit information in order to determine risk involved in lending.4. Conduct accurate Income-Liabilities analysis for salaried Applicants and Cash Flow-Liabilities analysis for self-employed applicants and ensure that Central Bank regulations are not breached (such Debt Burden ratio)5. Segregate applications (Salaried applicants, Target market applicants, Non-Target market applicant, Restricted segment, High profile clients, Self-employed applicants, Corporate applicant,...) prioritize given tasks.6. Obtain required verification and reports when it is required (such as Office verification, Al Etihad Bureau report, Central Bank Credit rating report, Em-credit report) to ensure that income, internal and external liabilities are captured accurately.7. Be vigilant to identify fraudulent or forged documents and incorrect information and ensures reporting is done to the concerned departments for further investigation.8. Ensure correspondence and maintain an effective communication with other department (such as Collection, Compliance, Sales and Relationship Managers, Smart Branches, Customer Service, Call Center, Fraud Management Unit, Marketing and Products and Credit Risk Department). 9. Ensure Key Performance Indicator KPI is always maintained and over achieved.10. Ensure quality evaluation on all applications with the agreed turn around times TAT.11. Minimal Errors and Faster approvals.12. Highlight deviations, request for approvals and make recommendations on workable cases canceled applications. 13. Recommend amendments to existing credit policy and underwriting process, commensurate with market best practices.14. Flexibility on time and assigned role as per Management requirement. Show less Provide Internal and External customers with accurate information regarding bank products.- Handle Telephonic enquiries and cross-selling of bank Retail Banking products.- Provide correct information to all customers regarding their accounts, credit cards, loans etc.- Answer customer queries and resolve simple complaints immediately.- Initiate outbound calls when required and adhere to call scripting.- Cross sell various retail banking products and generate leads- Capture complaints and forwarded them to Concern Teams- Customer-centric, focused and answer customer queries with confidence - Maximize returns and minimize risk and enhance relationships for the bank.- Produce high quality calls and continuous follow up that leads to complete customer satisfaction.- Communicate well and provide feedback for both internal and external customers for improvement of services or process.- Contributes to the overall success of the unit and generate ideas that can be implemented to enhance productivity. Show less

  • Retail Credit Analyst

    Mar 2014 - Feb 2016

  • Sr. Citiphone Officer

    Jun 2011 - Mar 2014
• 

  Abu Dhabi Commercial Bank

  May 2016 - now

  Retail Credit Analyst

  Analyzing and processing application of the below products: 1. Personal Loans 2. Car loans 3. Credits Cardsbased on overall consideration of customer's profile and in compliance with bank policy and proceduresMeeting the targeted productivity levels and to ensure adherence to service level agreement (SLA) and turnaround time (TAT).To ensure proper use of assigned delegation authority laid down by the bankTo identify and highlight any suspicious activities thereby reducing risk exposure and increasing quality of analysisTo ensure the updating of data reported in the daily productivity sheet (MIS)To ensure appropriate level of productivity output to enhance within given resources in times of peak load (month ends, promotions etc...)To Ensure detailed credit analysis (fresh, Repeat and After Sales) and to highlight approval conditions.To ensure all deals send for Contact Point Verification (CPV) as per CPV policyAdhered to Standard Operating Procedures (SOP) wherever applicableConduct training to new comers and monitor the training performance whenever required.Assist superior for any market trend that has an impact on credit decision to minimize risk involved.Identify anomalies in credit policy and highlight it to the unit/ policy manager Show less