Azmat Ali Syed Email & Phone Number

Dubai, Dubai, United Arab Emirates

United Arab Emirates

Position : Senior Operation Officer Job Description: • Processing and completion of documentation of Retail Products including Personal loans, Home loans Auto Loans, Overdraft Rescheduling of loans in order to confirm its compliance with the bank’s credit policy.• Reporting lines on all exception cases where there is doubt on the overall customer credit ability and associated risk to the Bank.• Documentation discrepancy & follow up with sales… Show more Position : Senior Operation Officer Job Description: • Processing and completion of documentation of Retail Products including Personal loans, Home loans Auto Loans, Overdraft Rescheduling of loans in order to confirm its compliance with the bank’s credit policy.• Reporting lines on all exception cases where there is doubt on the overall customer credit ability and associated risk to the Bank.• Documentation discrepancy & follow up with sales and Branches. • Ensuring all Credit approval are praised and processed as per CBI policy and procedures.• Support to account service unit regarding opening of company account, salary accounts.• MIS reporting to the line manager and head of product for pending STL & clearance.• Analysing the root cause and process gap causing the customer complaint.• Handling day to day External and Internal customer related issues and complaints with professional and timely solutions by providing good support to Business and Customer service departments.• Handling loan maintenance, financial and non financial processes like credit reversals, loan rescheduling, loan settlements, due date change, loans conversion, Holds and release of funds on accounts.• Handling collection admin activities to facilitate the customer discounts and reversals. Show less

Dubai, United Arab Emirates

Corporate /SME Tasks:• Follow up on SME Accounts transferred to recovery.• Receiving the files from corporate & SME.• Contacting the customer with all means of communication.• Field visit to customer office & warehouse for recovering the outstanding.• Checking the central bank position of the customer & Black listing the customer in Central Bank.• Analyzing the present situation of the customer whether he can repay the loan.• Opening police case against the customer,… Show more Corporate /SME Tasks:• Follow up on SME Accounts transferred to recovery.• Receiving the files from corporate & SME.• Contacting the customer with all means of communication.• Field visit to customer office & warehouse for recovering the outstanding.• Checking the central bank position of the customer & Black listing the customer in Central Bank.• Analyzing the present situation of the customer whether he can repay the loan.• Opening police case against the customer, local sponsor & LBD drawers and contact them to clear the amount.• Identify deteriorating risks at an early stage and initiate / recommend recovery action to minimize credit losses.• Raising proposal to management for settlements for defaulter customers.• Proposed with financial details & customer information to Transfer the case to agency within the time frame.Retail Tasks :• Responsible to regularize Overdraft & mortgage loan Accounts.• Coordinate with mortgage team regarding legal issues and documentation.• Coordinate with real estate companies, individuals and developers.• Finalize the payment structure to the developers according approvals.• Study the situation of the customer on a case-by-case basis and apply the right approach / method of collection / recovery procedures that would increase recovery chances and cash collections.• Recommend deferment of installments, short payments, write-offs, new provisions and re- scheduling (depending on the case and as per delegated authorities) in the best interest of the Bank.• Report irregular / substandard portfolios to the management, along with strategies for workout / upgrades, as may be appropriate.• Perform any other duties or responsibilities consistent with the role as assigned by management.• Responsible to update the management on the progress daily or weekly as required. Show less

Master Of Business Administration - Mba, Marketing

Bachelor'S Degree, Accounting And Finance